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First Citizens BancShares (FCNCA) investor relations material
First Citizens BancShares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved strong third-quarter results with adjusted EPS of $44.62, adjusted ROE of 10.62%, and adjusted ROA of 1.01%, despite net income for Q3 2025 being $568M, down 1% sequentially and 11% year-over-year.
Loan and deposit growth was robust across all segments, led by SVB Commercial and Global Fund Banking, with loans at $144.76B and deposits at $163.19B at quarter-end.
Maintained strong capital and liquidity, supporting $900M in share repurchases in Q3 and the launch of a new $4B repurchase program.
Announced agreement to acquire 138 BMO Bank branches, adding $5.7B in deposits and $1.1B in loans, with closing expected mid-2026.
Key drivers of lower earnings included higher provision for credit losses, lower NII, and increased noninterest expense.
Financial highlights
Adjusted net income was $587M, with adjusted EPS of $44.62; net income for Q3 was $568M, and net income per share was $43.08.
Net interest income for Q3 was $1.73B, up $39M sequentially but down 3% year-over-year; NIM stable at 3.26%.
Noninterest income for Q3 was $699M, up 3% sequentially and 8% year-over-year.
Noninterest expense for Q3 was $1.49B, down 1% sequentially but up 2% year-over-year.
Net charge-offs were $234M (65 bps), including an $82M charge-off from a single client bankruptcy.
Outlook and guidance
Q4 loans expected in the $143B–$146B range, with deposit growth focused in General Bank and some decline in SVB Commercial.
Net interest income for Q4 projected at $1.65B–$1.75B; full-year guidance $6.74B–$6.84B.
Net charge-offs for Q4 guided to 35–45 bps; full-year range raised to 43–47 bps.
Adjusted noninterest income for Q4 expected at $480M–$510M; full-year range $1.99B–$2.02B.
BMO branch acquisition expected to close mid-2026, subject to regulatory approvals.
BMO acquisition's expected capital impact?
Future credit quality trends post $82M charge-off?
Strategy for continued non-interest deposit growth?
NII trough timing and PMN repayment plan?
SVB Commercial growth drivers for 2026?
Future M&A strategy beyond BMO branches?
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Next First Citizens BancShares earnings date
Q4 202523 Jan, 2026
Next First Citizens BancShares earnings date
Q4 202523 Jan, 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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