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First Citizens BancShares
First Citizens BancShares (FCNCA) investor relations material
First Citizens BancShares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Adjusted EPS for Q4 2025 was $51.27, with adjusted ROE of 11.93% and adjusted ROA of 1.1%, exceeding expectations despite lower rates and competitive pressures.
Strategic priorities for 2026 include deepening client relationships, talent development, balance sheet optimization, and franchise investment.
Organizational simplification and digital investments in 2025 improved customer support and operational efficiency.
Leadership transition announced: Chief Risk Officer Lorie Rupp to retire in June 2026, succeeded by Tom Eklund.
Announced acquisition of 138 BMO Bank branches, expecting to assume $5.7 billion in deposits and $1.1 billion in loans, closing in H2 2026.
Financial highlights
Adjusted net income for Q4 was $648 million, up $6.65 per share sequentially, driven by lower provision for credit losses and improved macro outlook.
Tangible book value per share grew 11% year-over-year and 3% sequentially.
Net interest income was $1.72 billion, down $12 million sequentially; net interest margin at 3.20%, down six basis points.
Adjusted non-interest income rose 2% sequentially, led by rental and wealth management income; noninterest expense increased 7.1% due to higher personnel and technology costs.
Loans and leases grew to $147.93 billion, up 2.2% from Q3 2025; deposits declined 1.0% to $161.58 billion.
Outlook and guidance
Q1 2026 loans expected in $148B-$151B range; full-year loans projected at $153B-$157B.
Q1 2026 deposits expected at $164B-$167B; full-year deposits projected at $181B-$186B, including BMO acquisition impact.
Headline net interest income for Q1 2026 guided at $1.6B-$1.7B; full-year at $6.5B-$6.9B.
Adjusted non-interest income for Q1 2026 guided at $500M-$530M; full-year at $2.1B-$2.2B.
Adjusted non-interest expense for Q1 2026 guided at $1.34B-$1.38B; full-year at $5.37B-$5.46B.
BMO deal impact on funding strategy
Rationale for $2.5B Purchase Money Note prepayment?
How to mitigate NIM compression from lower rates?
PMN repayment pace drivers and cash targets
Tech investment peak and efficiency gains
SVB client fund growth drivers and outlook
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Next First Citizens BancShares earnings date
Q1 202623 Apr, 2026
First Citizens BancShares
Next First Citizens BancShares earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
First Citizens BancShares Inc is a financial holding company that provides commercial and retail banking services through its subsidiary bank. The company offers deposit accounts, lending products, treasury services, and wealth management solutions. It operates a branch network across multiple U.S. states, serving individuals, businesses, and institutions. The company is headquartered in Raleigh, North Carolina, and its shares are listed on the NASDAQ.
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