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First Citizens Bancshares (FCNCA) guidance and outlook

First Citizens Bancshares' 10-Q filed Nov 6, 2026 makes 25 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 6, 2026

• This MD&A is expected to provide our investors with a view of our financial condition and results of operations from our management’s perspective.
• We will continue to monitor the interest rate environment, FCB’s collateral position for the Purchase Money Note, and FCB’s liquidity position to determine the timing and magnitude of further voluntary prepayments.
• We expect prepayments in the range of $3.5 billion to $4.0 billion per quarter, and are planning to fully repay the Purchase Money Note by December 31, 2027.
• We will continue to monitor further developments regarding the proposals and assess potential impacts to our regulatory capital requirements, including enhanced capital flexibility.
• We will continue to monitor the rate environments for brokered and Direct Bank deposits to determine the target growth for these deposit channels.
• ◦ The $24 million ALLL release in the prior YTD primarily reflected improvements in the economic outlook, elimination of reserves related to Hurricane Helene, improvements in credit quality, and a modest shift in our weighting from the downside to baseline economic scenario, partially offset by higher reserves for individually evaluated loans and the impact of loan growth.
• ◦ Changes in the fair value of our equity warrants will continue to largely depend on market conditions affecting the underlying entities, primarily private venture-backed companies in the technology, life sciences, or healthcare industries.
• • The decrease of $8 million in professional fees was primarily due to completion of several risk management and technology projects.
• • The decrease of $13 million in professional fees was mostly due to the completion of certain projects, including risk management and technology projects.
• In March 2026, FCB management committed to a plan to sell SBA commercial loans, which were then transferred from held for investment to held for sale.
• Key indicators will continue to be monitored, and impacts assessed as part of our ongoing Risk Management Framework.
• We strive to identify potential problem loans as early as possible, to record charge-offs as appropriate and to maintain an appropriate ALLL that accounts for expected losses over the life of the loan and lease portfolios.

First Citizens Bancshares' latest quarter

Questions

What does First Citizens Bancshares expect?

This MD&A is expected to provide our investors with a view of our financial condition and results of operations from our management’s perspective. We will continue to monitor the interest rate environment, FCB’s collateral position for the Purchase Money Note, and FCB’s liquidity position to determine the timing and magnitude of further voluntary prepayments. We expect prepayments in the range of $3.5 billion to $4.0 billion per quarter, and are planning to fully repay the Purchase Money Note by December 31, 2027.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.