First Citizens BancShares Results Presentation Deck

3Q23 Financial Highlights EPS ROE ROTCE ROA PPNR ROA NIM Net charge-off ratio Efficiency ratio First Citizens BancShares Sep 23 Reported 50.67 15.20 % 15.76 1.41 2.23 4.07 0.53 54.34 Adjuste (Non-GAAP) 55.92 16.77 % 17.39 1.55 2.48 4.07 0.53 46.04 Quarter-to-date Jun 23 Reported 45.87 14.35 % 14.91 1.31 2.00 4.10 0.47 60.06 Adjusted (Non-GAAP) 52.60 16.46 % 17.10 1.49 2.34 4.10 0.47 49.65 Reported Sep 22 19.25 12.49 % 13.17 1.16 1.72 3.42 0.10 61.91 Adjusted (Non-GAAP) 20.77 13.47 % 14.20 1.24 1.86 3.42 0.10 53.32 Note - Adjusted ratios exclude notable items. Refer to the Non-GAAP Section V of this presentation for notable item details and a reconciliation of the Non-GAAP to GAAP measures. 12

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