FCNCAFirst Citizens BancShares, Inc.
The financials
First Citizens BancShares, Inc. by the numbers
First Citizens BancShares, Inc. (FCNCA) reported revenue of $2.96B in Q3 2026 (quarter ended Sep 30, 2026), down 1.1% from the same quarter a year earlier. That came with net income of $606M (20% of revenue). For the full year FY2025, revenue was $11.8B (−4.7% year on year) and net income $2.21B. Its largest product in Q3 2026 was Lending-Related Fees at $83M, 20% of the disclosed total, just ahead of Deposit Fees and Service Charges at 19%. The next results filing is expected around Jan 22, 2027, the same week as a year ago.
| Income statement | Q3 2026 | Q3 2025 | Change |
|---|---|---|---|
| Revenue | $2.96B | $3.00B | −1.1% |
| Net income | $606M | $568M | +6.7% |
| Diluted EPS | $51.23 | $43.08 | +19% |
| Product | Revenue | Share |
|---|---|---|
| Lending-Related Fees | $83M | 20% |
| Deposit Fees and Service Charges | $76M | 19% |
| Client Investment Service | $68M | 17% |
| Asset Management | $62M | 15% |
| Credit and Debit Card | $40M | 9.8% |
| International Fees | $34M | 8.4% |
| Factoring Commissions | $20M | 4.9% |
| Insurance Commissions | $12M | 2.9% |
| Merchant Services | $12M | 2.9% |
Over its last three fiscal years First Citizens BancShares, Inc. booked income tax of 11.8% of its pretax profit, below the 21.3% median for US companies in our tax study.
Business segments
Revenue split by product segment, from SEC XBRL filings.
- Lending-Related Fees$83.0M$83.0Mvs last quarter +14%vs a year ago +24%+14%+24%
- Deposit Fees and Service Charges$76.0M$76.0Mvs last quarter +2.7%vs a year ago +25%+2.7%+25%
- Client Investment Service$68.0M$68.0Mvs last quarter +15%vs a year ago +17%+15%+17%
- Asset Management$62.0M$62.0Mvs last quarter 0.00%vs a year ago +8.8%0.00%+8.8%
- Credit and Debit Card$40.0M$40.0Mvs last quarter +5.3%vs a year ago +2.6%+5.3%+2.6%
- International Fees$34.0M$34.0Mvs last quarter -5.6%vs a year ago 0.00%-5.6%0.00%
- Factoring Commissions$20.0M$20.0Mvs last quarter +11%vs a year ago +11%+11%+11%
- Insurance Commissions$12.0M$12.0Mvs last quarter -7.7%vs a year ago -7.7%-7.7%-7.7%
- Merchant Services$12.0M$12.0Mvs last quarter -7.7%vs a year ago 0.00%-7.7%0.00%
Banks, Regional
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