<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019fec93-8ef9-7de9-8932-e00a5e6a3578,g:165d93f0-f28b-4940-a7b2-bcc08885daa4-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.firstcitizens.com/role/Cover" xlink:type="simple" xlink:href="fcnca-20260930.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_019fec93-9774-779a-979c-dce3cdd59161" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_019fec93-9774-7b94-82ec-8c4dc4229e0c" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019fec93-9774-779a-979c-dce3cdd59161" xlink:to="loc_dei_DocumentInformationTable_019fec93-9774-7b94-82ec-8c4dc4229e0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9774-70f6-b297-a597333c3421" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_019fec93-9774-7b94-82ec-8c4dc4229e0c" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9774-70f6-b297-a597333c3421" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9774-70f6-b297-a597333c3421" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9774-7bb9-a311-b8c3452bfd62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9774-7bb9-a311-b8c3452bfd62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DepositarySharesMember_019fec93-9774-7560-8eab-dd52476e08e8" xlink:href="fcnca-20260930.xsd#fcnca_DepositarySharesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:to="loc_fcnca_DepositarySharesMember_019fec93-9774-7560-8eab-dd52476e08e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesCPreferredStockMember_019fec93-9774-7d0b-9dc3-4debaf592970" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesCPreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:to="loc_us-gaap_SeriesCPreferredStockMember_019fec93-9774-7d0b-9dc3-4debaf592970" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_019fec93-9774-7a17-9d4c-68718f4c4b01" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_019fec93-9774-7a17-9d4c-68718f4c4b01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9774-77dc-aaea-70b71de93d11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9774-776b-94d0-beb41db512a6" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9774-77dc-aaea-70b71de93d11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_019fec93-9774-7b94-82ec-8c4dc4229e0c" xlink:to="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_019fec93-9774-77e1-91da-2235ac7e164f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_DocumentType_019fec93-9774-77e1-91da-2235ac7e164f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_019fec93-9774-7ee4-a440-bfe83438b364" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_DocumentQuarterlyReport_019fec93-9774-7ee4-a440-bfe83438b364" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_019fec93-9774-7aca-985d-289cbef54008" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_DocumentPeriodEndDate_019fec93-9774-7aca-985d-289cbef54008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_019fec93-9774-7120-9697-19f292aede80" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_DocumentTransitionReport_019fec93-9774-7120-9697-19f292aede80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_019fec93-9774-7989-a394-5146057fdc58" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityFileNumber_019fec93-9774-7989-a394-5146057fdc58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_019fec93-9774-7ee2-bcdf-846a1c967b24" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityRegistrantName_019fec93-9774-7ee2-bcdf-846a1c967b24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_019fec93-9774-7acd-b928-f78102f4ddca" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityIncorporationStateCountryCode_019fec93-9774-7acd-b928-f78102f4ddca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_019fec93-9774-7fe2-ba29-55c425a30f7d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityTaxIdentificationNumber_019fec93-9774-7fe2-ba29-55c425a30f7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_019fec93-9774-7e14-ad01-4711303b5028" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityAddressAddressLine1_019fec93-9774-7e14-ad01-4711303b5028" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_019fec93-9774-730b-a995-a77231a86a8d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityAddressCityOrTown_019fec93-9774-730b-a995-a77231a86a8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_019fec93-9774-7b57-8359-85921067e518" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityAddressStateOrProvince_019fec93-9774-7b57-8359-85921067e518" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_019fec93-9774-7b22-bccb-48f5e4821112" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityAddressPostalZipCode_019fec93-9774-7b22-bccb-48f5e4821112" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_019fec93-9774-7dad-8ea7-7ec2de39dafa" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_CityAreaCode_019fec93-9774-7dad-8ea7-7ec2de39dafa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_019fec93-9774-77ba-9ee6-20a4293882eb" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_LocalPhoneNumber_019fec93-9774-77ba-9ee6-20a4293882eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_019fec93-9774-701d-a052-2eed31d381ae" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_Security12bTitle_019fec93-9774-701d-a052-2eed31d381ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_019fec93-9774-743b-a61f-50271dac929d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_TradingSymbol_019fec93-9774-743b-a61f-50271dac929d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_019fec93-9774-730e-bdcd-881932ae03ef" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_SecurityExchangeName_019fec93-9774-730e-bdcd-881932ae03ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12gTitle_019fec93-9774-7261-89a4-2aa13d2aea60" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_Security12gTitle"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_Security12gTitle_019fec93-9774-7261-89a4-2aa13d2aea60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_019fec93-9774-7466-bbca-309d8bca8e8b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityCurrentReportingStatus_019fec93-9774-7466-bbca-309d8bca8e8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_019fec93-9774-717a-8f53-2a1b339b55a2" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityInteractiveDataCurrent_019fec93-9774-717a-8f53-2a1b339b55a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_019fec93-9774-7605-95f8-593b5c2a05e2" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityFilerCategory_019fec93-9774-7605-95f8-593b5c2a05e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_019fec93-9774-7983-8289-900ce124cf85" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntitySmallBusiness_019fec93-9774-7983-8289-900ce124cf85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_019fec93-9774-7aa4-9a4c-aba5e9eb8bcb" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityEmergingGrowthCompany_019fec93-9774-7aa4-9a4c-aba5e9eb8bcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_019fec93-9774-7f19-9ea6-f64a45deb4b8" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityShellCompany_019fec93-9774-7f19-9ea6-f64a45deb4b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_019fec93-9774-7cae-881e-5b9c915c138c" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_019fec93-9774-7cae-881e-5b9c915c138c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_019fec93-9774-7612-91d7-e021cab44003" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_EntityCentralIndexKey_019fec93-9774-7612-91d7-e021cab44003" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_019fec93-9774-7683-9163-5a93616b762d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_DocumentFiscalYearFocus_019fec93-9774-7683-9163-5a93616b762d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_019fec93-9774-7742-9ec6-9bac99554dc3" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_DocumentFiscalPeriodFocus_019fec93-9774-7742-9ec6-9bac99554dc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_019fec93-9774-7e8e-86e0-7c3cd863eb80" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_AmendmentFlag_019fec93-9774-7e8e-86e0-7c3cd863eb80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_019fec93-9774-7d11-8ec1-d812d4ff272b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019fec93-9774-7cd3-bb58-2119dac3c684" xlink:to="loc_dei_CurrentFiscalYearEndDate_019fec93-9774-7d11-8ec1-d812d4ff272b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedBalanceSheetsUnaudited" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedBalanceSheetsUnaudited"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedBalanceSheetsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_019fec93-9775-737b-addc-fe9c7766e339" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019fec93-9775-7757-8507-b14f1b3a910f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019fec93-9775-737b-addc-fe9c7766e339" xlink:to="loc_us-gaap_StatementTable_019fec93-9775-7757-8507-b14f1b3a910f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7829-ae31-4f499576411b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-7757-8507-b14f1b3a910f" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7829-ae31-4f499576411b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9775-7b5a-85a9-927f6c052e27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7829-ae31-4f499576411b" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9775-7b5a-85a9-927f6c052e27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9775-7f80-9ae8-fa1da33ad1ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-7b5a-85a9-927f6c052e27" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9775-7f80-9ae8-fa1da33ad1ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9775-72a4-a6e4-4b0a0ff26945" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-7b5a-85a9-927f6c052e27" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9775-72a4-a6e4-4b0a0ff26945" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019fec93-9775-7f7c-a628-4d32c2ddc9ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-7757-8507-b14f1b3a910f" xlink:to="loc_us-gaap_StatementLineItems_019fec93-9775-7f7c-a628-4d32c2ddc9ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7f7c-a628-4d32c2ddc9ea" xlink:to="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019fec93-9775-7c5a-a604-cdc1209db12d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_CashAndDueFromBanks_019fec93-9775-7c5a-a604-cdc1209db12d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_019fec93-9775-78db-8d88-86cd111586da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_019fec93-9775-78db-8d88-86cd111586da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019fec93-9775-7244-9d53-eb90acb75856" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019fec93-9775-7244-9d53-eb90acb75856" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019fec93-9775-7794-9923-566942a2f954" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019fec93-9775-7794-9923-566942a2f954" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9775-7034-9b58-ad4f77a82b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9775-7034-9b58-ad4f77a82b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9775-76bf-ba57-82ce934b557d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9775-76bf-ba57-82ce934b557d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup_019fec93-9775-75e4-a1dc-6fa37a533a7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup_019fec93-9775-75e4-a1dc-6fa37a533a7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9775-72f2-ab6c-12f8214e9378" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9775-72f2-ab6c-12f8214e9378" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-9775-7355-a5f2-a6f44b8b3f32" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-9775-7355-a5f2-a6f44b8b3f32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9775-7295-9260-d6ca55b5e43e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9775-7295-9260-d6ca55b5e43e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseNet_019fec93-9775-73c6-b664-8b4e191e8e6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertySubjectToOrAvailableForOperatingLeaseNet"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseNet_019fec93-9775-73c6-b664-8b4e191e8e6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019fec93-9775-7daf-9146-07a8acb26b0b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019fec93-9775-7daf-9146-07a8acb26b0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019fec93-9775-7d79-b385-547b0ad49f0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_Goodwill_019fec93-9775-7d79-b385-547b0ad49f0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019fec93-9775-756c-8dd4-313c38158598" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019fec93-9775-756c-8dd4-313c38158598" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019fec93-9775-7280-bf44-bfe31e45eed4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_OtherAssets_019fec93-9775-7280-bf44-bfe31e45eed4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019fec93-9775-7cbe-a2d6-d1bb9896f826" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019fec93-9775-7cb8-94e5-c8c032d9b7e3" xlink:to="loc_us-gaap_Assets_019fec93-9775-7cbe-a2d6-d1bb9896f826" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7f7c-a628-4d32c2ddc9ea" xlink:to="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_019fec93-9775-7024-bb52-422fa64448e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:to="loc_us-gaap_DepositsAbstract_019fec93-9775-7024-bb52-422fa64448e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_019fec93-9775-7f4c-a82d-4db05c6bfb17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019fec93-9775-7024-bb52-422fa64448e1" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_019fec93-9775-7f4c-a82d-4db05c6bfb17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_019fec93-9775-7d65-a6a5-838e1ea88684" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019fec93-9775-7024-bb52-422fa64448e1" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_019fec93-9775-7d65-a6a5-838e1ea88684" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019fec93-9775-791c-a364-e2c41eba079b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019fec93-9775-7024-bb52-422fa64448e1" xlink:to="loc_us-gaap_Deposits_019fec93-9775-791c-a364-e2c41eba079b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LiabilitiesCreditBalancesOfFactoringClients_019fec93-9775-7333-b5e3-4d81c61c8145" xlink:href="fcnca-20260930.xsd#fcnca_LiabilitiesCreditBalancesOfFactoringClients"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:to="loc_fcnca_LiabilitiesCreditBalancesOfFactoringClients_019fec93-9775-7333-b5e3-4d81c61c8145" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract_019fec93-9775-7669-96a6-7a78d495b788" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract_019fec93-9775-7669-96a6-7a78d495b788" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_019fec93-9775-74b9-951d-1e5e6b9c4e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermBorrowings"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract_019fec93-9775-7669-96a6-7a78d495b788" xlink:to="loc_us-gaap_ShortTermBorrowings_019fec93-9775-74b9-951d-1e5e6b9c4e5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019fec93-9775-7e2c-b66a-bf7477fdc537" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract_019fec93-9775-7669-96a6-7a78d495b788" xlink:to="loc_us-gaap_LongTermDebt_019fec93-9775-7e2c-b66a-bf7477fdc537" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_019fec93-9775-763f-a71f-e163b3b8215c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract_019fec93-9775-7669-96a6-7a78d495b788" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_019fec93-9775-763f-a71f-e163b3b8215c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019fec93-9775-7c31-8ace-442e08f9cbd8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:to="loc_us-gaap_OtherLiabilities_019fec93-9775-7c31-8ace-442e08f9cbd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019fec93-9775-7734-b724-903dd8a92dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_019fec93-9775-7048-a106-66c9e9e069be" xlink:to="loc_us-gaap_Liabilities_019fec93-9775-7734-b724-903dd8a92dc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7f7c-a628-4d32c2ddc9ea" xlink:to="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019fec93-9775-7d18-9de0-ba9d548543d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:to="loc_us-gaap_PreferredStockValue_019fec93-9775-7d18-9de0-ba9d548543d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019fec93-9775-7eba-b0f4-0120943940d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:to="loc_us-gaap_CommonStockValue_019fec93-9775-7eba-b0f4-0120943940d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019fec93-9775-763a-8c48-f90f03bc228e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019fec93-9775-763a-8c48-f90f03bc228e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019fec93-9775-77ff-a6ab-8d61f6d0ff91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019fec93-9775-77ff-a6ab-8d61f6d0ff91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019fec93-9775-7846-b0ec-1afb411fa0ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019fec93-9775-7122-9343-43cbc8af0127" xlink:to="loc_us-gaap_StockholdersEquity_019fec93-9775-7846-b0ec-1afb411fa0ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019fec93-9775-7c36-b137-40f697d0e282" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7f7c-a628-4d32c2ddc9ea" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_019fec93-9775-7c36-b137-40f697d0e282" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedBalanceSheetsUnauditedParenthetical" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedBalanceSheetsUnauditedParenthetical"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedBalanceSheetsUnauditedParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_019fec93-9775-79af-aaa2-f2a5cb963b40" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019fec93-9775-7060-9691-b8e5db2f3d82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019fec93-9775-79af-aaa2-f2a5cb963b40" xlink:to="loc_us-gaap_StatementTable_019fec93-9775-7060-9691-b8e5db2f3d82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-71b5-ba61-912efeaacc68" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-7060-9691-b8e5db2f3d82" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-71b5-ba61-912efeaacc68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9775-71d5-ae80-9e415e0b2e5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-71b5-ba61-912efeaacc68" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9775-71d5-ae80-9e415e0b2e5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9775-794c-a5f8-42ad5b60efea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-71d5-ae80-9e415e0b2e5a" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9775-794c-a5f8-42ad5b60efea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9775-7ed8-b70b-dad69eb0d4e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-71d5-ae80-9e415e0b2e5a" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9775-7ed8-b70b-dad69eb0d4e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-7060-9691-b8e5db2f3d82" xlink:to="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_019fec93-9775-7bce-b619-92e143b87f4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_019fec93-9775-7bce-b619-92e143b87f4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9775-7823-8909-b7005a54b674" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9775-7823-8909-b7005a54b674" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019fec93-9775-7069-9a6c-df0c82251cf9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019fec93-9775-7069-9a6c-df0c82251cf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019fec93-9775-730c-bbae-010fcfb0a9aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019fec93-9775-730c-bbae-010fcfb0a9aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_019fec93-9775-7647-82e1-e60ac4e0f660" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_019fec93-9775-7647-82e1-e60ac4e0f660" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019fec93-9775-799c-ab1f-36642eaadd73" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019fec93-9775-799c-ab1f-36642eaadd73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_019fec93-9775-7aa4-96c0-8f0c78178387" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_019fec93-9775-7aa4-96c0-8f0c78178387" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_019fec93-9775-7390-8317-56fa5e752f2d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_CommonStockSharesIssued_019fec93-9775-7390-8317-56fa5e752f2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019fec93-9775-7a02-96c1-00d18d022eee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-797e-bd6e-02795b638585" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019fec93-9775-7a02-96c1-00d18d022eee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedStatementsofIncomeUnaudited" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedStatementsofIncomeUnaudited"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedStatementsofIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_019fec93-9775-7d12-838b-440ecae0e417" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019fec93-9775-7acc-aef0-b69c79e1f2f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019fec93-9775-7d12-838b-440ecae0e417" xlink:to="loc_us-gaap_StatementTable_019fec93-9775-7acc-aef0-b69c79e1f2f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019fec93-9775-7f7c-bb56-fcb358b45790" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-7acc-aef0-b69c79e1f2f1" xlink:to="loc_srt_ProductOrServiceAxis_019fec93-9775-7f7c-bb56-fcb358b45790" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_019fec93-9775-7f7c-bb56-fcb358b45790" xlink:to="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LendingRelatedFeesMember_019fec93-9775-79f2-9cbf-966d8cede43c" xlink:href="fcnca-20260930.xsd#fcnca_LendingRelatedFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_LendingRelatedFeesMember_019fec93-9775-79f2-9cbf-966d8cede43c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DepositFeesAndServiceChargesMember_019fec93-9775-766f-9de3-fcc427a173b5" xlink:href="fcnca-20260930.xsd#fcnca_DepositFeesAndServiceChargesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_DepositFeesAndServiceChargesMember_019fec93-9775-766f-9de3-fcc427a173b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ClientInvestmentServiceMember_019fec93-9775-785c-8a24-c02a2eb6b165" xlink:href="fcnca-20260930.xsd#fcnca_ClientInvestmentServiceMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_ClientInvestmentServiceMember_019fec93-9775-785c-8a24-c02a2eb6b165" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetManagement1Member_019fec93-9775-7fab-ae11-693b6d7b93d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetManagement1Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_us-gaap_AssetManagement1Member_019fec93-9775-7fab-ae11-693b6d7b93d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InternationalFeesMember_019fec93-9775-7801-90d5-2e3f2f205041" xlink:href="fcnca-20260930.xsd#fcnca_InternationalFeesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_InternationalFeesMember_019fec93-9775-7801-90d5-2e3f2f205041" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FactoringCommissionsMember_019fec93-9775-76d0-bd24-cd4e9ca4aefe" xlink:href="fcnca-20260930.xsd#fcnca_FactoringCommissionsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_FactoringCommissionsMember_019fec93-9775-76d0-bd24-cd4e9ca4aefe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditAndDebitCardMember_019fec93-9775-7f7b-82a3-7cb57296c2b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditAndDebitCardMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_us-gaap_CreditAndDebitCardMember_019fec93-9775-7f7b-82a3-7cb57296c2b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_MerchantServicesMember_019fec93-9775-78d1-8edd-d256d9637021" xlink:href="fcnca-20260930.xsd#fcnca_MerchantServicesMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_MerchantServicesMember_019fec93-9775-78d1-8edd-d256d9637021" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InsuranceCommissionsMember_019fec93-9775-7501-8649-2ff959368c51" xlink:href="fcnca-20260930.xsd#fcnca_InsuranceCommissionsMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019fec93-9775-719f-a2d9-917d7066d65a" xlink:to="loc_fcnca_InsuranceCommissionsMember_019fec93-9775-7501-8649-2ff959368c51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-7acc-aef0-b69c79e1f2f1" xlink:to="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNetAbstract_019fec93-9775-77d5-9636-3211fc5f1b7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_InterestIncomeExpenseNetAbstract_019fec93-9775-77d5-9636-3211fc5f1b7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019fec93-9775-73b9-8090-9696ade64652" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestIncomeExpenseNetAbstract_019fec93-9775-77d5-9636-3211fc5f1b7e" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019fec93-9775-73b9-8090-9696ade64652" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxable_019fec93-9775-7593-9fc4-2662beaea4e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeSecuritiesTaxable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestIncomeExpenseNetAbstract_019fec93-9775-77d5-9636-3211fc5f1b7e" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxable_019fec93-9775-7593-9fc4-2662beaea4e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestIncomeDepositsWithFinancialInstitutionsAndDividendIncomeEquitySecuritiesOperating_019fec93-9775-7c50-892d-a07cdda5f1ab" xlink:href="fcnca-20260930.xsd#fcnca_InterestIncomeDepositsWithFinancialInstitutionsAndDividendIncomeEquitySecuritiesOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestIncomeExpenseNetAbstract_019fec93-9775-77d5-9636-3211fc5f1b7e" xlink:to="loc_fcnca_InterestIncomeDepositsWithFinancialInstitutionsAndDividendIncomeEquitySecuritiesOperating_019fec93-9775-7c50-892d-a07cdda5f1ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019fec93-9775-71fb-a3f4-ad78ff93625b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestIncomeExpenseNetAbstract_019fec93-9775-77d5-9636-3211fc5f1b7e" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019fec93-9775-71fb-a3f4-ad78ff93625b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_019fec93-9775-79bd-85a6-acccc5cd5299" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_InterestExpenseAbstract_019fec93-9775-79bd-85a6-acccc5cd5299" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_019fec93-9775-7b3c-8d30-a3f966995150" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019fec93-9775-79bd-85a6-acccc5cd5299" xlink:to="loc_us-gaap_InterestExpenseDeposits_019fec93-9775-7b3c-8d30-a3f966995150" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBorrowings_019fec93-9775-7660-bc3c-9e98716aba5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseBorrowings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019fec93-9775-79bd-85a6-acccc5cd5299" xlink:to="loc_us-gaap_InterestExpenseBorrowings_019fec93-9775-7660-bc3c-9e98716aba5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019fec93-9775-751f-8451-9e52a364d98b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019fec93-9775-79bd-