First Citizens 三季度净利6.06亿美元：完成138家BMO分行收购，董事会批准12亿美元新回购计划
总部位于北卡罗来纳州 Raleigh 的 First Citizens BancShares（Nasdaq: FCNCA）10月23日公布2026年第三季度业绩：当季净利6.06亿美元，低于第二季度的6.72亿美元；归属普通股股东净利5.77亿美元、每股51.23美元，第二季度为6.40亿美元、每股55.52美元。经调整净利为6.52亿美元，调整后归属普通股股东净利6.23亿美元、每股55.37美元。
董事长兼首席执行官 Frank B. Holding, Jr. 表示，三季度表现超出公司预期，动力来自强劲而高质量的收入增长、贷款与存款加速增长、高度稳健的信贷质量与费用纪律；公司当季以股票回购向股东返还6亿美元，并再偿还80亿美元购股票据（Purchase Money Note）。董事会同日批准一项新的回购计划，授权在2027年底前回购最多12亿美元 A 类普通股。
资产负债表方面，截至2026年9月30日，贷款与租赁余额1,571.9亿美元，较6月30日增长61.6亿美元、增幅4.1%；存款余额1,852.6亿美元，增长118.4亿美元、增幅6.8%；投资证券448.8亿美元。借款余额降至244.7亿美元，主因偿还购股票据80亿美元；该票据余额已从上年同期的358.5亿美元降至204.5亿美元。
并购方面，其全资子公司 First-Citizens Bank & Trust Company 已于2026年9月4日完成收购 BMO Bank N.A. 位于美国中西部、大平原与西部地区的138家分行，承接约49亿美元存款、取得约6.5亿美元贷款；当季一般银行部门存款增长56.6亿美元，主要来自该收购承接的约48.6亿美元存款，收购相关费用也使当季非利息支出有所上升。
盈利与信贷方面，当季净利息收入17.0亿美元，环比增加4,300万美元，净息差3.07%；非利息收入7.34亿美元。信贷损失拨备5,500万美元，净核销1.03亿美元；不良贷款13.7亿美元，占贷款0.87%，低于二季度末的0.96%。当季公司以6亿美元回购278,828股 A 类普通股，并派发每股2.10美元股息；2025年回购计划下尚余7.11亿美元额度，新批准的12亿美元额度将另行使用。First Citizens 为美国前二十大金融机构之一，资产逾2,250亿美元，为《财富》500强成员。
First Citizens Reports $606 Million in Third-Quarter Net Income, Announces $1.2 Billion Share Repurchase Plan
First Citizens BancShares, Inc. (Nasdaq: FCNCA), headquartered in Raleigh, North Carolina, reported third-quarter 2026 earnings on October 23. Net income was $606 million, compared with $672 million in the second quarter. Net income available to common stockholders was $577 million, or $51.23 per common share, down from $640 million, or $55.52 per share, in the linked quarter. Adjusted net income was $652 million, and adjusted net income available to common stockholders was $623 million, or $55.37 per share.
Chairman and CEO Frank B. Holding, Jr. said third-quarter performance exceeded the company's expectations, fueled by strong, high-quality top-line growth, accelerated loan and deposit growth, highly resilient credit quality, and expense discipline. The company returned $600 million to stockholders through share repurchases and repaid another $8.0 billion of the Purchase Money Note. The board also approved a new share repurchase plan authorizing repurchases of up to $1.2 billion of Class A common shares through 2027.
Loans and leases were $157.19 billion at September 30, 2026, up $6.16 billion, or 4.1%, from June 30. Deposits were $185.26 billion, up $11.84 billion, or 6.8%. Total investment securities were $44.88 billion. Borrowings fell to $24.47 billion, mainly on the $8.00 billion of payments on the Purchase Money Note, whose balance declined from $35.85 billion a year earlier to $20.45 billion.
On September 4, 2026, First-Citizens Bank & Trust Company completed its acquisition of 138 branches from BMO Bank N.A. across the Midwest, Great Plains and West, assuming approximately $4.9 billion in deposits and acquiring approximately $650 million in loans. General Bank segment deposits rose $5.66 billion in the quarter, largely on the roughly $4.86 billion assumed in the acquisition.
Net interest income was $1.70 billion, up $43 million from the linked quarter, with a net interest margin of 3.07%. Noninterest income was $734 million. The provision for credit losses was $55 million, net charge-offs were $103 million, and nonaccrual loans were $1.37 billion, or 0.87% of loans, down from 0.96% at June 30. The company repurchased 278,828 Class A shares for $600 million in the quarter and paid a dividend of $2.10 per share. First Citizens is a top 20 U.S. financial institution with more than $225 billion in assets and a member of the Fortune 500.
来源：GSM·美国（原文链接）
图片来源：First Citizens 总部所在地 Raleigh 市中心天际线（资料图）。Abhiram Juvvadi 摄，CC BY-SA 4.0，经 Wikimedia Commons 取用 / The downtown Raleigh skyline, where First Citizens is headquartered (file photo). Photo by Abhiram Juvvadi, CC BY-SA 4.0, via Wikimedia Commons
