First Citizens BancShares, Inc. (FCNCA) Q4 2025 Earnings Call January 23, 2026 9:00 AM EST
Company Participants
Deanna Hart – Senior Vice President of Investor Relations
Frank Holding – Chairman & CEO
Craig Nix – Chief Financial Officer
Gregory Smith – Chief Information & Operations Officer
John Wilson
Elliot Howard
Marc Cadieux
Tom Eklund – Senior Vice President & Treasurer
Conference Call Participants
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Anthony Elian – JPMorgan Chase & Co, Research Division
Casey Haire – Autonomous Research Limited
Presentation
Operator
Ladies and gentlemen, thank you for standing by, and welcome to the First Citizens BancShares’ Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions] As a reminder, today’s conference is being recorded.
I would now like to introduce the host of this conference call, Ms. Deanna Hart, Head of Investor Relations. You may begin.
Deanna Hart
Senior Vice President of Investor Relations
Good morning. Welcome to First Citizens’ Fourth Quarter 2025 Earnings Call. Joining me on the call today are our Chairman and Chief Executive Officer, Frank Holding; and Chief Financial Officer, Craig Nix. They will provide fourth quarter business and financial updates referencing our earnings call presentation, which you can find on our website. Our comments will include forward-looking statements, which are subject to risks and uncertainties that may cause actual results to differ materially from expectations. We assume no obligation to update such statements. These risks are outlined on Page 3 of the presentation.
We will also reference non-GAAP financial measures. Reconciliations of the these measures against the most directly comparable GAAP measures can be found in Section 5 of the presentation. Finally, First Citizens is not responsible for and does not edit nor guarantee the accuracy of earnings transcripts provided by third parties.
I will now turn it over to Frank.
Frank Holding
Chairman & CEO