85a6-acccc5cd5299" xlink:to="loc_us-gaap_InterestExpenseOperating_019fec93-9775-751f-8451-9e52a364d98b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019fec93-9775-7a6b-b623-1fbf1f66357f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019fec93-9775-7a6b-b623-1fbf1f66357f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CreditLossExpenseReversal_019fec93-9775-7ab5-b1e3-736e8aa413ff" xlink:href="fcnca-20260930.xsd#fcnca_CreditLossExpenseReversal"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_fcnca_CreditLossExpenseReversal_019fec93-9775-7ab5-b1e3-736e8aa413ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestIncomeExpenseAfterProvisionForCreditLoss_019fec93-9775-7d34-84e2-0e6577460a8f" xlink:href="fcnca-20260930.xsd#fcnca_InterestIncomeExpenseAfterProvisionForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_fcnca_InterestIncomeExpenseAfterProvisionForCreditLoss_019fec93-9775-7d34-84e2-0e6577460a8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncome_019fec93-9775-7c7f-a596-dc5b55deb95e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLeaseIncome"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncome_019fec93-9775-7c7f-a596-dc5b55deb95e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019fec93-9775-7f1f-8f98-a5901e79fab9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019fec93-9775-7f1f-8f98-a5901e79fab9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesRealizedGainLoss_01a1429c-8285-7433-9fd1-a77fd40dcdad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesRealizedGainLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_DebtSecuritiesRealizedGainLoss_01a1429c-8285-7433-9fd1-a77fd40dcdad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_019fec93-9775-797d-9a1d-fb4accb95e23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiGainLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_019fec93-9775-797d-9a1d-fb4accb95e23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfLeasedAssetsNetOperatingLeases_019fec93-9775-7bf2-8511-9c957ab33545" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSaleOfLeasedAssetsNetOperatingLeases"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_GainLossOnSaleOfLeasedAssetsNetOperatingLeases_019fec93-9775-7bf2-8511-9c957ab33545" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019fec93-9775-7a3f-bf95-3d13c921e5fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019fec93-9775-7a3f-bf95-3d13c921e5fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOther_019fec93-9775-7b3d-a2cc-897542ce52c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeOther"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_NoninterestIncomeOther_019fec93-9775-7b3d-a2cc-897542ce52c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019fec93-9775-7cf4-8d79-562056776e4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019fec93-9775-76eb-a77a-1e8a75598593" xlink:to="loc_us-gaap_NoninterestIncome_019fec93-9775-7cf4-8d79-562056776e4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease_019fec93-9775-7f01-85ab-495b0ad8f6be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease_019fec93-9775-7f01-85ab-495b0ad8f6be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectCostsOfLeasedAndRentedPropertyOrEquipment_019fec93-9775-7113-aaa4-93888d757ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DirectCostsOfLeasedAndRentedPropertyOrEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_DirectCostsOfLeasedAndRentedPropertyOrEquipment_019fec93-9775-7113-aaa4-93888d757ea5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019fec93-9775-77d8-8e56-015d4bf6f2f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019fec93-9775-77d8-8e56-015d4bf6f2f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019fec93-9775-7c6a-9e94-dd8fc3a8f939" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OccupancyNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_OccupancyNet_019fec93-9775-7c6a-9e94-dd8fc3a8f939" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentExpense_019fec93-9775-74c7-aa3a-380b6f720143" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquipmentExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_EquipmentExpense_019fec93-9775-74c7-aa3a-380b6f720143" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019fec93-9775-7835-b18c-784754440cb2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_ProfessionalFees_019fec93-9775-7835-b18c-784754440cb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ThirdPartyProcessingFees_019fec93-9775-70f9-98ec-e0e0abec0ba6" xlink:href="fcnca-20260930.xsd#fcnca_ThirdPartyProcessingFees"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_fcnca_ThirdPartyProcessingFees_019fec93-9775-70f9-98ec-e0e0abec0ba6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_019fec93-9775-76cc-a7f9-88021530c22c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_019fec93-9775-76cc-a7f9-88021530c22c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingExpense_019fec93-9775-735a-82aa-625b26c9971c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketingExpense"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_MarketingExpense_019fec93-9775-735a-82aa-625b26c9971c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019fec93-9775-70df-a8d1-33606035a4a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019fec93-9775-70df-a8d1-33606035a4a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019fec93-9775-7bdb-ac00-ae960cbe2385" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019fec93-9775-7bdb-ac00-ae960cbe2385" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_019fec93-9775-7520-ba90-82718a8ad40f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_OtherNoninterestExpense_019fec93-9775-7520-ba90-82718a8ad40f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019fec93-9775-7a71-9669-4d7918b24ce1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019fec93-9775-79d5-a660-24d75037988e" xlink:to="loc_us-gaap_NoninterestExpense_019fec93-9775-7a71-9669-4d7918b24ce1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019fec93-9775-7604-8a2f-65b38ff878ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019fec93-9775-7604-8a2f-65b38ff878ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019fec93-9775-7b56-b9c2-f2c67c3b8127" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019fec93-9775-7b56-b9c2-f2c67c3b8127" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019fec93-9775-7e83-91de-1a85d684d74c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_NetIncomeLoss_019fec93-9775-7e83-91de-1a85d684d74c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019fec93-9775-7728-9936-a1828c851e51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019fec93-9775-7728-9936-a1828c851e51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019fec93-9775-7a33-a58f-f506c3ae9781" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019fec93-9775-7a33-a58f-f506c3ae9781" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019fec93-9775-7a63-a9bf-97a3efb64407" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019fec93-9775-7a63-a9bf-97a3efb64407" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019fec93-9775-7c93-a681-9fbb9a840db5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_EarningsPerShareAbstract_019fec93-9775-7c93-a681-9fbb9a840db5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019fec93-9775-72cd-b9ce-6aa7fe737b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9775-7c93-a681-9fbb9a840db5" xlink:to="loc_us-gaap_EarningsPerShareBasic_019fec93-9775-72cd-b9ce-6aa7fe737b3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019fec93-9775-7571-a9c3-70b1498a12a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9775-7c93-a681-9fbb9a840db5" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019fec93-9775-7571-a9c3-70b1498a12a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9775-7753-9f9a-a84071c9c33b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7135-ad78-87a550ad3634" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9775-7753-9f9a-a84071c9c33b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019fec93-9775-7e07-95e8-b1839dda4318" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9775-7753-9f9a-a84071c9c33b" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019fec93-9775-7e07-95e8-b1839dda4318" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019fec93-9775-7726-a75e-3713fed064ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9775-7753-9f9a-a84071c9c33b" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019fec93-9775-7726-a75e-3713fed064ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedStatementsofComprehensiveIncomeUnaudited"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019fec93-9775-75a0-9fbc-30bd15a9e52b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019fec93-9775-74b2-becd-9bae524b8444" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019fec93-9775-75a0-9fbc-30bd15a9e52b" xlink:to="loc_us-gaap_NetIncomeLoss_019fec93-9775-74b2-becd-9bae524b8444" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_019fec93-9775-787f-bad2-cf9f1d1350fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019fec93-9775-75a0-9fbc-30bd15a9e52b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_019fec93-9775-787f-bad2-cf9f1d1350fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019fec93-9775-7e4a-ab55-aea5e957f044" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_019fec93-9775-787f-bad2-cf9f1d1350fd" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019fec93-9775-7e4a-ab55-aea5e957f044" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_019fec93-9775-7f7d-aff3-84512226aa72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_019fec93-9775-787f-bad2-cf9f1d1350fd" xlink:to="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_019fec93-9775-7f7d-aff3-84512226aa72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_019fec93-9775-7660-9c7a-b743fa99d66f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_019fec93-9775-787f-bad2-cf9f1d1350fd" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_019fec93-9775-7660-9c7a-b743fa99d66f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9775-73a9-a583-e53eec93e4c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_019fec93-9775-787f-bad2-cf9f1d1350fd" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9775-73a9-a583-e53eec93e4c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019fec93-9775-724d-901b-5e35325d7f2a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019fec93-9775-75a0-9fbc-30bd15a9e52b" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_019fec93-9775-724d-901b-5e35325d7f2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedStatementsofChangesinStockholdersEquityUnaudited" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedStatementsofChangesinStockholdersEquityUnaudited"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedStatementsofChangesinStockholdersEquityUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_019fec93-9775-7383-8d59-d2ea900fe513" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019fec93-9775-70c3-9db0-c68ee5531714" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_019fec93-9775-7383-8d59-d2ea900fe513" xlink:to="loc_us-gaap_StatementTable_019fec93-9775-70c3-9db0-c68ee5531714" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9775-71be-b0dc-70dcd9211362" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-70c3-9db0-c68ee5531714" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9775-71be-b0dc-70dcd9211362" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9775-71be-b0dc-70dcd9211362" xlink:to="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_019fec93-9775-7897-b0a7-2fb3887c6dc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:to="loc_us-gaap_PreferredStockMember_019fec93-9775-7897-b0a7-2fb3887c6dc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019fec93-9775-7259-b36c-c7dcf07ccda1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:to="loc_us-gaap_CommonStockMember_019fec93-9775-7259-b36c-c7dcf07ccda1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_019fec93-9775-7655-8952-2fd1fc91f344" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_019fec93-9775-7655-8952-2fd1fc91f344" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019fec93-9775-7779-b223-d3e087c965c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:to="loc_us-gaap_RetainedEarningsMember_019fec93-9775-7779-b223-d3e087c965c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9775-7f12-bd8a-48832dd535c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9775-71b7-b7fc-83647e090c77" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9775-7f12-bd8a-48832dd535c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7ba8-bf1e-91f2141ff406" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-70c3-9db0-c68ee5531714" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7ba8-bf1e-91f2141ff406" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7ba8-bf1e-91f2141ff406" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9775-7b7f-b112-fe2adfea0402" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9775-7b7f-b112-fe2adfea0402" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9775-73e7-a586-1936cfc2dd2e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9775-73e7-a586-1936cfc2dd2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesFPreferredStockMember_01a1429d-20fd-7eb5-b378-3e1cbe87aecb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesFPreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_SeriesFPreferredStockMember_01a1429d-20fd-7eb5-b378-3e1cbe87aecb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesAPreferredStockMember_019fec93-9775-7190-8b49-c5630ec50dac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesAPreferredStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_SeriesAPreferredStockMember_019fec93-9775-7190-8b49-c5630ec50dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_019fec93-9775-762b-8d52-81e48339c210" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_019fec93-9775-762b-8d52-81e48339c210" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesCPreferredStockMember_019fec93-9775-7830-be8b-49b319a6effd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesCPreferredStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_SeriesCPreferredStockMember_019fec93-9775-7830-be8b-49b319a6effd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_019fec93-9775-7942-99ef-3c7c26629b16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesDPreferredStockMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_019fec93-9775-7942-99ef-3c7c26629b16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_019fec93-9775-7434-a1c5-3593b8758b54" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-72a9-bb5d-c571d1757c90" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_019fec93-9775-7434-a1c5-3593b8758b54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019fec93-9775-79d8-a6ba-5f2ccfa77afd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-70c3-9db0-c68ee5531714" xlink:to="loc_us-gaap_StatementLineItems_019fec93-9775-79d8-a6ba-5f2ccfa77afd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-79d8-a6ba-5f2ccfa77afd" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019fec93-9775-761c-99b4-74299d2546a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_StockholdersEquity_019fec93-9775-761c-99b4-74299d2546a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019fec93-9775-7e88-aaf2-0e68eb46ad50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_NetIncomeLoss_019fec93-9775-7e88-aaf2-0e68eb46ad50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9775-7e03-becc-d6f69e8cf9e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9775-7e03-becc-d6f69e8cf9e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019fec93-9775-7987-9f82-4d01e9710286" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019fec93-9775-7987-9f82-4d01e9710286" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019fec93-9775-7a48-b51a-2b7010bc6b38" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019fec93-9775-7a48-b51a-2b7010bc6b38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_019fec93-9775-78de-9cd7-a136993c1ea0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_DividendsCommonStockCash_019fec93-9775-78de-9cd7-a136993c1ea0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash_019fec93-9775-70cc-9b90-1f251b95cfeb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_DividendsPreferredStockCash_019fec93-9775-70cc-9b90-1f251b95cfeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019fec93-9775-75d3-97ef-a1914dec0637" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019fec93-9775-7cd8-b670-9c84bc52e4c5" xlink:to="loc_us-gaap_StockholdersEquity_019fec93-9775-75d3-97ef-a1914dec0637" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedStatementsofChangesinStockholdersEquityUnauditedParenthetical" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedStatementsofChangesinStockholdersEquityUnauditedParenthetical"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedStatementsofChangesinStockholdersEquityUnauditedParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_019fec93-9775-7e2f-b290-faf88b00979b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019fec93-9775-775c-b7e2-9c66367445c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_019fec93-9775-7e2f-b290-faf88b00979b" xlink:to="loc_us-gaap_StatementTable_019fec93-9775-775c-b7e2-9c66367445c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7cd0-bbe9-3fa462846bcb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-775c-b7e2-9c66367445c5" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7cd0-bbe9-3fa462846bcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9775-70b2-832b-e6608dbb8175" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9775-7cd0-bbe9-3fa462846bcb" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9775-70b2-832b-e6608dbb8175" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9775-7250-8439-f704380158b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9775-70b2-832b-e6608dbb8175" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9775-7250-8439-f704380158b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019fec93-9775-7c07-99cc-1b2bbf02ad54" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019fec93-9775-775c-b7e2-9c66367445c5" xlink:to="loc_us-gaap_StatementLineItems_019fec93-9775-7c07-99cc-1b2bbf02ad54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_019fec93-9775-7540-bed2-18c629992dd8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7c07-99cc-1b2bbf02ad54" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_019fec93-9775-7540-bed2-18c629992dd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_019fec93-9775-7813-bd86-8334c506148b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019fec93-9775-7c07-99cc-1b2bbf02ad54" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_019fec93-9775-7813-bd86-8334c506148b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ConsolidatedStatementsofCashFlowsUnaudited" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ConsolidatedStatementsofCashFlowsUnaudited"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ConsolidatedStatementsofCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_019fec93-9775-7fb7-bfac-c0b03198c816" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_01a17ce3-5b8a-7206-8be4-514f3349caeb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019fec93-9775-7fb7-bfac-c0b03198c816" xlink:to="loc_us-gaap_StatementTable_01a17ce3-5b8a-7206-8be4-514f3349caeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_01a17ce3-5b8a-76f6-a335-c76a3cadfd50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_01a17ce3-5b8a-7206-8be4-514f3349caeb" xlink:to="loc_us-gaap_StatementClassOfStockAxis_01a17ce3-5b8a-76f6-a335-c76a3cadfd50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_01a17ce3-5b8a-70fd-801d-eda6d24a7ee7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_01a17ce3-5b8a-76f6-a335-c76a3cadfd50" xlink:to="loc_us-gaap_ClassOfStockDomain_01a17ce3-5b8a-70fd-801d-eda6d24a7ee7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_01a17ce3-5b8a-72ed-8617-301a805eeb44" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_01a17ce3-5b8a-70fd-801d-eda6d24a7ee7" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_01a17ce3-5b8a-72ed-8617-301a805eeb44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesFPreferredStockMember_01a17ce4-15e7-7128-b2cb-9768be933e3c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesFPreferredStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_01a17ce3-5b8a-70fd-801d-eda6d24a7ee7" xlink:to="loc_us-gaap_SeriesFPreferredStockMember_01a17ce4-15e7-7128-b2cb-9768be933e3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_01a17ce3-5b8a-7206-8be4-514f3349caeb" xlink:to="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7fa6-b307-33df632869a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7fa6-b307-33df632869a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019fec93-9775-7227-9818-177d0fb52318" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7fa6-b307-33df632869a9" xlink:to="loc_us-gaap_NetIncomeLoss_019fec93-9775-7227-9818-177d0fb52318" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7fa6-b307-33df632869a9" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_019fec93-9775-7465-9f21-1bdd9d66d343" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_019fec93-9775-7465-9f21-1bdd9d66d343" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019fec93-9775-753b-93a7-722cc4b7e026" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019fec93-9775-753b-93a7-722cc4b7e026" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet_019fec93-9775-7036-b725-2967a55ad92c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAmortizationAndAccretionNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_DepreciationAmortizationAndAccretionNet_019fec93-9775-7036-b725-2967a55ad92c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesRealizedGainLoss_01a17cde-8957-7f01-9371-444e8d83b67c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesRealizedGainLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_DebtSecuritiesRealizedGainLoss_01a17cde-8957-7f01-9371-444e8d83b67c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_019fec93-9775-74da-b986-9008d690d8a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiGainLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_019fec93-9775-74da-b986-9008d690d8a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_019fec93-9775-76f6-9891-97e1281036f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_019fec93-9775-76f6-9891-97e1281036f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_GainOnSalesOfOperatingLeaseEquipmentNet_019fec93-9775-7830-b626-ba23381606b7" xlink:href="fcnca-20260930.xsd#fcnca_GainOnSalesOfOperatingLeaseEquipmentNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_fcnca_GainOnSalesOfOperatingLeaseEquipmentNet_019fec93-9775-7830-b626-ba23381606b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnSalesOfOtherRealEstate_019fec93-9775-70eb-9a3f-7c8b170baf99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_GainsLossesOnSalesOfOtherRealEstate_019fec93-9775-70eb-9a3f-7c8b170baf99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019fec93-9775-7f17-9b4f-82d88e6c69e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019fec93-9775-7f17-9b4f-82d88e6c69e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAssetsHeldForSale_019fec93-9775-7278-9635-5785a7f1af4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAssetsHeldForSale"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_IncreaseDecreaseInAssetsHeldForSale_019fec93-9775-7278-9635-5785a7f1af4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019fec93-9775-7283-b17b-a7297831f6bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019fec93-9775-7283-b17b-a7297831f6bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ImpairmentOfPremisesAndEquipmentAndOtherAssets_019fec93-9775-7d57-b39e-e9b6a76af31e" xlink:href="fcnca-20260930.xsd#fcnca_ImpairmentOfPremisesAndEquipmentAndOtherAssets"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_fcnca_ImpairmentOfPremisesAndEquipmentAndOtherAssets_019fec93-9775-7d57-b39e-e9b6a76af31e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019fec93-9775-714e-98e0-4d6084309421" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019fec93-9775-714e-98e0-4d6084309421" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019fec93-9775-7bd9-b16f-eeb23942816e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019fec93-9775-7bd9-b16f-eeb23942816e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingActivitiesCashFlowStatement_019fec93-9775-70e6-831d-3a53da3a01fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7743-8cf5-cd3e5afbfd40" xlink:to="loc_us-gaap_OtherOperatingActivitiesCashFlowStatement_019fec93-9775-70e6-831d-3a53da3a01fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019fec93-9775-7f94-aa34-a26cc5bddd6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019fec93-9775-7fa6-b307-33df632869a9" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019fec93-9775-7f94-aa34-a26cc5bddd6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_019fec93-9775-7ad6-895e-046366ee395f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_019fec93-9775-7ad6-895e-046366ee395f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_01a17cdf-aece-7c08-a504-4232070cecd0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_01a17cdf-aece-7c08-a504-4232070cecd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019fec93-9775-7c97-898b-01dbfc03d32d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019fec93-9775-7c97-898b-01dbfc03d32d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019fec93-9775-704b-9e3a-5ae42fc06a2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019fec93-9775-704b-9e3a-5ae42fc06a2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019fec93-9775-72c9-adaa-0cd54f1c6453" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019fec93-9775-72c9-adaa-0cd54f1c6453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_019fec93-9775-77b3-a58c-0b7d58b63990" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_019fec93-9775-77b3-a58c-0b7d58b63990" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019fec93-9775-7f0c-8ae8-188af301dfca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019fec93-9775-7f0c-8ae8-188af301dfca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell_019fec93-9775-7ef9-8199-6c2046e2309f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell_019fec93-9775-7ef9-8199-6c2046e2309f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_019fec93-9775-7002-bd11-c1b621c44c07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_019fec93-9775-7002-bd11-c1b621c44c07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansReceivable_019fec93-9775-7f2d-9b94-036349adff2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfLoansReceivable"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansReceivable_019fec93-9775-7f2d-9b94-036349adff2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_IncreaseDecreaseInLiabilitiesCreditBalancesOfFactoringClients_019fec93-9775-7be9-bb09-a5c1d99f1f88" xlink:href="fcnca-20260930.xsd#fcnca_IncreaseDecreaseInLiabilitiesCreditBalancesOfFactoringClients"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