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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Citizens BancShares
First Citizens BancShares (FCNCA) investor relations material
First Citizens BancShares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Adjusted net income was $652M and adjusted diluted EPS was $55.37; adjusted ROE was 12.24% and adjusted ROA was 1.08%.
Period-end loans rose 4.1% and deposits 6.8% QoQ, supported by organic growth and the BMO branch acquisition; credit quality remained resilient.
Financial highlights
Reported net income was $606M and diluted EPS was $51.23; adjusted net income was $652M, down 5.6% QoQ and up 11.0% YoY.
Net interest income was $1.699B, up $43M QoQ; adjusted noninterest income was $575M, down $11M QoQ, primarily reflecting a $37M change in warrant income.
Adjusted noninterest expense was $1.355B, up 0.6% QoQ; adjusted net revenue grew 1.4% sequentially, producing positive adjusted operating leverage.
Outlook and guidance
FY26 NII guidance rose to $6.68B–$6.75B; Q4 NII is forecast at $1.70B–$1.77B, assuming zero to one 25-bp rate hike in Q4.
FY26 adjusted noninterest income is forecast at $2.22B–$2.26B and adjusted expense at $5.39B–$5.43B; Q4 loans are projected at $158B–$161B and deposits at $189B–$192B.
PMN prepayments are forecast at $3.5B–$4.0B quarterly, with full repayment planned by year-end 2027; Q4 net charge-offs are forecast at 30–35 bps.
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Latest events from First Citizens BancShares
- Strong Q2 growth, robust capital, and BMO branch acquisition drive future momentum.FCNCA
Q2 2026 - Board and management proposals passed; faith-based employee group proposal rejected.FCNCAAGM 2026
- Strong loan and deposit growth, robust capital, and disciplined returns despite margin pressure.FCNCAQ1 2026
- Board recommends all director nominees, say-on-pay, auditor ratification, and opposes faith-based ERG report.FCNCAProxy filing
- Strong Q4 results, rising earnings, loan growth, and major branch acquisition plans.FCNCAQ4 2025
- Strong Q3 with loan and deposit growth, solid capital, and BMO branch acquisition announced.FCNCAQ3 2025
- Q2 2025 saw strong earnings, stable margins, and a new $4B share repurchase plan.FCNCAQ2 2025
- Q2 2024 delivered strong growth, stable credit, and a $3.5B share repurchase plan approved.FCNCAQ2 2024
- Q4 2024 saw strong loan growth, $700M net income, and active share repurchases.FCNCAQ4 2024
Next First Citizens BancShares earnings date
Q4 202622 Jan, 2027
First Citizens BancShares
Next First Citizens BancShares earnings date
Q4 202622 Jan, 2027
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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.