First Citizens BancShares, Inc. (FCNCA) Q2 2026 Earnings Call Transcript

First Citizens BancShares, Inc. (FCNCA) Q2 2026 Earnings Call July 23, 2026 9:00 AM EDT

Good morning, and welcome to First Citizens Second Quarter 2026 Earnings Call. Joining me on the call are Chairman and Chief Executive Officer, Frank Holding; and Chief Financial Officer, Craig Nix. They will provide second quarter business and financial updates referencing our earnings call presentation, which you can find on our Investor Relations website. Before we begin, please note that 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 these measures against the most directly comparable GAAP measures can be found in Section 5 of the presentation.