_fcnca_IncreaseDecreaseInLiabilitiesCreditBalancesOfFactoringClients_019fec93-9775-7be9-bb09-a5c1d99f1f88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquipmentOnLease_019fec93-9775-7e5b-b49a-86374dcb608c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireEquipmentOnLease"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_PaymentsToAcquireEquipmentOnLease_019fec93-9775-7e5b-b49a-86374dcb608c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ProceedsFromSalesOfOperatingLeaseEquipment_019fec93-9775-7932-b544-886baaeaf80f" xlink:href="fcnca-20260930.xsd#fcnca_ProceedsFromSalesOfOperatingLeaseEquipment"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_fcnca_ProceedsFromSalesOfOperatingLeaseEquipment_019fec93-9775-7932-b544-886baaeaf80f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019fec93-9775-754e-9b3c-6efc96a345d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019fec93-9775-754e-9b3c-6efc96a345d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ProceedsFromSaleOfOtherRealEstateOwned_019fec93-9775-7e29-8a4c-f27854fc443d" xlink:href="fcnca-20260930.xsd#fcnca_ProceedsFromSaleOfOtherRealEstateOwned"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_fcnca_ProceedsFromSaleOfOtherRealEstateOwned_019fec93-9775-7e29-8a4c-f27854fc443d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_01a17ce0-4c8d-7e11-bc71-299f48860c10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_01a17ce0-4c8d-7e11-bc71-299f48860c10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019fec93-9775-75ef-8791-037a0257b040" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019fec93-9775-75ef-8791-037a0257b040" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019fec93-9775-7897-a144-2ab004969eff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019fec93-9775-7d0a-927e-40b7262fb781" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019fec93-9775-7897-a144-2ab004969eff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInTimeDeposits_019fec93-9775-72a3-ac8c-8e1591b13993" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInTimeDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_IncreaseDecreaseInTimeDeposits_019fec93-9775-72a3-ac8c-8e1591b13993" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_IncreaseDecreaseInDemandDepositsAndOtherInterestBearingDeposits_019fec93-9775-7ee7-8717-3aea0b81c591" xlink:href="fcnca-20260930.xsd#fcnca_IncreaseDecreaseInDemandDepositsAndOtherInterestBearingDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_fcnca_IncreaseDecreaseInDemandDepositsAndOtherInterestBearingDeposits_019fec93-9775-7ee7-8717-3aea0b81c591" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase_019fec93-9775-784c-b881-8b7b6e73f205" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase_019fec93-9775-784c-b881-8b7b6e73f205" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_019fec93-9775-75c1-a46c-d6b07870f9f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_019fec93-9775-75c1-a46c-d6b07870f9f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019fec93-9775-71c5-becf-671276b12e43" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019fec93-9775-71c5-becf-671276b12e43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_019fec93-9775-77ff-a4b6-5b23283b0745" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_019fec93-9775-77ff-a4b6-5b23283b0745" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019fec93-9775-77f9-95ac-3c99c144fdd0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019fec93-9775-77f9-95ac-3c99c144fdd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_019fec93-9775-7c43-908e-e10b42d66cce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividends"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_PaymentsOfDividends_019fec93-9775-7c43-908e-e10b42d66cce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019fec93-9775-7dda-9721-49541d5332a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019fec93-9775-7dda-9721-49541d5332a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019fec93-9775-780d-bc48-e90092d91f58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fec93-9775-716d-ab8c-476a7ba98fa0" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019fec93-9775-780d-bc48-e90092d91f58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019fec93-9775-737e-b80b-ad7595ba08d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019fec93-9775-737e-b80b-ad7595ba08d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019fec93-9775-7c37-81ad-20d2c4cf906d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019fec93-9775-7c37-81ad-20d2c4cf906d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019fec93-9775-7d98-aee8-43bfab89c8a0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019fec93-9775-7d98-aee8-43bfab89c8a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashInvestingAndFinancingItemsAbstract_019fec93-9775-7cb8-8756-23fbc0d38e26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoncashInvestingAndFinancingItemsAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_01a17ce3-5b8a-7bd1-830c-6b077bc9d383" xlink:to="loc_us-gaap_OtherNoncashInvestingAndFinancingItemsAbstract_019fec93-9775-7cb8-8756-23fbc0d38e26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_019fec93-9775-7288-8a3c-fac2aba1f4e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherNoncashInvestingAndFinancingItemsAbstract_019fec93-9775-7cb8-8756-23fbc0d38e26" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_019fec93-9775-7288-8a3c-fac2aba1f4e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_019fec93-9775-752c-9625-bf17cce89e36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019fec93-9775-7288-8a3c-fac2aba1f4e2" xlink:to="loc_us-gaap_InterestPaidNet_019fec93-9775-752c-9625-bf17cce89e36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_019fec93-9775-75d7-a375-77c3dd8b894a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019fec93-9775-7288-8a3c-fac2aba1f4e2" xlink:to="loc_us-gaap_IncomeTaxesPaidNet_019fec93-9775-75d7-a375-77c3dd8b894a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherNoncashInvestingAndFinancingItemsAbstract_019fec93-9775-7cb8-8756-23fbc0d38e26" xlink:to="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferToOtherRealEstate_019fec93-9775-7be5-8639-938264405da1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransferToOtherRealEstate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:to="loc_us-gaap_TransferToOtherRealEstate_019fec93-9775-7be5-8639-938264405da1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TransferOfAssetsFromHeldForInvestmentToHeldForSale_019fec93-9775-735c-96c2-415d39f20498" xlink:href="fcnca-20260930.xsd#fcnca_TransferOfAssetsFromHeldForInvestmentToHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:to="loc_fcnca_TransferOfAssetsFromHeldForInvestmentToHeldForSale_019fec93-9775-735c-96c2-415d39f20498" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TransferOfAssetsFromHeldForSaleToHeldForInvestment_019fec93-9775-7dd9-8ac1-1c32d28aa0a2" xlink:href="fcnca-20260930.xsd#fcnca_TransferOfAssetsFromHeldForSaleToHeldForInvestment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:to="loc_fcnca_TransferOfAssetsFromHeldForSaleToHeldForInvestment_019fec93-9775-7dd9-8ac1-1c32d28aa0a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SecuritizationFinancialOrOperatingLeaseAssetsRetainedInterest_019fec93-9775-755e-87a5-2184b19c2514" xlink:href="fcnca-20260930.xsd#fcnca_SecuritizationFinancialOrOperatingLeaseAssetsRetainedInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:to="loc_fcnca_SecuritizationFinancialOrOperatingLeaseAssetsRetainedInterest_019fec93-9775-755e-87a5-2184b19c2514" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommitmentsExtendedOnAffordableHousingInvestmentCredits_019fec93-9775-7b9d-83d7-1eead3928389" xlink:href="fcnca-20260930.xsd#fcnca_CommitmentsExtendedOnAffordableHousingInvestmentCredits"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_019fec93-9775-7f06-926e-907bc99833e4" xlink:to="loc_fcnca_CommitmentsExtendedOnAffordableHousingInvestmentCredits_019fec93-9775-7b9d-83d7-1eead3928389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATION" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATION"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATION" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-72c7-a869-3388bfa03a89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock_019fec93-9816-78ab-b505-9c8913da43eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-72c7-a869-3388bfa03a89" xlink:to="loc_us-gaap_SignificantAccountingPoliciesTextBlock_019fec93-9816-78ab-b505-9c8913da43eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONS" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BUSINESSCOMBINATIONS"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-7f86-8f96-df371a08df2e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock_019fec93-9816-7099-b710-8205f21c1bb2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-7f86-8f96-df371a08df2e" xlink:to="loc_us-gaap_BusinessCombinationDisclosureTextBlock_019fec93-9816-7099-b710-8205f21c1bb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-72a7-9a12-b86d5f67d6fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_019fec93-9816-7fba-acd0-492178553045" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-72a7-9a12-b86d5f67d6fb" xlink:to="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_019fec93-9816-7fba-acd0-492178553045" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ASSETSHELDFORSALE" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ASSETSHELDFORSALE"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ASSETSHELDFORSALE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-7d06-8cb1-ac797dd8cdf1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock_019fec93-9816-76c1-ab46-6321a9e8e9d9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-7d06-8cb1-ac797dd8cdf1" xlink:to="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock_019fec93-9816-76c1-ab46-6321a9e8e9d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7a76-bece-1400b2831dc8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock_019fec93-9816-7c57-b3ad-29fd9a7f95ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7a76-bece-1400b2831dc8" xlink:to="loc_us-gaap_FinancingReceivablesTextBlock_019fec93-9816-7c57-b3ad-29fd9a7f95ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ALLOWANCEFORLOANANDLEASELOSSES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-718a-b62d-5f537326b673" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesTextBlock_019fec93-98ab-7f8d-b321-6f50ce6fbf07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllowanceForCreditLossesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-718a-b62d-5f537326b673" xlink:to="loc_us-gaap_AllowanceForCreditLossesTextBlock_019fec93-98ab-7f8d-b321-6f50ce6fbf07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-74ff-9e13-f19e13845ed5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock_019fec93-98ab-70f6-855b-e6d1c06e4cb6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-74ff-9e13-f19e13845ed5" xlink:to="loc_us-gaap_LesseeOperatingLeasesTextBlock_019fec93-98ab-70f6-855b-e6d1c06e4cb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeFinanceLeasesTextBlock_019fec93-98ab-72f6-a355-4d65e16a35e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeFinanceLeasesTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-74ff-9e13-f19e13845ed5" xlink:to="loc_us-gaap_LesseeFinanceLeasesTextBlock_019fec93-98ab-72f6-a355-4d65e16a35e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-7926-b453-495864e1cc73" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsDisclosureTextBlock_019fec93-98ab-7382-bec6-8a410332f797" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-7926-b453-495864e1cc73" xlink:to="loc_us-gaap_IntangibleAssetsDisclosureTextBlock_019fec93-98ab-7382-bec6-8a410332f797" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#VARIABLEINTERESTENTITIES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ab-7302-90fe-12398c411f10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_019fec93-98ab-75ed-baac-f72d8df12103" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ab-7302-90fe-12398c411f10" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_019fec93-98ab-75ed-baac-f72d8df12103" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BORROWINGS" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BORROWINGS"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BORROWINGS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7f7c-94a4-0667571b47c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_019fec93-98ac-74ba-9a4e-16bd58333169" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7f7c-94a4-0667571b47c5" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_019fec93-98ac-74ba-9a4e-16bd58333169" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTS" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTS"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7a92-bf0b-036706f39e83" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_019fec93-98ac-7b03-aec3-b1faf8e3dba7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7a92-bf0b-036706f39e83" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_019fec93-98ac-7b03-aec3-b1faf8e3dba7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUE" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUE"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-77c5-9b2b-95b335fba312" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_019fec93-98ac-7583-a82a-670582095ab2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-77c5-9b2b-95b335fba312" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_019fec93-98ac-7583-a82a-670582095ab2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITY" xlink:type="simple" xlink:href="fcnca-20260930.xsd#STOCKHOLDERSEQUITY"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7b67-bf22-2bc6c9f8379a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_019fec93-9951-75ad-a4c8-5d2a0eb04a7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7b67-bf22-2bc6c9f8379a" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_019fec93-9951-75ad-a4c8-5d2a0eb04a7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOME" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOME"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7bf0-b16a-9c60409f55d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_019fec93-9951-77e9-94cb-184e8008076a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7bf0-b16a-9c60409f55d5" xlink:to="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_019fec93-9951-77e9-94cb-184e8008076a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/EARNINGSPERCOMMONSHARE" xlink:type="simple" xlink:href="fcnca-20260930.xsd#EARNINGSPERCOMMONSHARE"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/EARNINGSPERCOMMONSHARE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7393-bd21-8449ad74f280" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_019fec93-9951-798c-aaef-784929abf5e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7393-bd21-8449ad74f280" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_019fec93-9951-798c-aaef-784929abf5e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INCOMETAXES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INCOMETAXES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INCOMETAXES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_019fec93-9951-702a-b0f6-eea167176b9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_019fec93-9951-74fc-b628-378009c98410" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_019fec93-9951-702a-b0f6-eea167176b9c" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_019fec93-9951-74fc-b628-378009c98410" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/EMPLOYEEBENEFITPLANS" xlink:type="simple" xlink:href="fcnca-20260930.xsd#EMPLOYEEBENEFITPLANS"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/EMPLOYEEBENEFITPLANS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-71bd-b3b9-0f2f9dcce6c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_019fec93-9951-7d07-83ba-655a5a57c4c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-71bd-b3b9-0f2f9dcce6c2" xlink:to="loc_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_019fec93-9951-7d07-83ba-655a5a57c4c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SEGMENTINFORMATION" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SEGMENTINFORMATION"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SEGMENTINFORMATION" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-77f9-a724-cab7a2ab6b40" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_019fec93-9951-7b7a-94c5-647220cf831c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-77f9-a724-cab7a2ab6b40" xlink:to="loc_us-gaap_SegmentReportingDisclosureTextBlock_019fec93-9951-7b7a-94c5-647220cf831c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIES" xlink:type="simple" xlink:href="fcnca-20260930.xsd#COMMITMENTSANDCONTINGENCIES"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-7fa2-ab84-244c85a2018f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019fec93-9951-713e-90e0-110a052addb9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-7fa2-ab84-244c85a2018f" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019fec93-9951-713e-90e0-110a052addb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATIONPolicies" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATIONPolicies"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATIONPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsPolicy_01a183f9-8b45-7563-8c10-4885a1ce1f3a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationsPolicy"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:to="loc_us-gaap_BusinessCombinationsPolicy_01a183f9-8b45-7563-8c10-4885a1ce1f3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_019fec93-9816-77f3-ac19-2427c6bc0a7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_019fec93-9816-77f3-ac19-2427c6bc0a7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019fec93-9816-75d3-9299-cfe48c838360" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019fec93-9816-75d3-9299-cfe48c838360" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_019fec93-9816-7e67-b9c5-1e2e1111ee4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:to="loc_us-gaap_UseOfEstimates_019fec93-9816-7e67-b9c5-1e2e1111ee4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LoanSalesAndSecuritizationsPolicyPolicyTextBlock_019fec93-9816-7104-a31c-54c3bcee6e02" xlink:href="fcnca-20260930.xsd#fcnca_LoanSalesAndSecuritizationsPolicyPolicyTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:to="loc_fcnca_LoanSalesAndSecuritizationsPolicyPolicyTextBlock_019fec93-9816-7104-a31c-54c3bcee6e02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_019fec93-9816-7d2d-a94a-64322711fd86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019fec93-9816-7cfe-b942-e443a9473c4a" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_019fec93-9816-7d2d-a94a-64322711fd86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BUSINESSCOMBINATIONSTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-71b5-abb8-15ca84ead14a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_019fec93-9816-7ed9-a573-0024bf52c26c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-71b5-abb8-15ca84ead14a" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_019fec93-9816-7ed9-a573-0024bf52c26c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-709a-82e7-cda268f70a6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_019fec93-9816-79bb-9173-89e6fd4a8cc1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-709a-82e7-cda268f70a6b" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_019fec93-9816-79bb-9173-89e6fd4a8cc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_019fec93-9816-75ac-a48c-0b1fdb2ed26e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-709a-82e7-cda268f70a6b" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_019fec93-9816-75ac-a48c-0b1fdb2ed26e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndOtherIncomeTableTextBlock_019fec93-9816-79ae-a21c-7ea17d27e06f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndOtherIncomeTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-709a-82e7-cda268f70a6b" xlink:to="loc_us-gaap_InterestAndOtherIncomeTableTextBlock_019fec93-9816-79ae-a21c-7ea17d27e06f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_019fec93-9816-7623-97e6-1dcd4a791ed1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfRealizedGainLossTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-709a-82e7-cda268f70a6b" xlink:to="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_019fec93-9816-7623-97e6-1dcd4a791ed1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_019fec93-9816-73fd-a315-caa7775e287c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-709a-82e7-cda268f70a6b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_019fec93-9816-73fd-a315-caa7775e287c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ASSETSHELDFORSALETables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ASSETSHELDFORSALETables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ASSETSHELDFORSALETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-7c65-a177-2b79a4029842" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock_019fec93-9816-724c-bb8a-26296ca2df85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-7c65-a177-2b79a4029842" xlink:to="loc_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock_019fec93-9816-724c-bb8a-26296ca2df85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_019fec93-9816-7885-b2ac-7c50cb094c8d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_019fec93-9816-7885-b2ac-7c50cb094c8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ScheduleOfAmortizedCostOfLoansTableTextBlock_019fec93-9816-7edd-b05a-8b40c6415913" xlink:href="fcnca-20260930.xsd#fcnca_ScheduleOfAmortizedCostOfLoansTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:to="loc_fcnca_ScheduleOfAmortizedCostOfLoansTableTextBlock_019fec93-9816-7edd-b05a-8b40c6415913" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_019fec93-9816-7791-8af0-92b699495cf5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_019fec93-9816-7791-8af0-92b699495cf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_019fec93-9816-755d-8727-d990d8e79a7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:to="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_019fec93-9816-755d-8727-d990d8e79a7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_019fec93-9816-7193-83e5-2393f5893ccc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:to="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_019fec93-9816-7193-83e5-2393f5893ccc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_019fec93-9816-7e8d-84fb-df164f31b3d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7746-a96a-1a5d5c7ea7b9" xlink:to="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_019fec93-9816-7e8d-84fb-df164f31b3d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ALLOWANCEFORLOANANDLEASELOSSESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7c1d-b124-1db6667a6f4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_019fec93-98ab-7cec-ac1f-908064170074" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7c1d-b124-1db6667a6f4b" xlink:to="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_019fec93-98ab-7cec-ac1f-908064170074" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-781c-b25f-0dd0f3630ef3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AssetsandLiabilitiesLesseeTableTextBlock_019fec93-98ab-75d5-a19f-26ae3f77b2ee" xlink:href="fcnca-20260930.xsd#fcnca_AssetsandLiabilitiesLesseeTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-781c-b25f-0dd0f3630ef3" xlink:to="loc_fcnca_AssetsandLiabilitiesLesseeTableTextBlock_019fec93-98ab-75d5-a19f-26ae3f77b2ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock_019fec93-98ab-7e4e-9196-f01fdff3be8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-781c-b25f-0dd0f3630ef3" xlink:to="loc_us-gaap_LeaseCostTableTextBlock_019fec93-98ab-7e4e-9196-f01fdff3be8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ScheduleOfSupplementalCashFlowInformationLesseeTableTextBlock_019fec93-98ab-7c05-8f98-2cd0fc22221b" xlink:href="fcnca-20260930.xsd#fcnca_ScheduleOfSupplementalCashFlowInformationLesseeTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-781c-b25f-0dd0f3630ef3" xlink:to="loc_fcnca_ScheduleOfSupplementalCashFlowInformationLesseeTableTextBlock_019fec93-98ab-7c05-8f98-2cd0fc22221b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncomeTableTextBlock_019fec93-98ab-707c-9d3d-8726a1d4fbc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLeaseIncomeTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-781c-b25f-0dd0f3630ef3" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncomeTableTextBlock_019fec93-98ab-707c-9d3d-8726a1d4fbc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-7601-bb34-9a6bafc09d31" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGoodwillTextBlock_01a08224-fe10-74c2-94a6-a9655fccefbb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfGoodwillTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-7601-bb34-9a6bafc09d31" xlink:to="loc_us-gaap_ScheduleOfGoodwillTextBlock_01a08224-fe10-74c2-94a6-a9655fccefbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_019fec93-98ab-7b78-b549-54db55cc70fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-7601-bb34-9a6bafc09d31" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_019fec93-98ab-7b78-b549-54db55cc70fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_019fec93-98ab-7b30-84bd-9c010ca4eda1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-7601-bb34-9a6bafc09d31" xlink:to="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_019fec93-98ab-7b30-84bd-9c010ca4eda1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#VARIABLEINTERESTENTITIESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ab-781f-b5d0-a50c7a733c82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_019fec93-98ab-72ab-a630-7d79f5eb64c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ab-781f-b5d0-a50c7a733c82" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_019fec93-98ab-72ab-a630-7d79f5eb64c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BORROWINGSTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BORROWINGSTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BORROWINGSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7877-bfde-e3d84ae45d89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock_019fec93-98ac-7c87-8a88-ca7f80b76965" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDebtInstrumentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7877-bfde-e3d84ae45d89" xlink:to="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock_019fec93-98ac-7c87-8a88-ca7f80b76965" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-73d6-904b-7058399bde03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock_019fec93-98ac-7031-a0d7-bee4fcabb1f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-73d6-904b-7058399bde03" xlink:to="loc_us-gaap_OffsettingAssetsTableTextBlock_019fec93-98ac-7031-a0d7-bee4fcabb1f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_019fec93-98ac-72a2-89d7-8601ddf2fb2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