Risk factors

First Citizens Bancshares (FCNCA) risk factors

Item 1A of every First Citizens Bancshares Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    45 risks11 new14 dropped25 reworded

    First Citizens BancShares expanded its risk disclosures around digital assets, regulatory standards for $100B+ banks, and political trade policy volatility.

    Filed Feb 24, 2026
  • FY2024 10-K risk factors
    48 risks

    First Citizens Bancshares faces dominant risks from credit portfolio concentrations, interest rate sensitivity, regulatory compliance, and liquidity pressures.

    Filed Feb 21, 2025