First Citizens BancShares Inc demonstrated ongoing loan portfolio growth and deposit base expansion in the second quarter of 2026, reflecting solid demand and effective asset-liability management. Concentrations remain significant in commercial real estate, capital call lines to non-depository financial institutions, and sectors like healthcare and technology, but underwriting focused on borrower cash flow and structural protections support credit quality. The bank’s funding mix has shifted favorably toward deposits, reducing reliance on borrowings and enhancing liquidity buffers. Regulatory compliance costs and interest rate environment remain watchpoints for sustaining margins and capital adequacy.