-73d6-904b-7058399bde03" xlink:to="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_019fec93-98ac-72a2-89d7-8601ddf2fb2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_019fec93-98ac-7af7-a62f-834ebac644f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-73d6-904b-7058399bde03" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_019fec93-98ac-7af7-a62f-834ebac644f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_019fec93-98ac-730b-9fd5-14ac1a127a94" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-73d6-904b-7058399bde03" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_019fec93-98ac-730b-9fd5-14ac1a127a94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_019fec93-98ac-74f2-b7d7-994bddd58d8f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-73d6-904b-7058399bde03" xlink:to="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_019fec93-98ac-74f2-b7d7-994bddd58d8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUETables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUETables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_019fec93-98ac-7c3a-8f70-0a1824db1cbf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_019fec93-98ac-7c3a-8f70-0a1824db1cbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_019fec93-98ac-7081-a2a4-cdf4f29b1b05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_019fec93-98ac-7081-a2a4-cdf4f29b1b05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019fec93-98ac-75e1-80ec-1810d079f199" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019fec93-98ac-75e1-80ec-1810d079f199" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019fec93-98ac-7730-82db-673a4b09cd9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019fec93-98ac-7730-82db-673a4b09cd9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_019fec93-98ac-7ab7-9904-ee73f5fc412c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_019fec93-98ac-7ab7-9904-ee73f5fc412c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_019fec93-98ac-7c70-8698-2d489ba7dbce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_019fec93-98ac-7c70-8698-2d489ba7dbce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_019fec93-98ac-7466-8522-a804cd23c7ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7bc2-b83f-617db336ffc9" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_019fec93-98ac-7466-8522-a804cd23c7ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#STOCKHOLDERSEQUITYTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7747-8d0e-05bcdd3cfbc7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCommonStockOutstandingRollForwardTableTextBlock_019fec93-9951-7e8e-849a-96a911cc6676" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfCommonStockOutstandingRollForwardTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7747-8d0e-05bcdd3cfbc7" xlink:to="loc_us-gaap_ScheduleOfCommonStockOutstandingRollForwardTableTextBlock_019fec93-9951-7e8e-849a-96a911cc6676" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ScheduleOfPreferredStockAndDepositarySharesTableTextBlock_019fec93-9951-7c66-991e-c4b3d29b8b6b" xlink:href="fcnca-20260930.xsd#fcnca_ScheduleOfPreferredStockAndDepositarySharesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7747-8d0e-05bcdd3cfbc7" xlink:to="loc_fcnca_ScheduleOfPreferredStockAndDepositarySharesTableTextBlock_019fec93-9951-7c66-991e-c4b3d29b8b6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMETables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMETables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-76ae-9ec9-c49ac94cb17a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_019fec93-9951-70a7-b9fd-aa405024491a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-76ae-9ec9-c49ac94cb17a" xlink:to="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_019fec93-9951-70a7-b9fd-aa405024491a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/EARNINGSPERCOMMONSHARETables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#EARNINGSPERCOMMONSHARETables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/EARNINGSPERCOMMONSHARETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d15-bcda-33b926a4f156" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_019fec93-9951-7ce8-b7db-2f6a08ebce08" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d15-bcda-33b926a4f156" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_019fec93-9951-7ce8-b7db-2f6a08ebce08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/EMPLOYEEBENEFITPLANSTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#EMPLOYEEBENEFITPLANSTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/EMPLOYEEBENEFITPLANSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7ccf-a59b-2fa9376c3ad6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_019fec93-9951-780f-b259-abf87950a88b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7ccf-a59b-2fa9376c3ad6" xlink:to="loc_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_019fec93-9951-780f-b259-abf87950a88b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SEGMENTINFORMATIONTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SEGMENTINFORMATIONTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SEGMENTINFORMATIONTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-726d-9811-f2643611ddb2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019fec93-9951-7f9c-80e7-4c4158a10b52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-726d-9811-f2643611ddb2" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019fec93-9951-7f9c-80e7-4c4158a10b52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIESTables" xlink:type="simple" xlink:href="fcnca-20260930.xsd#COMMITMENTSANDCONTINGENCIESTables"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-7543-b660-c2f57500dea2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTextBlock_019fec93-9951-75dc-98f8-51d0fd31d085" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-7543-b660-c2f57500dea2" xlink:to="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTextBlock_019fec93-9951-75dc-98f8-51d0fd31d085" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATIONDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATIONDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SIGNIFICANTACCOUNTINGPOLICIESANDBASISOFPRESENTATIONDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_01a16678-f005-7307-a65b-7da133e0b3ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationTable_01a16679-4d6b-74df-bb79-c152223a6f81" xlink:href="fcnca-20260930.xsd#fcnca_SignificantAccountingPoliciesAndBasisOfPresentationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_01a16678-f005-7307-a65b-7da133e0b3ed" xlink:to="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationTable_01a16679-4d6b-74df-bb79-c152223a6f81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_01a16679-4d6b-7812-8716-c689fa2bf41b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationTable_01a16679-4d6b-74df-bb79-c152223a6f81" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_01a16679-4d6b-7812-8716-c689fa2bf41b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a16679-4d6b-7a28-9094-053dc635cf06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_01a16679-4d6b-7812-8716-c689fa2bf41b" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a16679-4d6b-7a28-9094-053dc635cf06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a16679-4d6b-791f-9e44-5c3a037c7e8d" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a16679-4d6b-7a28-9094-053dc635cf06" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a16679-4d6b-791f-9e44-5c3a037c7e8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationLineItems_01a16679-4d6b-79fe-8cb9-21e170910cd4" xlink:href="fcnca-20260930.xsd#fcnca_SignificantAccountingPoliciesAndBasisOfPresentationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationTable_01a16679-4d6b-74df-bb79-c152223a6f81" xlink:to="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationLineItems_01a16679-4d6b-79fe-8cb9-21e170910cd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationBranchesAcquired_01a16692-6c11-7876-9ac1-59af81b3f9f3" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationBranchesAcquired"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationLineItems_01a16679-4d6b-79fe-8cb9-21e170910cd4" xlink:to="loc_fcnca_BusinessCombinationBranchesAcquired_01a16692-6c11-7876-9ac1-59af81b3f9f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits_01a16679-4d6b-7766-a3b9-5fc391066fd4" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationLineItems_01a16679-4d6b-79fe-8cb9-21e170910cd4" xlink:to="loc_fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits_01a16679-4d6b-7766-a3b9-5fc391066fd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable_01a183a3-ee19-7acb-a3bd-5cf5b78f2fa2" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_SignificantAccountingPoliciesAndBasisOfPresentationLineItems_01a16679-4d6b-79fe-8cb9-21e170910cd4" xlink:to="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable_01a183a3-ee19-7acb-a3bd-5cf5b78f2fa2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BUSINESSCOMBINATIONSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-7686-8509-670db4e54cc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-70fd-bdbd-9542cab91ca6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-7686-8509-670db4e54cc6" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-70fd-bdbd-9542cab91ca6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019fec93-9816-7b67-95d0-442c95b8933f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-70fd-bdbd-9542cab91ca6" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019fec93-9816-7b67-95d0-442c95b8933f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdcf-2994-7063-a559-cbd61de91ccc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019fec93-9816-7b67-95d0-442c95b8933f" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdcf-2994-7063-a559-cbd61de91ccc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a0cdcf-2994-7a43-83bb-7c8bba4f8a52" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdcf-2994-7063-a559-cbd61de91ccc" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a0cdcf-2994-7a43-83bb-7c8bba4f8a52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SiliconValleyBridgeBankNAMember_01a0cdcf-6c4d-7d61-a5e1-9fd8fb9ad972" xlink:href="fcnca-20260930.xsd#fcnca_SiliconValleyBridgeBankNAMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdcf-2994-7063-a559-cbd61de91ccc" xlink:to="loc_fcnca_SiliconValleyBridgeBankNAMember_01a0cdcf-6c4d-7d61-a5e1-9fd8fb9ad972" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_01a0cdcf-6c4d-7633-b7b2-7ce17935c99a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-70fd-bdbd-9542cab91ca6" xlink:to="loc_us-gaap_DebtInstrumentAxis_01a0cdcf-6c4d-7633-b7b2-7ce17935c99a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_01a0cdcf-6c4d-7612-bc30-7420d964c366" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_01a0cdcf-6c4d-7633-b7b2-7ce17935c99a" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_01a0cdcf-6c4d-7612-bc30-7420d964c366" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_PurchaseMoneyNoteMember_01a0cdcf-6c4d-7645-8a33-87d9d789f040" xlink:href="fcnca-20260930.xsd#fcnca_PurchaseMoneyNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_01a0cdcf-6c4d-7612-bc30-7420d964c366" xlink:to="loc_fcnca_PurchaseMoneyNoteMember_01a0cdcf-6c4d-7645-8a33-87d9d789f040" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01a0cddb-ff7b-72f0-863a-c3591ca046fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-70fd-bdbd-9542cab91ca6" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01a0cddb-ff7b-72f0-863a-c3591ca046fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_01a0cddb-ff7b-757b-8d2d-89adaec9e4fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01a0cddb-ff7b-72f0-863a-c3591ca046fb" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_01a0cddb-ff7b-757b-8d2d-89adaec9e4fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_01a0cddb-ff7b-7f54-9502-f8af540f222e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_01a0cddb-ff7b-757b-8d2d-89adaec9e4fc" xlink:to="loc_us-gaap_CoreDepositsMember_01a0cddb-ff7b-7f54-9502-f8af540f222e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-70fd-bdbd-9542cab91ca6" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits_01a0cdcf-2994-7b7e-a0ea-b7111f88e44f" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits_01a0cdcf-2994-7b7e-a0ea-b7111f88e44f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable_01a183a2-6d04-7ae0-8c0e-695bd493f3b4" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable_01a183a2-6d04-7ae0-8c0e-695bd493f3b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredDepositPremium_01a0cdcf-2994-7da1-956f-4b08a8d690c9" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedAssetAcquiredDepositPremium"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredDepositPremium_01a0cdcf-2994-7da1-956f-4b08a8d690c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_01a18383-667f-7076-809c-bbdab7415705" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_Goodwill_01a18383-667f-7076-809c-bbdab7415705" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_01a1683e-11d4-748b-85b5-885e9c3f9412" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_01a1683e-11d4-748b-85b5-885e9c3f9412" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan_01a1683b-359b-766a-aa91-b36eea61964a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan_01a1683b-359b-766a-aa91-b36eea61964a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_01a183a5-aeeb-73be-bf72-bc41d354edfb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_01a183a5-aeeb-73be-bf72-bc41d354edfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_01a183a6-8798-7705-a492-50ec30eb023e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_01a183a6-8798-7705-a492-50ec30eb023e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_01a11b09-16e9-76fe-9965-d0f3b447b338" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_01a11b09-16e9-76fe-9965-d0f3b447b338" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTerm_01a11b09-33e9-7a95-9364-e2c6c96cdaff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTerm"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_DebtInstrumentTerm_01a11b09-33e9-7a95-9364-e2c6c96cdaff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayable_01a11b09-33e9-78c1-8341-850fb8e6cd46" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayable"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdcf-2994-7caf-befd-3369c51c909c" xlink:to="loc_us-gaap_NotesPayable_01a11b09-33e9-78c1-8341-850fb8e6cd46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSScheduleofBusinessAcquisitionsBMOAcquisitionDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BUSINESSCOMBINATIONSScheduleofBusinessAcquisitionsBMOAcquisitionDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSScheduleofBusinessAcquisitionsBMOAcquisitionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-7f76-b045-d016c90b6362" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-7d89-bfbd-6916d815d654" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_019fec93-9816-7f76-b045-d016c90b6362" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-7d89-bfbd-6916d815d654" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019fec93-9816-746b-85b0-be4555bb339e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-7d89-bfbd-6916d815d654" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019fec93-9816-746b-85b0-be4555bb339e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fec93-9816-794e-a5e0-d48656fde34d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019fec93-9816-746b-85b0-be4555bb339e" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fec93-9816-794e-a5e0-d48656fde34d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a0821f-b897-7bf3-aa79-0365937c6500" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fec93-9816-794e-a5e0-d48656fde34d" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a0821f-b897-7bf3-aa79-0365937c6500" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-9816-7814-acef-9291552fdbde" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-7d89-bfbd-6916d815d654" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-9816-7814-acef-9291552fdbde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-9816-7f98-b7e8-7b078ddd90da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-9816-7814-acef-9291552fdbde" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-9816-7f98-b7e8-7b078ddd90da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_019fec93-9816-7e09-a53f-60dbf413649f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-9816-7f98-b7e8-7b078ddd90da" xlink:to="loc_us-gaap_CoreDepositsMember_019fec93-9816-7e09-a53f-60dbf413649f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fec93-9816-7d89-bfbd-6916d815d654" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredDepositPremium_01a0cc85-f3d9-7369-8c8c-38084083538c" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedAssetAcquiredDepositPremium"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:to="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredDepositPremium_01a0cc85-f3d9-7369-8c8c-38084083538c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_01a0cdb8-5cce-765c-88eb-8ce41d29e1ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_01a0cdb8-5cce-765c-88eb-8ce41d29e1ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationInterestBearingDepositsInBanksAndOtherFinancialInstitutions_01a16689-d60e-799e-b2fa-078bcada3f28" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationInterestBearingDepositsInBanksAndOtherFinancialInstitutions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_fcnca_BusinessCombinationInterestBearingDepositsInBanksAndOtherFinancialInstitutions_01a16689-d60e-799e-b2fa-078bcada3f28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNetOfAllowanceForLoanAndLeaseLosses_01a0cd7f-3033-70d9-9cb9-2f6fe8bfb5d8" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNetOfAllowanceForLoanAndLeaseLosses"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_fcnca_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNetOfAllowanceForLoanAndLeaseLosses_01a0cd7f-3033-70d9-9cb9-2f6fe8bfb5d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment_019fec93-9816-7373-af43-78bf909f7434" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment_019fec93-9816-7373-af43-78bf909f7434" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_019fec93-9816-7da2-9f6f-6938616149c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_019fec93-9816-7da2-9f6f-6938616149c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_019fec93-9816-7ce0-8795-906df7a4514d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_019fec93-9816-7ce0-8795-906df7a4514d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019fec93-9816-7b94-8472-ad015ea4ca1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019fec93-9816-72e7-ad39-9e990a40ad77" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019fec93-9816-7b94-8472-ad015ea4ca1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019fec93-9816-7d97-a1ca-e7130901d77d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019fec93-9816-7d97-a1ca-e7130901d77d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits_01a0cdbc-9c29-710c-b44d-a4d1c668a38d" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019fec93-9816-7d97-a1ca-e7130901d77d" xlink:to="loc_fcnca_BusinessCombinationRecognizedLiabilityAssumedDeposits_01a0cdbc-9c29-710c-b44d-a4d1c668a38d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther_019fec93-9816-72a6-a907-a14950924f62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019fec93-9816-7d97-a1ca-e7130901d77d" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther_019fec93-9816-72a6-a907-a14950924f62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019fec93-9816-7c55-a75b-09905e04c389" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019fec93-9816-7d97-a1ca-e7130901d77d" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019fec93-9816-7c55-a75b-09905e04c389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_01a0cc85-6d02-74fb-a7a7-d242aac180e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_01a0cc85-6d02-74fb-a7a7-d242aac180e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_01a0821a-b016-72fe-98a6-b23af654f3d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fec93-9816-720d-b3a7-5431b1f0a325" xlink:to="loc_us-gaap_Goodwill_01a0821a-b016-72fe-98a6-b23af654f3d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSPSLActivityofBMOAcquisitionDateDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BUSINESSCOMBINATIONSPSLActivityofBMOAcquisitionDateDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BUSINESSCOMBINATIONSPSLActivityofBMOAcquisitionDateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_01a0cdc5-dfb0-7e32-9230-6bbe417d01c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_01a0cdc6-4a16-7a31-9166-e6dc33853235" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_01a0cdc5-dfb0-7e32-9230-6bbe417d01c8" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_01a0cdc6-4a16-7a31-9166-e6dc33853235" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_01a0cdc6-4a16-7899-89aa-1b069a783c49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_01a0cdc6-4a16-7a31-9166-e6dc33853235" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_01a0cdc6-4a16-7899-89aa-1b069a783c49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdc6-4a16-7ac5-b17f-b4374b6b2eb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_01a0cdc6-4a16-7899-89aa-1b069a783c49" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdc6-4a16-7ac5-b17f-b4374b6b2eb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a0cdc6-4a16-7288-858f-715f017fc656" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a0cdc6-4a16-7ac5-b17f-b4374b6b2eb1" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a0cdc6-4a16-7288-858f-715f017fc656" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_01a0cdc6-4a16-7a31-9166-e6dc33853235" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable_01a183a2-e1b1-7cb2-b653-156b7eb92133" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_fcnca_BusinessCombinationRecognizedAssetAcquiredFinancingReceivable_01a183a2-e1b1-7cb2-b653-156b7eb92133" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivablePurchasedWithCreditDeteriorationFairValueDiscount_01a16805-2e12-7f2a-8419-c5bd3a53158e" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivablePurchasedWithCreditDeteriorationFairValueDiscount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_fcnca_FinancingReceivablePurchasedWithCreditDeteriorationFairValueDiscount_01a16805-2e12-7f2a-8419-c5bd3a53158e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanPurchased_01a1683a-454b-7aae-806b-feff9d589ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanPurchased"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanPurchased_01a1683a-454b-7aae-806b-feff9d589ea5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_01a0cdc6-4a16-7745-834a-cb493f8bc647" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_01a0cdc6-4a16-7745-834a-cb493f8bc647" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAfterPurchasedSeasonalLoan_01a16836-115e-75ca-8513-b4b206df1548" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAfterPurchasedSeasonalLoan"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_fcnca_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAfterPurchasedSeasonalLoan_01a16836-115e-75ca-8513-b4b206df1548" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan_01a0cdc6-4a16-7b46-a18d-dade9bf39f27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan_01a0cdc6-4a16-7b46-a18d-dade9bf39f27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNetOfAllowanceForLoanAndLeaseLosses_01a0cdc6-4a16-7923-844a-7911254168f4" xlink:href="fcnca-20260930.xsd#fcnca_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNetOfAllowanceForLoanAndLeaseLosses"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_01a0cdc6-4a16-7bc4-ba50-70fb70d06a52" xlink:to="loc_fcnca_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableNetOfAllowanceForLoanAndLeaseLosses_01a0cdc6-4a16-7923-844a-7911254168f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofAmortizedCostandFairValueofInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESScheduleofAmortizedCostandFairValueofInvestmentSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofAmortizedCostandFairValueofInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-73dd-b5fe-c8eaa6243181" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7f24-aa29-ea50e691627d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-73dd-b5fe-c8eaa6243181" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7f24-aa29-ea50e691627d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-9816-739e-a65d-01b1c1bd3f5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7f24-aa29-ea50e691627d" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-9816-739e-a65d-01b1c1bd3f5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-9816-739e-a65d-01b1c1bd3f5a" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019fec93-9816-7b17-b6c5-5e41516f5f7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019fec93-9816-7b17-b6c5-5e41516f5f7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AgencySecuritiesMember_019fec93-9816-7895-affb-92e81e8ea1ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AgencySecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_AgencySecuritiesMember_019fec93-9816-7895-affb-92e81e8ea1ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-9816-766b-9cfe-d4cae07ef732" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-9816-766b-9cfe-d4cae07ef732" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-9816-7429-82f5-cb3e2cd05387" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-9816-7429-82f5-cb3e2cd05387" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019fec93-9816-77c3-8f34-7ceddf98c9fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019fec93-9816-77c3-8f34-7ceddf98c9fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_019fec93-9816-7717-a813-12fad41ca418" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_MunicipalBondsMember_019fec93-9816-7717-a813-12fad41ca418" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SupranationalSecuritiesMember_019fec93-9816-76ca-82a7-2a7fab0e0d24" xlink:href="fcnca-20260930.xsd#fcnca_SupranationalSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_fcnca_SupranationalSecuritiesMember_019fec93-9816-76ca-82a7-2a7fab0e0d24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-9816-7125-832a-6dd0e6c17c12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7da4-ae77-1660e753d7ad" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-9816-7125-832a-6dd0e6c17c12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-72ae-88d1-e4e0157ae23f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7f24-aa29-ea50e691627d" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-72ae-88d1-e4e0157ae23f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-789a-861c-3919dd6ea9b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-72ae-88d1-e4e0157ae23f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-789a-861c-3919dd6ea9b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7738-b82f-5cddfc60e3dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