First Citizens Bancshares, Inc. · NASDAQ:FCNCA

First Citizens Bancshares — Merger or Acquisition (October 2025)

5 slides from First Citizens Bancshares's merger presentation, Oct 16, 2025

1. Slide 1: First Citizens Bank continues national expansion, agrees to acquire select branches from BMO Bank N.A.

   1 First Citizens BancShares, Inc. First Citizens Bank continues national expansion, agrees to acquire select branches from BMO Bank N.A. October 16, 2025

2. Slide 2: Forward-Looking Statements

   2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans and future performance of First Citizens BancShares, Inc. (“BancSha

3. Slide 3: Transaction Highlights

   3 Transaction Highlights Expands presence in desirable Midwest, Great Plains and West regions while enhancing liquidity. Strategically Compelling ▪ Successfully completed and integrated 19 bank acquisitions since 2015. ▪ Expected to provide additional optionality to optimize the balance sheet. ▪ Pro

4. Slide 4: Continued Expansion into New and Existing Markets

   4 Continued Expansion into New and Existing Markets Acquisition includes 138 branches across 11 states in attractive markets with deep ties to the communities. Note: Branch map sourced from S&P and as of October 1, 2025. Transaction will expand our nationwide franchise adding scale and new locations

5. Slide 5: Acquired Loan and Deposit Summary

   5 Acquired Loan and Deposit Summary Stable deposit base with an attractive funding cost and a solid loan portfolio boasting strong credit quality. Note: Data as of August 31, 2025. (1) Representative of the weighted average rate of the total portfolio. Commercial and industrial 51% Owner occupied co

First Citizens Bancshares — Merger or Acquisition (October 2025) on 6ix