Original filing text · Part II

Item 1A — Risk Factors

First Citizens Bancshares Inc /de/ · 10-Q · Q2 FY2026 · Period ended Jun 30, 2026

This is the extracted source text from the SEC filing. Formatting may differ from the original document.

There have been no material changes in the risk factors during 2026 from those reported in our 2025 Form 10-K. For a discussion of the risks and uncertainties that management believes are material to an investment in us, refer to Part I, Item 1A. Risk Factors, of our 2025 Form 10-K, and Forward-Looking Statements of this Form 10-Q.