-789a-861c-3919dd6ea9b1" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7738-b82f-5cddfc60e3dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019fec93-9816-7943-a181-c0eb1b66a475" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-789a-861c-3919dd6ea9b1" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019fec93-9816-7943-a181-c0eb1b66a475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019fec93-9816-780b-a4da-14fb424cf81e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-789a-861c-3919dd6ea9b1" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019fec93-9816-780b-a4da-14fb424cf81e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9816-7c34-9566-3b4b58a2c9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-789a-861c-3919dd6ea9b1" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9816-7c34-9566-3b4b58a2c9e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFVNIAbstract_019fec93-9816-7cb1-b185-5c3798103580" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFVNIAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-72ae-88d1-e4e0157ae23f" xlink:to="loc_us-gaap_EquitySecuritiesFVNIAbstract_019fec93-9816-7cb1-b185-5c3798103580" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_019fec93-9816-7fc3-8f17-a09b8ee3720d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_019fec93-9816-7cb1-b185-5c3798103580" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_019fec93-9816-7fc3-8f17-a09b8ee3720d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_EquitySecuritiesFVNIAccumulatedGrossUnrealizedGainBeforeTax_019fec93-9816-7973-a3b4-db04b5a88960" xlink:href="fcnca-20260930.xsd#fcnca_EquitySecuritiesFVNIAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_019fec93-9816-7cb1-b185-5c3798103580" xlink:to="loc_fcnca_EquitySecuritiesFVNIAccumulatedGrossUnrealizedGainBeforeTax_019fec93-9816-7973-a3b4-db04b5a88960" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_EquitySecuritiesFVNIAccumulatedGrossUnrealizedLossBeforeTax_019fec93-9816-720b-a40f-bcadecd51280" xlink:href="fcnca-20260930.xsd#fcnca_EquitySecuritiesFVNIAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_019fec93-9816-7cb1-b185-5c3798103580" xlink:to="loc_fcnca_EquitySecuritiesFVNIAccumulatedGrossUnrealizedLossBeforeTax_019fec93-9816-720b-a40f-bcadecd51280" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_019fec93-9816-7274-b515-e11fb465bf48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_019fec93-9816-7cb1-b185-5c3798103580" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_019fec93-9816-7274-b515-e11fb465bf48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-7cf4-b7d6-ae86933162d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesClassifiedAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-72ae-88d1-e4e0157ae23f" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-7cf4-b7d6-ae86933162d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-71f7-8e63-a591b396e326" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-7cf4-b7d6-ae86933162d2" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-71f7-8e63-a591b396e326" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019fec93-9816-7036-84c7-47ff4866700b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-7cf4-b7d6-ae86933162d2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019fec93-9816-7036-84c7-47ff4866700b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019fec93-9816-75e1-97b8-f0281c6904b5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-7cf4-b7d6-ae86933162d2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019fec93-9816-75e1-97b8-f0281c6904b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019fec93-9816-7579-b880-a58435d433d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-7cf4-b7d6-ae86933162d2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019fec93-9816-7579-b880-a58435d433d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosureAbstract_019fec93-9816-7964-a3d8-f19f7a88297c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsFairValueDisclosureAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-72ae-88d1-e4e0157ae23f" xlink:to="loc_us-gaap_InvestmentsFairValueDisclosureAbstract_019fec93-9816-7964-a3d8-f19f7a88297c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentsAmortizedCost_019fec93-9816-7b8a-85ea-923202ed9267" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentsAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosureAbstract_019fec93-9816-7964-a3d8-f19f7a88297c" xlink:to="loc_fcnca_InvestmentsAmortizedCost_019fec93-9816-7b8a-85ea-923202ed9267" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentsAccumulatedUnrecognizedGain_019fec93-9816-7966-be69-25f4c51cabf6" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentsAccumulatedUnrecognizedGain"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosureAbstract_019fec93-9816-7964-a3d8-f19f7a88297c" xlink:to="loc_fcnca_InvestmentsAccumulatedUnrecognizedGain_019fec93-9816-7966-be69-25f4c51cabf6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentsAccumulatedUnrecognizedLoss_019fec93-9816-78e7-9f9a-4387ea45e0e3" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentsAccumulatedUnrecognizedLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosureAbstract_019fec93-9816-7964-a3d8-f19f7a88297c" xlink:to="loc_fcnca_InvestmentsAccumulatedUnrecognizedLoss_019fec93-9816-78e7-9f9a-4387ea45e0e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_019fec93-9816-76ea-9a94-0e99a31047df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosureAbstract_019fec93-9816-7964-a3d8-f19f7a88297c" xlink:to="loc_us-gaap_InvestmentsFairValueDisclosure_019fec93-9816-76ea-9a94-0e99a31047df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-754c-abd4-9ccaf7ef7362" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-754c-abd4-9ccaf7ef7362" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_019fec93-9816-75f1-b66f-ba350674a8f6" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_019fec93-9816-75f1-b66f-ba350674a8f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_019fec93-9816-705d-af5f-a7b5dc39afaf" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_019fec93-9816-75f1-b66f-ba350674a8f6" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_019fec93-9816-705d-af5f-a7b5dc39afaf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_VisaIncMember_019fec93-9816-7bb1-8778-27fde0236e12" xlink:href="fcnca-20260930.xsd#fcnca_VisaIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_019fec93-9816-705d-af5f-a7b5dc39afaf" xlink:to="loc_fcnca_VisaIncMember_019fec93-9816-7bb1-8778-27fde0236e12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9816-73ae-899e-a9f9625246f5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9816-73ae-899e-a9f9625246f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9816-7a66-b18d-edca66e69348" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9816-73ae-899e-a9f9625246f5" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9816-7a66-b18d-edca66e69348" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9816-74cb-947f-fefda9e3ecb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9816-7a66-b18d-edca66e69348" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9816-74cb-947f-fefda9e3ecb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommonClassB1Member_019fec93-9816-7df8-98fa-3a0e90931f67" xlink:href="fcnca-20260930.xsd#fcnca_CommonClassB1Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9816-7a66-b18d-edca66e69348" xlink:to="loc_fcnca_CommonClassB1Member_019fec93-9816-7df8-98fa-3a0e90931f67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7c7b-8422-9f81ef634dbe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7c7b-8422-9f81ef634dbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7351-b02f-0c46070e252a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7c7b-8422-9f81ef634dbe" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7351-b02f-0c46070e252a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-77f8-bfb2-7cbeddd17231" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7351-b02f-0c46070e252a" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-77f8-bfb2-7cbeddd17231" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-736a-b1c9-9b5de93e892e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-736a-b1c9-9b5de93e892e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7485-9030-26030c0533c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-736a-b1c9-9b5de93e892e" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7485-9030-26030c0533c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_019fec93-9816-783f-a35e-211456f70b05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7485-9030-26030c0533c8" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_019fec93-9816-783f-a35e-211456f70b05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-9816-7f10-bb57-c8b4c6bce066" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7485-9030-26030c0533c8" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-9816-7f10-bb57-c8b4c6bce066" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019fec93-9816-73cc-a52e-e22b19e330a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_us-gaap_PledgedStatusAxis_019fec93-9816-73cc-a52e-e22b19e330a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019fec93-9816-7441-ae64-40ede5332ecb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_019fec93-9816-73cc-a52e-e22b19e330a9" xlink:to="loc_us-gaap_PledgedStatusDomain_019fec93-9816-7441-ae64-40ede5332ecb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019fec93-9816-71d9-9e34-9cc564da9ece" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_019fec93-9816-7441-ae64-40ede5332ecb" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019fec93-9816-71d9-9e34-9cc564da9ece" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-9816-7eba-90ac-57f76f20daf0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-9816-7eba-90ac-57f76f20daf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7103-8818-1bb544994f6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-9816-7eba-90ac-57f76f20daf0" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7103-8818-1bb544994f6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-9816-76d9-84f1-051c609be25f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9816-7103-8818-1bb544994f6a" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-9816-76d9-84f1-051c609be25f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingStandardPoorsAxis_019fec93-9816-70f5-b052-3608d0d9e25c" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CreditRatingStandardPoorsAxis"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_srt_CreditRatingStandardPoorsAxis_019fec93-9816-70f5-b052-3608d0d9e25c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_019fec93-9816-7e8e-9c16-050a68e4308e" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_019fec93-9816-70f5-b052-3608d0d9e25c" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_019fec93-9816-7e8e-9c16-050a68e4308e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_StandardPoorsAAAOrAARatingMember_019fec93-9816-7981-b68d-56a250ceaafa" xlink:href="fcnca-20260930.xsd#fcnca_StandardPoorsAAAOrAARatingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_019fec93-9816-7e8e-9c16-050a68e4308e" xlink:to="loc_fcnca_StandardPoorsAAAOrAARatingMember_019fec93-9816-7981-b68d-56a250ceaafa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7809-88ac-d15f94b36afe" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-74ad-857c-bb20749dd58a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-74ad-857c-bb20749dd58a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9816-7db5-8fe5-6dacafb71eec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9816-7db5-8fe5-6dacafb71eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceShares_019fec93-9816-7be1-a87f-e94c065b0d91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentOwnedBalanceShares"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_InvestmentOwnedBalanceShares_019fec93-9816-7be1-a87f-e94c065b0d91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7363-ab4e-c3427ad44e60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7363-ab4e-c3427ad44e60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7797-89c5-d3c72fd90dca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7797-89c5-d3c72fd90dca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DebtSecuritiesWriteOffOfAccruedInterestReceivable_019fec93-9816-70c8-873a-25b4e974e7b0" xlink:href="fcnca-20260930.xsd#fcnca_DebtSecuritiesWriteOffOfAccruedInterestReceivable"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_fcnca_DebtSecuritiesWriteOffOfAccruedInterestReceivable_019fec93-9816-70c8-873a-25b4e974e7b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityThresholdPeriodPastDue_019fec93-9816-7e3b-8ea6-8bae198625cd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityThresholdPeriodPastDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityThresholdPeriodPastDue_019fec93-9816-7e3b-8ea6-8bae198625cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-744e-b5a9-550ec13bc968" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-744e-b5a9-550ec13bc968" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_019fec93-9816-70e6-b748-cd4bca0e1313" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_019fec93-9816-70e6-b748-cd4bca0e1313" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019fec93-9816-7015-8d30-cef2c1ef8bfd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019fec93-9816-7015-8d30-cef2c1ef8bfd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityNonaccrual_019fec93-9816-7607-a43e-fae60312d01a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityNonaccrual"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityNonaccrual_019fec93-9816-7607-a43e-fae60312d01a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturity_019fec93-9816-7dc6-80c2-e2e595273580" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturity"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturity_019fec93-9816-7dc6-80c2-e2e595273580" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleListNotDisclosedFlag_019fec93-9816-7ad9-8fec-43fcecc400ed" xlink:href="fcnca-20260930.xsd#fcnca_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleListNotDisclosedFlag"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7bd3-82cc-0eb03b3fcd66" xlink:to="loc_fcnca_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleListNotDisclosedFlag_019fec93-9816-7ad9-8fec-43fcecc400ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofInvestmentSecuritiesMaturityInformationDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESScheduleofInvestmentSecuritiesMaturityInformationDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofInvestmentSecuritiesMaturityInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7288-827b-9947f7c36074" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7315-b691-fbeaa079bc6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7288-827b-9947f7c36074" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7315-b691-fbeaa079bc6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-7b05-a678-009842938b22" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7315-b691-fbeaa079bc6a" xlink:to="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-7b05-a678-009842938b22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-714a-a84d-51b6613f5538" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-7b05-a678-009842938b22" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-714a-a84d-51b6613f5538" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AgencySecuritiesMember_019fec93-9816-7874-bbff-8b7af2cbf434" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AgencySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-714a-a84d-51b6613f5538" xlink:to="loc_us-gaap_AgencySecuritiesMember_019fec93-9816-7874-bbff-8b7af2cbf434" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-9816-74bd-a952-694b523efcaf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-714a-a84d-51b6613f5538" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-9816-74bd-a952-694b523efcaf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-9816-77e8-91c6-d6236a212a4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-714a-a84d-51b6613f5538" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-9816-77e8-91c6-d6236a212a4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-9816-79d4-a062-374db85136df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-714a-a84d-51b6613f5538" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-9816-79d4-a062-374db85136df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7429-9986-946c62ca20ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7315-b691-fbeaa079bc6a" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7429-9986-946c62ca20ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7429-9986-946c62ca20ec" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019fec93-9816-7fe8-9a4d-5949f97f89cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019fec93-9816-7fe8-9a4d-5949f97f89cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019fec93-9816-79e4-aff1-007b87d5ea43" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019fec93-9816-79e4-aff1-007b87d5ea43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019fec93-9816-74dc-be72-920256f02a2d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019fec93-9816-74dc-be72-920256f02a2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019fec93-9816-752c-b279-a09512cb9397" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019fec93-9816-752c-b279-a09512cb9397" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019fec93-9816-7f71-9a0c-9bf996ee645f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019fec93-9816-7f71-9a0c-9bf996ee645f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7bf3-a5c2-c64e8ac4d854" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7bf3-a5c2-c64e8ac4d854" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019fec93-9816-73f8-84a0-4b6b148a1644" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019fec93-9816-73f8-84a0-4b6b148a1644" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019fec93-9816-7c3a-9d02-4266e4a28593" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019fec93-9816-7c3a-9d02-4266e4a28593" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019fec93-9816-7e7a-b406-6a31a157752a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019fec93-9816-7e7a-b406-6a31a157752a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019fec93-9816-7174-897c-44cda59f9256" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019fec93-9816-7174-897c-44cda59f9256" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019fec93-9816-7aa9-b808-2f30977b9252" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019fec93-9816-7aa9-b808-2f30977b9252" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9816-78ce-9a20-4c40f3120615" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-791d-aeed-8f42c620995b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9816-78ce-9a20-4c40f3120615" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesClassifiedAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-7429-9986-946c62ca20ec" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate_019fec93-9816-7907-a607-7ef762c43c24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate_019fec93-9816-7907-a607-7ef762c43c24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_019fec93-9816-7028-97c1-9ff3305b939f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_019fec93-9816-7028-97c1-9ff3305b939f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_019fec93-9816-7767-b534-1047d7153aae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_019fec93-9816-7767-b534-1047d7153aae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateNetCarryingAmount_019fec93-9816-7093-9036-b2ab8cedfc90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateNetCarryingAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateNetCarryingAmount_019fec93-9816-7093-9036-b2ab8cedfc90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7bc6-bf64-5501820665a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7bc6-bf64-5501820665a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019fec93-9816-7f28-b4e8-fa2429882ed4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019fec93-9816-7f28-b4e8-fa2429882ed4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019fec93-9816-7f0e-b989-2bff076a326d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019fec93-9816-7f0e-b989-2bff076a326d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019fec93-9816-71a0-bc93-01ff584ddbc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019fec93-9816-71a0-bc93-01ff584ddbc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019fec93-9816-7987-a246-7747507aa4c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019fec93-9816-7987-a246-7747507aa4c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019fec93-9816-737f-8dff-0440b6f1dfc7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_019fec93-9816-76f7-9edc-f9c8a79c43af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019fec93-9816-737f-8dff-0440b6f1dfc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofInterestandDividendsonInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESScheduleofInterestandDividendsonInvestmentSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofInterestandDividendsonInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7753-912e-4026b3c8e683" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestIncomeInvestmentSecuritiesOperatingTaxable_019fec93-9816-7d70-afdb-eca6e2b98663" xlink:href="fcnca-20260930.xsd#fcnca_InterestIncomeInvestmentSecuritiesOperatingTaxable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7753-912e-4026b3c8e683" xlink:to="loc_fcnca_InterestIncomeInvestmentSecuritiesOperatingTaxable_019fec93-9816-7d70-afdb-eca6e2b98663" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestIncomeInvestmentSecuritiesOperatingTaxExempt_01a0810c-3298-7983-8710-c3b5375b6154" xlink:href="fcnca-20260930.xsd#fcnca_InterestIncomeInvestmentSecuritiesOperatingTaxExempt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7753-912e-4026b3c8e683" xlink:to="loc_fcnca_InterestIncomeInvestmentSecuritiesOperatingTaxExempt_01a0810c-3298-7983-8710-c3b5375b6154" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeEquitySecuritiesOperating_019fec93-9816-7482-82da-a89207cecdfe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendIncomeEquitySecuritiesOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7753-912e-4026b3c8e683" xlink:to="loc_us-gaap_DividendIncomeEquitySecuritiesOperating_019fec93-9816-7482-82da-a89207cecdfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxable_019fec93-9816-7dda-aab2-97a263dab5ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeSecuritiesTaxable"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7753-912e-4026b3c8e683" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxable_019fec93-9816-7dda-aab2-97a263dab5ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofRealizedGainsandLossesfromAvailableforsaleSecuritiesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESScheduleofRealizedGainsandLossesfromAvailableforsaleSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofRealizedGainsandLossesfromAvailableforsaleSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7d5b-a73f-5feb0853bd1e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_019fec93-9816-7058-8882-bc31f9b15a18" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7d5b-a73f-5feb0853bd1e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_019fec93-9816-7058-8882-bc31f9b15a18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_019fec93-9816-782d-a0d2-0fcf9adac19a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7d5b-a73f-5feb0853bd1e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_019fec93-9816-782d-a0d2-0fcf9adac19a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019fec93-9816-7050-a08c-2f3d6bc560a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7d5b-a73f-5feb0853bd1e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019fec93-9816-7050-a08c-2f3d6bc560a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingRealizedGain_019fec93-9816-7ef0-958d-c40a16b11174" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesTradingRealizedGain"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7d5b-a73f-5feb0853bd1e" xlink:to="loc_us-gaap_DebtSecuritiesTradingRealizedGain_019fec93-9816-7ef0-958d-c40a16b11174" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesRealizedGainLoss_019fec93-9816-799f-ba67-a7164e6681ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesRealizedGainLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7d5b-a73f-5feb0853bd1e" xlink:to="loc_us-gaap_DebtSecuritiesRealizedGainLoss_019fec93-9816-799f-ba67-a7164e6681ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofInvestmentSecuritiesAvailableForSaleDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INVESTMENTSECURITIESScheduleofInvestmentSecuritiesAvailableForSaleDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INVESTMENTSECURITIESScheduleofInvestmentSecuritiesAvailableForSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7a9d-9d11-26f9d85ecc82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7a08-99b9-523644508c39" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019fec93-9816-7a9d-9d11-26f9d85ecc82" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7a08-99b9-523644508c39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-7c18-9725-2ef9296c5a96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7a08-99b9-523644508c39" xlink:to="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-7c18-9725-2ef9296c5a96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019fec93-9816-7c18-9725-2ef9296c5a96" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019fec93-9816-795e-a7b4-155c3c2c98e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019fec93-9816-795e-a7b4-155c3c2c98e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AgencySecuritiesMember_019fec93-9816-7393-8fdc-80ab91a1a1b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AgencySecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:to="loc_us-gaap_AgencySecuritiesMember_019fec93-9816-7393-8fdc-80ab91a1a1b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-9816-7afc-80d4-e37095384be4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-9816-7afc-80d4-e37095384be4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-9816-7404-aeb8-3433c9fd9a7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-9816-7404-aeb8-3433c9fd9a7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-9816-76db-a02d-23d93c64cb99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-9816-76db-a02d-23d93c64cb99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_01a1564a-6cc6-7944-a0c1-da6be99120ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-9816-7b52-a6da-567cf8fe15e8" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_01a1564a-6cc6-7944-a0c1-da6be99120ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-76ac-ab5b-c270d5513300" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019fec93-9816-7a08-99b9-523644508c39" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-76ac-ab5b-c270d5513300" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019fec93-9816-76ac-ab5b-c270d5513300" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019fec93-9816-7b13-a166-8f75bfe9adf0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019fec93-9816-7b13-a166-8f75bfe9adf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019fec93-9816-70b3-9f0c-9dd00b69ce06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019fec93-9816-70b3-9f0c-9dd00b69ce06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019fec93-9816-7d59-8418-9fdcba2fe780" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019fec93-9816-7d59-8418-9fdcba2fe780" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019fec93-9816-7ab4-b8ad-237db75d63df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019fec93-9816-7ab4-b8ad-237db75d63df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019fec93-9816-7853-8be8-1da5fcc0878a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019fec93-9816-7853-8be8-1da5fcc0878a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019fec93-9816-7a3f-b24d-d1c091c49ff6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019fec93-9816-7f1e-9f83-5f26d2e40b1c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019fec93-9816-7a3f-b24d-d1c091c49ff6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ASSETSHELDFORSALEScheduleofAssetsHeldForSaleDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ASSETSHELDFORSALEScheduleofAssetsHeldForSaleDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ASSETSHELDFORSALEScheduleofAssetsHeldForSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-793a-a72d-dada0678a9f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-7074-89a0-85ff77bb4c6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-793a-a72d-dada0678a9f7" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-7074-89a0-85ff77bb4c6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-9816-7d44-ae34-a58127c8997b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-7074-89a0-85ff77bb4c6d" xlink:to="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-9816-7d44-ae34-a58127c8997b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-9816-7ed7-974e-c0b5ebb92784" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-9816-7d44-ae34-a58127c8997b" xlink:to="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-9816-7ed7-974e-c0b5ebb92784" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019fec93-9816-7899-a320-8645c64b86ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-9816-7ed7-974e-c0b5ebb92784" xlink:to="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019fec93-9816-7899-a320-8645c64b86ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7775-baf6-9c6859d35235" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-7074-89a0-85ff77bb4c6d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7775-baf6-9c6859d35235" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7013-b7ce-c00a1d76702c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7775-baf6-9c6859d35235" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7013-b7ce-c00a1d76702c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7d21-9b7d-36f8f62c9f79" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7013-b7ce-c00a1d76702c" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7d21-9b7d-36f8f62c9f79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-785c-b55d-de1b7119a86a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7013-b7ce-c00a1d76702c" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-785c-b55d-de1b7119a86a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-7ca8-a191-494001d56ca5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-7074-89a0-85ff77bb4c6d" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-7ca8-a191-494001d56ca5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_019fec93-9816-765b-8b5b-4901f8eb3d25" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-7ca8-a191-494001d56ca5" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_019fec93-9816-765b-8b5b-4901f8eb3d25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OperatingLeaseEquipmentHeldForSale_019fec93-9816-70ba-b5a0-fda935e61046" xlink:href="fcnca-20260930.xsd#fcnca_OperatingLeaseEquipmentHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-7ca8-a191-494001d56ca5" xlink:to="loc_fcnca_OperatingLeaseEquipmentHeldForSale_019fec93-9816-70ba-b5a0-fda935e61046" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup_019fec93-9816-71b3-ac89-95c57dd8773b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-7ca8-a191-494001d56ca5" xlink:to="loc_us-gaap_AssetsHeldForSaleNotPartOfDisposalGroup_019fec93-9816-71b3-ac89-95c57dd8773b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_019fec93-9816-77ca-a7b7-8e5a91e2b64b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-7ca8-a191-494001d56ca5" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_019fec93-9816-77ca-a7b7-8e5a91e2b64b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ASSETSHELDFORSALENarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ASSETSHELDFORSALENarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ASSETSHELDFORSALENarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-7f57-9b3b-146414b8a0e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-71c5-8bd9-303542ab7937" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019fec93-9816-7f57-9b3b-146414b8a0e2" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-71c5-8bd9-303542ab7937" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-9816-79c9-97c3-389aefc2dc65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-71c5-8bd9-303542ab7937" xlink:to="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-9816-79c9-97c3-389aefc2dc65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-9816-764f-8544-0042b1546202" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-9816-79c9-97c3-389aefc2dc65" xlink:to="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-9816-764f-8544-0042b1546202" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019fec93-9816-7e0f-ae25-31941cd5ff63" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-9816-764f-8544-0042b1546202" xlink:to="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019fec93-9816-7e0f-ae25-31941cd5ff63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7257-b329-80673b812373" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-71c5-8bd9-303542ab7937" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7257-b329-80673b812373" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-78a5-a193-2bb967153ea7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7257-b329-80673b812373" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-78a5-a193-2bb967153ea7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7311-9b25-4c99b918cf50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-78a5-a193-2bb967153ea7" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7311-9b25-4c99b918cf50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7ddc-9cc4-e147986cd02e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-78a5-a193-2bb967153ea7" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7ddc-9cc4-e147986cd02e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-74e8-87e3-3dc632cf0128" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019fec93-9816-71c5-8bd9-303542ab7937" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-74e8-87e3-3dc632cf0128" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_019fec93-9816-7ca4-be2d-05eeaa49be2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-74e8-87e3-3dc632cf0128" xlink:to="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_019fec93-9816-7ca4-be2d-05eeaa49be2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_019fec93-9816-71a4-b641-2af221997301" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019fec93-9816-74e8-87e3-3dc632cf0128" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_019fec93-9816-71a4-b641-2af221997301" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansbyClassDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofLoansbyClassDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansbyClassDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7f9d-b42c-626f9cb44ca6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-752b-b238-d0012bd635c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7f9d-b42c-626f9cb44ca6" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-752b-b238-d0012bd635c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7696-ac72-7484f26164ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-752b-b238-d0012bd635c0" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7696-ac72-7484f26164ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7b24-a6a5-af12d651eb61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7696-ac72-7484f26164ae" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7b24-a6a5-af12d651eb61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7227-a92b-866da87d0734" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7b24-a6a5-af12d651eb61" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7227-a92b-866da87d0734" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7235-a6c3-2f8e44a965b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7b24-a6a5-af12d651eb61" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7235-a6c3-2f8e44a965b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-72aa-a856-2d629fbd911c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-752b-b238-d0012bd635c0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-72aa-a856-2d629fbd911c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-72aa-a856-2d629fbd911c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-732e-8a46-69db5e90faf5" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-732e-8a46-69db5e90faf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-789c-982c-fd7e383a0ac2" xlink:href="fcnca-20260930.xsd#fcnca_CapitalCallLinesLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-789c-982c-fd7e383a0ac2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-71f4-922f-b1653468a5cb" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-71f4-922f-b1653468a5cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-7489-a2e7-44f4ec997cf8" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-7489-a2e7-44f4ec997cf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-76c6-b3e3-a35515575d68" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-76c6-b3e3-a35515575d68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7206-a0b7-70adafb1789a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7206-a0b7-70adafb1789a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-78e4-8a7d-56b3fbd22985" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-78e4-8a7d-56b3fbd22985" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7206-838c-184dd348ed3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7206-838c-184dd348ed3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-737e-9d1c-3b969d002367" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7162-82d4-5ef5f98f520f" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-737e-9d1c-3b969d002367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7300-a47c-d8ae767400e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-752b-b238-d0012bd635c0" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7300-a47c-d8ae767400e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-79de-b0be-e6a0f719177b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7300-a47c-d8ae767400e9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-79de-b0be-e6a0f719177b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7fb3-9227-7075a3c2cdf4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7fb3-9227-7075a3c2cdf4" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-79d1-ae59-c40a726493f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-79d1-ae59-c40a726493f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7d71-82a4-17ec88904480" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-79d1-ae59-c40a726493f2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7d71-82a4-17ec88904480" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_019fec93-9816-708c-a2b6-7a59fc3f15e8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7d71-82a4-17ec88904480" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_019fec93-9816-708c-a2b6-7a59fc3f15e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019fec93-9816-70f8-99be-50ec0af15df6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:to="loc_us-gaap_DebtInstrumentAxis_019fec93-9816-70f8-99be-50ec0af15df6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019fec93-9816-72af-a245-9b66420fc9fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019fec93-9816-70f8-99be-50ec0af15df6" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019fec93-9816-72af-a245-9b66420fc9fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherSecuredDebtMember_019fec93-9816-764b-b11d-85878b594b75" xlink:href="fcnca-20260930.xsd#fcnca_OtherSecuredDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-9816-72af-a245-9b66420fc9fa" xlink:to="loc_fcnca_OtherSecuredDebtMember_019fec93-9816-764b-b11d-85878b594b75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_019fec93-9816-7aed-91ea-dbe793b0c00a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_019fec93-9816-7aed-91ea-dbe793b0c00a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_019fec93-9816-77cf-b585-7b7964682e51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityLenderDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_019fec93-9816-7aed-91ea-dbe793b0c00a" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_019fec93-9816-77cf-b585-7b7964682e51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalReserveBankOfRichmondMember_019fec93-9816-7271-91c4-6f29c0da1025" xlink:href="fcnca-20260930.xsd#fcnca_FederalReserveBankOfRichmondMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_019fec93-9816-77cf-b585-7b7964682e51" xlink:to="loc_fcnca_FederalReserveBankOfRichmondMember_019fec93-9816-7271-91c4-6f29c0da1025" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019fec93-9816-79bd-af7b-25380d3c6fad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019fec93-9816-79bd-af7b-25380d3c6fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019fec93-9816-7d41-9aea-d93e6d0da622" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019fec93-9816-79bd-af7b-25380d3c6fad" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019fec93-9816-7d41-9aea-d93e6d0da622" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_019fec93-9816-7122-98ab-a4170e0c3a33" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019fec93-9816-7d41-9aea-d93e6d0da622" xlink:to="loc_us-gaap_SecuredDebtMember_019fec93-9816-7122-98ab-a4170e0c3a33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-76cd-ba25-6b8ddb3c0da4" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7db4-b270-dce9f4e700b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7db4-b270-dce9f4e700b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_019fec93-9816-7390-b017-cd146532cf24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_019fec93-9816-7db4-b270-dce9f4e700b7" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_019fec93-9816-7390-b017-cd146532cf24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableAmortizationOfPurchaseDiscount_019fec93-9816-754c-aa6a-a88fd0a67bea" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableAmortizationOfPurchaseDiscount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:to="loc_fcnca_FinancingReceivableAmortizationOfPurchaseDiscount_019fec93-9816-754c-aa6a-a88fd0a67bea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019fec93-9816-735a-ae61-f351af156b27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherRealEstateAndForeclosedAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:to="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019fec93-9816-735a-ae61-f351af156b27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_019fec93-9816-701a-b6a8-3b210ce73845" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_019fec93-9816-701a-b6a8-3b210ce73845" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_019fec93-9816-7b17-9c5d-5af289ba5b8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:to="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_019fec93-9816-7b17-9c5d-5af289ba5b8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCredit_019fec93-9816-703f-a410-a7e519052e71" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCredit"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-711a-81d8-588839fe5108" xlink:to="loc_us-gaap_LineOfCredit_019fec93-9816-703f-a410-a7e519052e71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofAmortizedCostofLoansDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofAmortizedCostofLoansDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofAmortizedCostofLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-73e7-9413-cb5a65697032" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7911-a72b-5ed7b66a3075" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-73e7-9413-cb5a65697032" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7911-a72b-5ed7b66a3075" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019fec93-9816-7b0c-8b66-0d02a554f75f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7911-a72b-5ed7b66a3075" xlink:to="loc_us-gaap_CreditLossStatusAxis_019fec93-9816-7b0c-8b66-0d02a554f75f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-7204-bace-1a010d21ba88" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019fec93-9816-7b0c-8b66-0d02a554f75f" xlink:to="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-7204-bace-1a010d21ba88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019fec93-9816-7c1c-901e-ecc9c6f89b4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-7204-bace-1a010d21ba88" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019fec93-9816-7c1c-901e-ecc9c6f89b4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019fec93-9816-7371-ac34-7fa1d8b4408e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-7204-bace-1a010d21ba88" xlink:to="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019fec93-9816-7371-ac34-7fa1d8b4408e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7f49-bb33-3aa3914e824d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7911-a72b-5ed7b66a3075" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7f49-bb33-3aa3914e824d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableUnamortizedLoanFeeCost_019fec93-9816-7fdc-8913-72fb814c4444" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableUnamortizedLoanFeeCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7f49-bb33-3aa3914e824d" xlink:to="loc_us-gaap_FinancingReceivableUnamortizedLoanFeeCost_019fec93-9816-7fdc-8913-72fb814c4444" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount_019fec93-9816-7dd2-b69a-d711ab1d6c52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7f49-bb33-3aa3914e824d" xlink:to="loc_us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount_019fec93-9816-7dd2-b69a-d711ab1d6c52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansandLeasesDelinquencyStatusDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofLoansandLeasesDelinquencyStatusDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansandLeasesDelinquencyStatusDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7fa0-8078-89e0ebdd08fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-75a4-a915-68454af526e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7fa0-8078-89e0ebdd08fa" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-75a4-a915-68454af526e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-71d6-8294-81d9e4dd2074" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-75a4-a915-68454af526e5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-71d6-8294-81d9e4dd2074" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7873-b8fe-ab7b166f61e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-71d6-8294-81d9e4dd2074" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7873-b8fe-ab7b166f61e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-79bd-8357-f45f4b690b2e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7873-b8fe-ab7b166f61e1" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-79bd-8357-f45f4b690b2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7867-b28c-5bf74d9aa97f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7873-b8fe-ab7b166f61e1" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7867-b28c-5bf74d9aa97f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7db2-929d-67ffb337e5a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-75a4-a915-68454af526e5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7db2-929d-67ffb337e5a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7db2-929d-67ffb337e5a5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-7a26-804f-7ea334e25f7c" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-7a26-804f-7ea334e25f7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-7eec-a150-6653a8b4ab79" xlink:href="fcnca-20260930.xsd#fcnca_CapitalCallLinesLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-7eec-a150-6653a8b4ab79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-7b41-b5eb-46c64c48b05f" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-7b41-b5eb-46c64c48b05f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-7096-908f-d8f8fdef8a23" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-7096-908f-d8f8fdef8a23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7c0b-895a-dbe72b05ad33" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7c0b-895a-dbe72b05ad33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7dbd-a097-d9e77bf5e25b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7dbd-a097-d9e77bf5e25b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7be7-bb5f-538fdbdf3670" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7be7-bb5f-538fdbdf3670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7357-b394-0199755313b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7357-b394-0199755313b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7518-ad77-76becfd8d4ac" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7608-b2b4-3fe4a724b6c6" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7518-ad77-76becfd8d4ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7481-abf5-f54d03b4f2ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-75a4-a915-68454af526e5" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7481-abf5-f54d03b4f2ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-722b-9e9a-a8bcf3416b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7481-abf5-f54d03b4f2ed" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-722b-9e9a-a8bcf3416b1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-7261-9818-64de7f38aa41" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-722b-9e9a-a8bcf3416b1f" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-7261-9818-64de7f38aa41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fec93-9816-7fa5-b775-ec3e9ff8fc49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-7261-9818-64de7f38aa41" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fec93-9816-7fa5-b775-ec3e9ff8fc49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fec93-9816-7a3e-afcd-c5f5591b069e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-7261-9818-64de7f38aa41" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fec93-9816-7a3e-afcd-c5f5591b069e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019fec93-9816-7ed1-a0d0-4cfff13fec92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019fec93-9816-7261-9818-64de7f38aa41" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019fec93-9816-7ed1-a0d0-4cfff13fec92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019fec93-9816-7d49-b732-dcf4fe910f3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-722b-9e9a-a8bcf3416b1f" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019fec93-9816-7d49-b732-dcf4fe910f3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-75a4-a915-68454af526e5" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingNonaccural_019fec93-9816-70e4-a721-fd47173da6cf" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingNonaccural"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:to="loc_fcnca_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossExcludingNonaccural_019fec93-9816-70e4-a721-fd47173da6cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_019fec93-9816-7e36-a16f-834faf95dd52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_019fec93-9816-7e36-a16f-834faf95dd52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7aa9-a78c-d12b04c9c14b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7aa9-a78c-d12b04c9c14b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableAccruedInterestReversedToNonaccrualStatus_019fec93-9816-7767-8d3b-814cb03ba6e3" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableAccruedInterestReversedToNonaccrualStatus"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:to="loc_fcnca_FinancingReceivableAccruedInterestReversedToNonaccrualStatus_019fec93-9816-7767-8d3b-814cb03ba6e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableNonaccrualWithoutAllowanceForCreditLoss_019fec93-9816-7e4f-ad6b-ea7b8c9c267e" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableNonaccrualWithoutAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7750-b64f-9ecd6135fc1c" xlink:to="loc_fcnca_FinancingReceivableNonaccrualWithoutAllowanceForCreditLoss_019fec93-9816-7e4f-ad6b-ea7b8c9c267e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansDisaggregatedbyYearofOriginationandbyRiskRatingDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofLoansDisaggregatedbyYearofOriginationandbyRiskRatingDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansDisaggregatedbyYearofOriginationandbyRiskRatingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-792a-a5e2-8e9f71a810a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-792a-a5e2-8e9f71a810a8" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-70e3-93f7-652134c27af0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-70e3-93f7-652134c27af0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-72f0-b13a-4c96dd4082f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-70e3-93f7-652134c27af0" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-72f0-b13a-4c96dd4082f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7572-94b9-1de3d213e438" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-72f0-b13a-4c96dd4082f8" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7572-94b9-1de3d213e438" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7838-b144-28a88acb60aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-72f0-b13a-4c96dd4082f8" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7838-b144-28a88acb60aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7599-95f1-9ad05d77f284" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7599-95f1-9ad05d77f284" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7599-95f1-9ad05d77f284" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-7dd6-ba51-c143d7f95604" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-7dd6-ba51-c143d7f95604" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-70f2-bdb2-6402cd9b32c0" xlink:href="fcnca-20260930.xsd#fcnca_CapitalCallLinesLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-70f2-bdb2-6402cd9b32c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-71ed-88f8-010d3c53750d" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-71ed-88f8-010d3c53750d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-7f51-85fd-9461c7e505ab" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-7f51-85fd-9461c7e505ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7b76-85d3-b7d8620d1765" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7b76-85d3-b7d8620d1765" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7475-8175-7f041dad63f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7475-8175-7f041dad63f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7814-ac59-b7409c0522d8" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7814-ac59-b7409c0522d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7e1c-8af7-e00176e92e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7e1c-8af7-e00176e92e4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7a2a-a026-e0fc70ea05aa" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-74f6-88fd-a1130fdbf4c0" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7a2a-a026-e0fc70ea05aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_019fec93-9816-7797-9a08-dcb74f278652" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_019fec93-9816-7797-9a08-dcb74f278652" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019fec93-9816-7797-9a08-dcb74f278652" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_019fec93-9816-7bd1-bb7c-cd5142f16d32" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PassMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:to="loc_us-gaap_PassMember_019fec93-9816-7bd1-bb7c-cd5142f16d32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_019fec93-9816-7db0-b24e-9674637615d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SpecialMentionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:to="loc_us-gaap_SpecialMentionMember_019fec93-9816-7db0-b24e-9674637615d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_019fec93-9816-7dcc-aece-93e7cc497240" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubstandardMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:to="loc_us-gaap_SubstandardMember_019fec93-9816-7dcc-aece-93e7cc497240" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember_019fec93-9816-7ddc-9941-cd08d445b484" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DoubtfulMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:to="loc_us-gaap_DoubtfulMember_019fec93-9816-7ddc-9941-cd08d445b484" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_UngradedMember_019fec93-9816-7d62-b255-0eee43751cd0" xlink:href="fcnca-20260930.xsd#fcnca_UngradedMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019fec93-9816-73cf-bf23-ca7cc00a1529" xlink:to="loc_fcnca_UngradedMember_019fec93-9816-7d62-b255-0eee43751cd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7e32-8079-3c40135bb56f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7e32-8079-3c40135bb56f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7616-8278-6192bffd535e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7e32-8079-3c40135bb56f" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7616-8278-6192bffd535e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019fec93-9816-75c9-af94-7956c2c07b4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7616-8278-6192bffd535e" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019fec93-9816-75c9-af94-7956c2c07b4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fec93-9816-7b88-a6ad-2af05e0a3dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7616-8278-6192bffd535e" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fec93-9816-7b88-a6ad-2af05e0a3dc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fec93-9816-7689-af3e-22e0a9b647f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7616-8278-6192bffd535e" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fec93-9816-7689-af3e-22e0a9b647f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019fec93-9816-77bd-aa48-3d33b92252b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-7616-8278-6192bffd535e" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019fec93-9816-77bd-aa48-3d33b92252b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-79ec-936c-701fd292a9ca" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019fec93-9816-7f1f-a0f1-e9fed5991c2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019fec93-9816-7f1f-a0f1-e9fed5991c2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019fec93-9816-7987-a369-3254f1fb1403" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019fec93-9816-7987-a369-3254f1fb1403" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019fec93-9816-7bb7-af3a-d6372137fd13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019fec93-9816-7bb7-af3a-d6372137fd13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019fec93-9816-7f25-8d30-29e41c85514d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019fec93-9816-7f25-8d30-29e41c85514d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019fec93-9816-7a6f-bc80-544aaec95910" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019fec93-9816-7a6f-bc80-544aaec95910" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019fec93-9816-7028-bfc6-787637b00ac7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019fec93-9816-7028-bfc6-787637b00ac7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019fec93-9816-78f1-ad06-3be053996d0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019fec93-9816-78f1-ad06-3be053996d0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019fec93-9816-79cb-a773-b740f788c750" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019fec93-9816-79cb-a773-b740f788c750" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7de0-835a-f9698c40c92f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-77a1-8d3b-784add0ec5fc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7de0-835a-f9698c40c92f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansChargeoffsDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofLoansChargeoffsDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansChargeoffsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7c9b-8204-366b6379d25f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7583-aa92-fe46a4b31a4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7c9b-8204-366b6379d25f" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7583-aa92-fe46a4b31a4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-726b-8500-013d7b9adfb4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7583-aa92-fe46a4b31a4f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-726b-8500-013d7b9adfb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7eb5-8a82-c7a2fe5ea811" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-726b-8500-013d7b9adfb4" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7eb5-8a82-c7a2fe5ea811" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7495-aac0-1511a5698ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7eb5-8a82-c7a2fe5ea811" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-7495-aac0-1511a5698ea5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7b2c-b15e-5278079c2e51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-7eb5-8a82-c7a2fe5ea811" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7b2c-b15e-5278079c2e51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7dc0-9793-b42c731fa30c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7583-aa92-fe46a4b31a4f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7dc0-9793-b42c731fa30c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7dc0-9793-b42c731fa30c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-781d-88b6-e6383e4a6be2" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-781d-88b6-e6383e4a6be2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-76f2-8c92-97a5aadd6854" xlink:href="fcnca-20260930.xsd#fcnca_CapitalCallLinesLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-76f2-8c92-97a5aadd6854" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-7dda-8de7-c7b9f725fc6c" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-7dda-8de7-c7b9f725fc6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-78da-8498-b31c76eec1a8" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-78da-8498-b31c76eec1a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7a7b-a490-052ef25238a0" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7a7b-a490-052ef25238a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7a6c-b1ea-a90fa3b2a7ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7a6c-b1ea-a90fa3b2a7ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7b82-bb9e-c9dd4d512524" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7b82-bb9e-c9dd4d512524" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7fc1-ade4-f82db587d540" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7fc1-ade4-f82db587d540" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-71f2-82ef-f8a60c0d1429" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-737b-92a7-1a730a26b9f3" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-71f2-82ef-f8a60c0d1429" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-7583-aa92-fe46a4b31a4f" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019fec93-9816-76e6-805b-0252140e6e60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019fec93-9816-76e6-805b-0252140e6e60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019fec93-9816-76ae-8e8e-a7590e59bba1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019fec93-9816-76ae-8e8e-a7590e59bba1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-7361-94db-d6419d0ab8ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-7361-94db-d6419d0ab8ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-7f26-bb5d-e70e73483789" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-7f26-bb5d-e70e73483789" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-7b5a-86a8-754b61d88ba5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-7b5a-86a8-754b61d88ba5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-705b-b16d-4f30c6fb6b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019fec93-9816-705b-b16d-4f30c6fb6b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019fec93-9816-7fae-bdbd-643d04144568" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019fec93-9816-7fae-bdbd-643d04144568" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_019fec93-9816-7038-a4bd-7d49e5f5288c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_019fec93-9816-7038-a4bd-7d49e5f5288c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019fec93-9816-75a1-8903-449e549dedf0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7c40-94b9-6b2dc77be0f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019fec93-9816-75a1-8903-449e549dedf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofAmortizedCostofLoansModifiedDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofAmortizedCostofLoansModifiedDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofAmortizedCostofLoansModifiedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7b8f-9d0a-98e68eb48dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70d2-9334-4fdf4af55632" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7b8f-9d0a-98e68eb48dc6" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70d2-9334-4fdf4af55632" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7b8b-9dd4-51c751fb0caa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70d2-9334-4fdf4af55632" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7b8b-9dd4-51c751fb0caa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-739d-899d-11523d84a19b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7b8b-9dd4-51c751fb0caa" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-739d-899d-11523d84a19b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-77fb-a56e-7b7e127231bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-739d-899d-11523d84a19b" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-77fb-a56e-7b7e127231bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7de4-bd37-25385adfc7c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-739d-899d-11523d84a19b" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7de4-bd37-25385adfc7c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7a24-b709-0f140af12950" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70d2-9334-4fdf4af55632" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7a24-b709-0f140af12950" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7a24-b709-0f140af12950" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-7348-907a-afbd63f7d75b" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-7348-907a-afbd63f7d75b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-77f9-8c02-dbaa7760c1e7" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-77f9-8c02-dbaa7760c1e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-72e9-b265-250c70012827" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-72e9-b265-250c70012827" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-786a-b3dd-83ccd8ef3a3f" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-786a-b3dd-83ccd8ef3a3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7d93-8deb-1770d2e235f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7d93-8deb-1770d2e235f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7cd9-b92d-33196d917d9d" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7cd9-b92d-33196d917d9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7d58-9cb1-02fb1388dd37" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7d58-9cb1-02fb1388dd37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7a31-9d90-a895cc16569c" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c3f-a592-90b5de24fe69" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7a31-9d90-a895cc16569c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_019fec93-9816-7f80-a50a-55524ea38e0b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70d2-9334-4fdf4af55632" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_019fec93-9816-7f80-a50a-55524ea38e0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_019fec93-9816-7f80-a50a-55524ea38e0b" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_019fec93-9816-73e2-aa49-c8661ea7cc2e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_us-gaap_ExtendedMaturityMember_019fec93-9816-73e2-aa49-c8661ea7cc2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentDeferralMember_019fec93-9816-7aa4-b02f-e96b0bb65646" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentDeferralMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_us-gaap_PaymentDeferralMember_019fec93-9816-7aa4-b02f-e96b0bb65646" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestRateReductionMember_019fec93-9816-7dea-8de0-dd903d00e209" xlink:href="fcnca-20260930.xsd#fcnca_InterestRateReductionMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_fcnca_InterestRateReductionMember_019fec93-9816-7dea-8de0-dd903d00e209" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019fec93-9816-7857-9324-a97e8c29e7a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019fec93-9816-7857-9324-a97e8c29e7a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TermExtensionAndPaymentDelayMember_019fec93-9816-7186-80b5-fb5b28725ecb" xlink:href="fcnca-20260930.xsd#fcnca_TermExtensionAndPaymentDelayMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_fcnca_TermExtensionAndPaymentDelayMember_019fec93-9816-7186-80b5-fb5b28725ecb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherCombinationsMember_019fec93-9816-7823-b7bf-8a67854a1a8a" xlink:href="fcnca-20260930.xsd#fcnca_OtherCombinationsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_fcnca_OtherCombinationsMember_019fec93-9816-7823-b7bf-8a67854a1a8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_PaymentDelayAndInterestRateReductionMember_01a1883f-24c7-79ee-8dce-69cd11b71081" xlink:href="fcnca-20260930.xsd#fcnca_PaymentDelayAndInterestRateReductionMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_fcnca_PaymentDelayAndInterestRateReductionMember_01a1883f-24c7-79ee-8dce-69cd11b71081" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TermExtensionInterestRateReductionAndPaymentDelayMember_019fec93-9816-72bc-9f46-04ed460d0947" xlink:href="fcnca-20260930.xsd#fcnca_TermExtensionInterestRateReductionAndPaymentDelayMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019fec93-9816-7f01-b451-2b2c37447d30" xlink:to="loc_fcnca_TermExtensionInterestRateReductionAndPaymentDelayMember_019fec93-9816-72bc-9f46-04ed460d0947" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7720-ac78-715d6b58e04d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70d2-9334-4fdf4af55632" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7720-ac78-715d6b58e04d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableExcludingAccruedInterestModifiedAmortizedCostOfLoans_019fec93-9816-7e5a-b5b4-59872d8339f4" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableExcludingAccruedInterestModifiedAmortizedCostOfLoans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7720-ac78-715d6b58e04d" xlink:to="loc_fcnca_FinancingReceivableExcludingAccruedInterestModifiedAmortizedCostOfLoans_019fec93-9816-7e5a-b5b4-59872d8339f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_019fec93-9816-71d3-a24d-b7239073181a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7720-ac78-715d6b58e04d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_019fec93-9816-71d3-a24d-b7239073181a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_019fec93-9816-76b5-bc62-be30f9747def" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-7720-ac78-715d6b58e04d" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_019fec93-9816-76b5-bc62-be30f9747def" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofFinancialEffectsofLoansModifiedDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofFinancialEffectsofLoansModifiedDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofFinancialEffectsofLoansModifiedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7d18-82d8-e733658fa18a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-77b7-9f82-9f15c77b9d90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7d18-82d8-e733658fa18a" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-77b7-9f82-9f15c77b9d90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7b4b-b1ad-fe4e4f68bed8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-77b7-9f82-9f15c77b9d90" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7b4b-b1ad-fe4e4f68bed8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-74e3-87f5-a1d037891d07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-7b4b-b1ad-fe4e4f68bed8" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-74e3-87f5-a1d037891d07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-730b-8baf-2fdfedec260a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-74e3-87f5-a1d037891d07" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-730b-8baf-2fdfedec260a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7055-b75b-fc06bd33062c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-74e3-87f5-a1d037891d07" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-7055-b75b-fc06bd33062c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-781c-aa60-261dd71cf28c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-77b7-9f82-9f15c77b9d90" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-781c-aa60-261dd71cf28c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-781c-aa60-261dd71cf28c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-779f-b076-7d68e8161e58" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-779f-b076-7d68e8161e58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-78eb-93c0-21650e5895bb" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-78eb-93c0-21650e5895bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-70f1-95e7-0c10bb97688f" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-70f1-95e7-0c10bb97688f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7f56-93eb-cfd92cc54510" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7f56-93eb-cfd92cc54510" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7fd3-94a3-04c15c526483" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7fd3-94a3-04c15c526483" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7dd8-be1d-4811c24e6d8f" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7dd8-be1d-4811c24e6d8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7fe6-83ef-0ef842b0b2ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-7fe6-83ef-0ef842b0b2ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-75cd-9f0d-104f2e63619f" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7c30-ad40-52e3ada27aaa" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-75cd-9f0d-104f2e63619f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-789b-9241-7fe59ec11653" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-77b7-9f82-9f15c77b9d90" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-789b-9241-7fe59ec11653" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_019fec93-9816-729e-a560-7581e55c298f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-789b-9241-7fe59ec11653" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_019fec93-9816-729e-a560-7581e55c298f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_019fec93-9816-76a9-8950-c1cfb4626b08" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-789b-9241-7fe59ec11653" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_019fec93-9816-76a9-8950-c1cfb4626b08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableModifiedWeightedAveragePaymentDelay_019fec93-9816-786e-ab83-b7865ce88141" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableModifiedWeightedAveragePaymentDelay"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-789b-9241-7fe59ec11653" xlink:to="loc_fcnca_FinancingReceivableModifiedWeightedAveragePaymentDelay_019fec93-9816-786e-ab83-b7865ce88141" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableExcludingAccruedInterestModifiedAmortizedCostOfLoans_019fec93-9816-7eac-8a05-b5f085c19044" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableExcludingAccruedInterestModifiedAmortizedCostOfLoans"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-789b-9241-7fe59ec11653" xlink:to="loc_fcnca_FinancingReceivableExcludingAccruedInterestModifiedAmortizedCostOfLoans_019fec93-9816-7eac-8a05-b5f085c19044" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansModifiedPastDueDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofLoansModifiedPastDueDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansModifiedPastDueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7b34-bb45-2d3d389cce03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70c4-ae98-e824c52af597" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7b34-bb45-2d3d389cce03" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70c4-ae98-e824c52af597" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-78f7-8457-c26943cc5417" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70c4-ae98-e824c52af597" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-78f7-8457-c26943cc5417" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-791e-81f7-e1752ad0e597" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-9816-78f7-8457-c26943cc5417" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-791e-81f7-e1752ad0e597" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-79df-9598-e470e76adb06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-791e-81f7-e1752ad0e597" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-9816-79df-9598-e470e76adb06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-70b4-8c10-fef3dde94fb0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-9816-791e-81f7-e1752ad0e597" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-9816-70b4-8c10-fef3dde94fb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7740-8edf-4c86e81357d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70c4-ae98-e824c52af597" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7740-8edf-4c86e81357d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019fec93-9816-7740-8edf-4c86e81357d8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-73af-ba29-153969bfac1e" xlink:href="fcnca-20260930.xsd#fcnca_CommercialAndIndustrialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_CommercialAndIndustrialLoanMember_019fec93-9816-73af-ba29-153969bfac1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-7cad-9de6-8c0e5eb28e2a" xlink:href="fcnca-20260930.xsd#fcnca_CapitalCallLinesLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_CapitalCallLinesLoanMember_019fec93-9816-7cad-9de6-8c0e5eb28e2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-7e7a-83e4-81d6dc7f8c8b" xlink:href="fcnca-20260930.xsd#fcnca_OwnerOccupiedCommercialMortgageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_OwnerOccupiedCommercialMortgageMember_019fec93-9816-7e7a-83e4-81d6dc7f8c8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-76b2-b9c8-eed8d8719037" xlink:href="fcnca-20260930.xsd#fcnca_InvestorDependentEarlyStageMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_InvestorDependentEarlyStageMember_019fec93-9816-76b2-b9c8-eed8d8719037" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7b17-a363-0bafe6d89e38" xlink:href="fcnca-20260930.xsd#fcnca_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_CommercialRealEstateLoansMember_019fec93-9816-7b17-a363-0bafe6d89e38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7296-91d8-ebde607eb8ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_us-gaap_ResidentialMortgageMember_019fec93-9816-7296-91d8-ebde607eb8ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7cb4-914a-b4f6ce56ff66" xlink:href="fcnca-20260930.xsd#fcnca_RevolvingMortgageMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_RevolvingMortgageMember_019fec93-9816-7cb4-914a-b4f6ce56ff66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AutomobileLoanMember_019fec93-9816-71b1-80d6-9af9a32e332b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AutomobileLoanMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_us-gaap_AutomobileLoanMember_019fec93-9816-71b1-80d6-9af9a32e332b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7e30-9fe0-2224413d1400" xlink:href="fcnca-20260930.xsd#fcnca_ConsumerLoanOtherMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019fec93-9816-7659-8e8b-f945c125c936" xlink:to="loc_fcnca_ConsumerLoanOtherMember_019fec93-9816-7e30-9fe0-2224413d1400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7f89-b8fb-8e0ebbb4a662" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70c4-ae98-e824c52af597" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7f89-b8fb-8e0ebbb4a662" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-76f0-acd2-bae05d8ab2df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019fec93-9816-7f89-b8fb-8e0ebbb4a662" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-76f0-acd2-bae05d8ab2df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019fec93-9816-744f-ab0d-6166840efd53" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-76f0-acd2-bae05d8ab2df" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019fec93-9816-744f-ab0d-6166840efd53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fec93-9816-7141-9158-79db33a5e2ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-76f0-acd2-bae05d8ab2df" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fec93-9816-7141-9158-79db33a5e2ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fec93-9816-7945-88e6-5f5ae7d4bf14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-76f0-acd2-bae05d8ab2df" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fec93-9816-7945-88e6-5f5ae7d4bf14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019fec93-9816-7aff-b6df-f67d4f4c2581" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fec93-9816-76f0-acd2-bae05d8ab2df" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019fec93-9816-7aff-b6df-f67d4f4c2581" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-79cf-956e-6458ca78bc3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-70c4-ae98-e824c52af597" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-79cf-956e-6458ca78bc3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_019fec93-9816-7a18-9e7a-459542e5d1a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-79cf-956e-6458ca78bc3f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_019fec93-9816-7a18-9e7a-459542e5d1a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansPledgedasCollateralDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LOANSANDLEASESScheduleofLoansPledgedasCollateralDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LOANSANDLEASESScheduleofLoansPledgedasCollateralDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7f8d-ad36-3979f6ba9cfb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-74f2-83db-19b3edf6997d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-9816-7f8d-ad36-3979f6ba9cfb" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-74f2-83db-19b3edf6997d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_019fec93-9816-7fa9-992b-a0c5cada1665" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-74f2-83db-19b3edf6997d" xlink:to="loc_srt_CounterpartyNameAxis_019fec93-9816-7fa9-992b-a0c5cada1665" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019fec93-9816-7b11-94e0-800bb1abeec2" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_019fec93-9816-7fa9-992b-a0c5cada1665" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019fec93-9816-7b11-94e0-800bb1abeec2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FHLBOfAtlantaMember_019fec93-9816-72e9-817f-1dcff71eecd1" xlink:href="fcnca-20260930.xsd#fcnca_FHLBOfAtlantaMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019fec93-9816-7b11-94e0-800bb1abeec2" xlink:to="loc_fcnca_FHLBOfAtlantaMember_019fec93-9816-72e9-817f-1dcff71eecd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalReserveBankMember_019fec93-9816-7a5e-afb6-f9a96206d7c8" xlink:href="fcnca-20260930.xsd#fcnca_FederalReserveBankMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019fec93-9816-7b11-94e0-800bb1abeec2" xlink:to="loc_fcnca_FederalReserveBankMember_019fec93-9816-7a5e-afb6-f9a96206d7c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalDepositInsuranceCorporationMember_019fec93-9816-70d0-b368-0b8486dbe6b3" xlink:href="fcnca-20260930.xsd#fcnca_FederalDepositInsuranceCorporationMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019fec93-9816-7b11-94e0-800bb1abeec2" xlink:to="loc_fcnca_FederalDepositInsuranceCorporationMember_019fec93-9816-70d0-b368-0b8486dbe6b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019fec93-9816-76e9-b1df-5f2380686b46" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-74f2-83db-19b3edf6997d" xlink:to="loc_us-gaap_CreditLossStatusAxis_019fec93-9816-76e9-b1df-5f2380686b46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-74b4-b604-6cba871dcbbd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019fec93-9816-76e9-b1df-5f2380686b46" xlink:to="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-74b4-b604-6cba871dcbbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019fec93-9816-7289-9437-49597dd42522" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019fec93-9816-74b4-b604-6cba871dcbbd" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019fec93-9816-7289-9437-49597dd42522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019fec93-9816-73a5-a09f-28e0cf63a413" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-74f2-83db-19b3edf6997d" xlink:to="loc_us-gaap_PledgedStatusAxis_019fec93-9816-73a5-a09f-28e0cf63a413" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019fec93-9816-71ab-a044-212fec48303d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_019fec93-9816-73a5-a09f-28e0cf63a413" xlink:to="loc_us-gaap_PledgedStatusDomain_019fec93-9816-71ab-a044-212fec48303d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019fec93-9816-7bb6-bbf2-7ce3d949abbd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_019fec93-9816-71ab-a044-212fec48303d" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019fec93-9816-7bb6-bbf2-7ce3d949abbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-75da-b620-61d14d979dc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019fec93-9816-74f2-83db-19b3edf6997d" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-75da-b620-61d14d979dc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBanksAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-75da-b620-61d14d979dc3" xlink:to="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable_019fec93-9816-7b01-b434-4863a544e92b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable_019fec93-9816-7b01-b434-4863a544e92b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019fec93-9816-7eca-84d0-b15b7c4f21ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019fec93-9816-7eca-84d0-b15b7c4f21ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LettersOfCreditFromFederalHomeLoanBank_019fec93-9816-7f24-bbc4-51661723e7c0" xlink:href="fcnca-20260930.xsd#fcnca_LettersOfCreditFromFederalHomeLoanBank"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:to="loc_fcnca_LettersOfCreditFromFederalHomeLoanBank_019fec93-9816-7f24-bbc4-51661723e7c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_019fec93-9816-7fe2-b468-b6b7654994f5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_019fec93-9816-7fe2-b468-b6b7654994f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7ba5-ae88-9c398eb45ee7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_019fec93-9816-7cf7-a523-4a9fccc7991e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9816-7ba5-ae88-9c398eb45ee7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalReserveBankAbstract_019fec93-9816-7cd1-895e-d705cd58f79a" xlink:href="fcnca-20260930.xsd#fcnca_FederalReserveBankAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-75da-b620-61d14d979dc3" xlink:to="loc_fcnca_FederalReserveBankAbstract_019fec93-9816-7cd1-895e-d705cd58f79a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalReserveBankAdvancesGeneralDebtObligationsMaximumAmountAvailable_019fec93-9816-71e7-b9cb-7b8f862e4025" xlink:href="fcnca-20260930.xsd#fcnca_FederalReserveBankAdvancesGeneralDebtObligationsMaximumAmountAvailable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalReserveBankAbstract_019fec93-9816-7cd1-895e-d705cd58f79a" xlink:to="loc_fcnca_FederalReserveBankAdvancesGeneralDebtObligationsMaximumAmountAvailable_019fec93-9816-71e7-b9cb-7b8f862e4025" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AdvancesFromFederalReserveBank_019fec93-9816-7310-9ea3-8e2d028e30c2" xlink:href="fcnca-20260930.xsd#fcnca_AdvancesFromFederalReserveBank"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalReserveBankAbstract_019fec93-9816-7cd1-895e-d705cd58f79a" xlink:to="loc_fcnca_AdvancesFromFederalReserveBank_019fec93-9816-7310-9ea3-8e2d028e30c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_019fec93-9816-7d59-ad4f-32d6c14d7639" xlink:href="fcnca-20260930.xsd#fcnca_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalReserveBankAbstract_019fec93-9816-7cd1-895e-d705cd58f79a" xlink:to="loc_fcnca_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_019fec93-9816-7d59-ad4f-32d6c14d7639" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalDepositInsuranceCorporationAbstract_019fec93-9816-7734-b362-28581700383c" xlink:href="fcnca-20260930.xsd#fcnca_FederalDepositInsuranceCorporationAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019fec93-9816-75da-b620-61d14d979dc3" xlink:to="loc_fcnca_FederalDepositInsuranceCorporationAbstract_019fec93-9816-7734-b362-28581700383c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalDepositInsuranceCorporationGeneralDebtObligationsMaximumAmountAvailable_019fec93-9816-7ecf-af97-b7998c520400" xlink:href="fcnca-20260930.xsd#fcnca_FederalDepositInsuranceCorporationGeneralDebtObligationsMaximumAmountAvailable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalDepositInsuranceCorporationAbstract_019fec93-9816-7734-b362-28581700383c" xlink:to="loc_fcnca_FederalDepositInsuranceCorporationGeneralDebtObligationsMaximumAmountAvailable_019fec93-9816-7ecf-af97-b7998c520400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AdvancesFromFederalDepositInsuranceCorporation_019fec93-9816-79e1-ace3-f92463bd8c2d" xlink:href="fcnca-20260930.xsd#fcnca_AdvancesFromFederalDepositInsuranceCorporation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalDepositInsuranceCorporationAbstract_019fec93-9816-7734-b362-28581700383c" xlink:to="loc_fcnca_AdvancesFromFederalDepositInsuranceCorporation_019fec93-9816-79e1-ace3-f92463bd8c2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_PurchaseMoneyNoteFromFederalDepositInsuranceCorporation_019fec93-9816-796b-9226-3a876716c661" xlink:href="fcnca-20260930.xsd#fcnca_PurchaseMoneyNoteFromFederalDepositInsuranceCorporation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalDepositInsuranceCorporationAbstract_019fec93-9816-7734-b362-28581700383c" xlink:to="loc_fcnca_PurchaseMoneyNoteFromFederalDepositInsuranceCorporation_019fec93-9816-796b-9226-3a876716c661" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalDepositInsuranceCorporationGeneralDebtObligationsAmountOfAvailableUnusedFunds_019fec93-9816-756a-afce-e187126db86f" xlink:href="fcnca-20260930.xsd#fcnca_FederalDepositInsuranceCorporationGeneralDebtObligationsAmountOfAvailableUnusedFunds"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_FederalDepositInsuranceCorporationAbstract_019fec93-9816-7734-b362-28581700383c" xlink:to="loc_fcnca_FederalDepositInsuranceCorporationGeneralDebtObligationsAmountOfAvailableUnusedFunds_019fec93-9816-756a-afce-e187126db86f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ALLOWANCEFORLOANANDLEASELOSSESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7860-a778-1f596cbaa852" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_01a17ce8-5f56-7697-a321-9859839f1d58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7860-a778-1f596cbaa852" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_01a17ce8-5f56-7697-a321-9859839f1d58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_01a17ce8-5f56-7098-8cbc-9f3c8f0ed743" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_01a17ce8-5f56-7697-a321-9859839f1d58" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_01a17ce8-5f56-7098-8cbc-9f3c8f0ed743" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a17ce8-5f56-774f-bbd2-6b510b7a8c3a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_01a17ce8-5f56-7098-8cbc-9f3c8f0ed743" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a17ce8-5f56-774f-bbd2-6b510b7a8c3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a17ce8-5f56-762b-8ee9-c257163169e3" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a17ce8-5f56-774f-bbd2-6b510b7a8c3a" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a17ce8-5f56-762b-8ee9-c257163169e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_01a17ce8-5f56-78b1-a44a-2a9eeb777029" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_01a17ce8-5f56-7697-a321-9859839f1d58" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_01a17ce8-5f56-78b1-a44a-2a9eeb777029" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_019fec93-98ab-7fac-8d64-9fe75a51b379" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_01a17ce8-5f56-78b1-a44a-2a9eeb777029" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_019fec93-98ab-7fac-8d64-9fe75a51b379" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-98ab-7d43-9b0c-5d4bd6a06d8f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_01a17ce8-5f56-78b1-a44a-2a9eeb777029" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-98ab-7d43-9b0c-5d4bd6a06d8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019fec93-98ab-76a4-8cc6-cec49e828958" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_01a17ce8-5f56-78b1-a44a-2a9eeb777029" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019fec93-98ab-76a4-8cc6-cec49e828958" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan_01a17ce8-262a-7e2c-a7f5-b8fa44c56e91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_01a17ce8-5f56-78b1-a44a-2a9eeb777029" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedSeasonedLoan_01a17ce8-262a-7e2c-a7f5-b8fa44c56e91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESScheduleofAllowanceforLoanandLeaseLossesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ALLOWANCEFORLOANANDLEASELOSSESScheduleofAllowanceforLoanandLeaseLossesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESScheduleofAllowanceforLoanandLeaseLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7e5a-84cd-20222c05ffae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019fec93-98ab-7c7e-9b22-0f606f1b2e9b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7e5a-84cd-20222c05ffae" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019fec93-98ab-7c7e-9b22-0f606f1b2e9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-98ab-789b-8d73-2f8b2b7d4626" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019fec93-98ab-7c7e-9b22-0f606f1b2e9b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-98ab-789b-8d73-2f8b2b7d4626" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ab-76cb-81f7-2df0af5d453c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-98ab-789b-8d73-2f8b2b7d4626" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ab-76cb-81f7-2df0af5d453c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-98ab-7b52-8073-68f36ec321c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ab-76cb-81f7-2df0af5d453c" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-98ab-7b52-8073-68f36ec321c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-98ab-73e2-8c13-8fff107a064c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ab-76cb-81f7-2df0af5d453c" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019fec93-98ab-73e2-8c13-8fff107a064c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019fec93-98ab-78cf-9ed8-c67c695c04fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019fec93-98ab-7c7e-9b22-0f606f1b2e9b" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019fec93-98ab-78cf-9ed8-c67c695c04fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019fec93-98ab-78cf-9ed8-c67c695c04fb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-98ab-795f-bf9b-f177dcf3262d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-98ab-795f-bf9b-f177dcf3262d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_01a0cc72-f1c5-7df9-a528-e9a46a677eff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_01a0cc72-f1c5-7df9-a528-e9a46a677eff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableCreditLossExpense_019fec93-98ab-7732-a00c-0ea80a254788" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableCreditLossExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:to="loc_fcnca_FinancingReceivableCreditLossExpense_019fec93-98ab-7732-a00c-0ea80a254788" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019fec93-98ab-7545-a285-68a728751177" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019fec93-98ab-7545-a285-68a728751177" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019fec93-98ab-7a3b-8980-ebeb5a23b2c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019fec93-98ab-7a3b-8980-ebeb5a23b2c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-98ab-7efa-b591-8a263143996c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019fec93-98ab-79ff-ba03-01e8366f1de0" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019fec93-98ab-7efa-b591-8a263143996c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESScheduleofComponentsofCreditLossesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ALLOWANCEFORLOANANDLEASELOSSESScheduleofComponentsofCreditLossesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ALLOWANCEFORLOANANDLEASELOSSESScheduleofComponentsofCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7a0f-8722-0b815c38058e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinancingReceivableCreditLossExpense_019fec93-98ab-7539-8ac8-9d272b571063" xlink:href="fcnca-20260930.xsd#fcnca_FinancingReceivableCreditLossExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7a0f-8722-0b815c38058e" xlink:to="loc_fcnca_FinancingReceivableCreditLossExpense_019fec93-98ab-7539-8ac8-9d272b571063" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversalExcludingAmountAcquiredInAcquisition_019fec93-98ab-7e45-a744-87b9ae9756b8" xlink:href="fcnca-20260930.xsd#fcnca_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversalExcludingAmountAcquiredInAcquisition"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7a0f-8722-0b815c38058e" xlink:to="loc_fcnca_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversalExcludingAmountAcquiredInAcquisition_019fec93-98ab-7e45-a744-87b9ae9756b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotToSellBeforeRecoveryCreditLossPreviouslyRecordedExpenseReversal_019fec93-98ab-7f84-822f-71412fb496e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotToSellBeforeRecoveryCreditLossPreviouslyRecordedExpenseReversal"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7a0f-8722-0b815c38058e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossNotToSellBeforeRecoveryCreditLossPreviouslyRecordedExpenseReversal_019fec93-98ab-7f84-822f-71412fb496e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CreditLossExpenseReversal_019fec93-98ab-73c9-bee1-0d4da821f93c" xlink:href="fcnca-20260930.xsd#fcnca_CreditLossExpenseReversal"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019fec93-98ab-7a0f-8722-0b815c38058e" xlink:to="loc_fcnca_CreditLossExpenseReversal_019fec93-98ab-73c9-bee1-0d4da821f93c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-7969-9221-3cb4aa2fb7ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeaseDescriptionTable_019fec93-98ab-7ee4-a94b-f12a23c5eeb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeLeaseDescriptionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7969-9221-3cb4aa2fb7ad" xlink:to="loc_us-gaap_LesseeLeaseDescriptionTable_019fec93-98ab-7ee4-a94b-f12a23c5eeb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019fec93-98ab-7d2c-b7e4-4af5178c73c6" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeLeaseDescriptionTable_019fec93-98ab-7ee4-a94b-f12a23c5eeb1" xlink:to="loc_srt_RangeAxis_019fec93-98ab-7d2c-b7e4-4af5178c73c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019fec93-98ab-7d7d-a9ad-306928ba3997" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019fec93-98ab-7d2c-b7e4-4af5178c73c6" xlink:to="loc_srt_RangeMember_019fec93-98ab-7d7d-a9ad-306928ba3997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019fec93-98ab-7b54-b1fd-8bb75c1e4c6f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019fec93-98ab-7d7d-a9ad-306928ba3997" xlink:to="loc_srt_MaximumMember_019fec93-98ab-7b54-b1fd-8bb75c1e4c6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019fec93-98ab-7575-901d-be875a81f887" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019fec93-98ab-7d7d-a9ad-306928ba3997" xlink:to="loc_srt_MinimumMember_019fec93-98ab-7575-901d-be875a81f887" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseContractualTermAxis_019fec93-98ab-7e9d-bb42-4dc833833216" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseContractualTermAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeLeaseDescriptionTable_019fec93-98ab-7ee4-a94b-f12a23c5eeb1" xlink:to="loc_us-gaap_LeaseContractualTermAxis_019fec93-98ab-7e9d-bb42-4dc833833216" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseContractualTermDomain_019fec93-98ab-7eb4-9256-fb3986bf4cbb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseContractualTermDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeaseContractualTermAxis_019fec93-98ab-7e9d-bb42-4dc833833216" xlink:to="loc_us-gaap_LeaseContractualTermDomain_019fec93-98ab-7eb4-9256-fb3986bf4cbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ExcessiveBuildingSpaceNoLongerUtilizingMember_019fec93-98ab-7871-9f94-15db1adb949d" xlink:href="fcnca-20260930.xsd#fcnca_ExcessiveBuildingSpaceNoLongerUtilizingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeaseContractualTermDomain_019fec93-98ab-7eb4-9256-fb3986bf4cbb" xlink:to="loc_fcnca_ExcessiveBuildingSpaceNoLongerUtilizingMember_019fec93-98ab-7871-9f94-15db1adb949d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeaseDescriptionLineItems_019fec93-98ab-71e8-87a6-ba23e915d5ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeLeaseDescriptionLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeLeaseDescriptionTable_019fec93-98ab-7ee4-a94b-f12a23c5eeb1" xlink:to="loc_us-gaap_LesseeLeaseDescriptionLineItems_019fec93-98ab-71e8-87a6-ba23e915d5ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseTermOfContract_019fec93-98ab-7192-9380-21377c05a253" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseTermOfContract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeLeaseDescriptionLineItems_019fec93-98ab-71e8-87a6-ba23e915d5ff" xlink:to="loc_us-gaap_LesseeOperatingLeaseTermOfContract_019fec93-98ab-7192-9380-21377c05a253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseRenewalTerm_019fec93-98ab-7ff4-9f54-3f2ddfe81997" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseRenewalTerm"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeLeaseDescriptionLineItems_019fec93-98ab-71e8-87a6-ba23e915d5ff" xlink:to="loc_us-gaap_LesseeOperatingLeaseRenewalTerm_019fec93-98ab-7ff4-9f54-3f2ddfe81997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASESScheduleofOperatingandFinanceLeaseAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASESScheduleofOperatingandFinanceLeaseAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASESScheduleofOperatingandFinanceLeaseAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-7d85-844f-aaf8845e71ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LesseeRightOfUseAssetAbstract_019fec93-98ab-7b55-af07-f7a5569d0aae" xlink:href="fcnca-20260930.xsd#fcnca_LesseeRightOfUseAssetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7d85-844f-aaf8845e71ed" xlink:to="loc_fcnca_LesseeRightOfUseAssetAbstract_019fec93-98ab-7b55-af07-f7a5569d0aae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019fec93-98ab-718e-bb00-9a00209d8773" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeRightOfUseAssetAbstract_019fec93-98ab-7b55-af07-f7a5569d0aae" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019fec93-98ab-718e-bb00-9a00209d8773" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_019fec93-98ab-737f-ab04-3dd8418a9c4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAsset_019fec93-98ab-718e-bb00-9a00209d8773" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_019fec93-98ab-737f-ab04-3dd8418a9c4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseRightOfUseAsset_019fec93-98ab-71b1-9c66-6073651855ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseRightOfUseAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeRightOfUseAssetAbstract_019fec93-98ab-7b55-af07-f7a5569d0aae" xlink:to="loc_us-gaap_FinanceLeaseRightOfUseAsset_019fec93-98ab-71b1-9c66-6073651855ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_019fec93-98ab-7a61-b003-8a9ec349c6f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinanceLeaseRightOfUseAsset_019fec93-98ab-71b1-9c66-6073651855ec" xlink:to="loc_us-gaap_FinanceLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_019fec93-98ab-7a61-b003-8a9ec349c6f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LesseeRightOfUseAsset_019fec93-98ab-785e-b02b-fcc497585844" xlink:href="fcnca-20260930.xsd#fcnca_LesseeRightOfUseAsset"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeRightOfUseAssetAbstract_019fec93-98ab-7b55-af07-f7a5569d0aae" xlink:to="loc_fcnca_LesseeRightOfUseAsset_019fec93-98ab-785e-b02b-fcc497585844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:href="fcnca-20260930.xsd#fcnca_LesseeLiabilityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7d85-844f-aaf8845e71ed" xlink:to="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019fec93-98ab-733a-b24c-ff46876972fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:to="loc_us-gaap_OperatingLeaseLiability_019fec93-98ab-733a-b24c-ff46876972fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_019fec93-98ab-7212-adaf-3980579f41ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiability_019fec93-98ab-733a-b24c-ff46876972fc" xlink:to="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_019fec93-98ab-7212-adaf-3980579f41ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseLiability_019fec93-98ab-79f7-9dca-917cac92d9ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:to="loc_us-gaap_FinanceLeaseLiability_019fec93-98ab-79f7-9dca-917cac92d9ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseLiabilityStatementOfFinancialPositionExtensibleList_019fec93-98ab-78c4-bd7a-c892e3c48896" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseLiabilityStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinanceLeaseLiability_019fec93-98ab-79f7-9dca-917cac92d9ba" xlink:to="loc_us-gaap_FinanceLeaseLiabilityStatementOfFinancialPositionExtensibleList_019fec93-98ab-78c4-bd7a-c892e3c48896" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LesseeLiability_019fec93-98ab-7bd2-a1a3-c537ad16aacc" xlink:href="fcnca-20260930.xsd#fcnca_LesseeLiability"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:to="loc_fcnca_LesseeLiability_019fec93-98ab-7bd2-a1a3-c537ad16aacc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_WeightedAverageRemainingLeaseTermAbstract_019fec93-98ab-79de-9415-49053c81fe4d" xlink:href="fcnca-20260930.xsd#fcnca_WeightedAverageRemainingLeaseTermAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:to="loc_fcnca_WeightedAverageRemainingLeaseTermAbstract_019fec93-98ab-79de-9415-49053c81fe4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_019fec93-98ab-7f98-80db-eb8ec43fa033" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_WeightedAverageRemainingLeaseTermAbstract_019fec93-98ab-79de-9415-49053c81fe4d" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_019fec93-98ab-7f98-80db-eb8ec43fa033" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseWeightedAverageRemainingLeaseTerm1_019fec93-98ab-7472-9e98-f3221d21ebe4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_WeightedAverageRemainingLeaseTermAbstract_019fec93-98ab-79de-9415-49053c81fe4d" xlink:to="loc_us-gaap_FinanceLeaseWeightedAverageRemainingLeaseTerm1_019fec93-98ab-7472-9e98-f3221d21ebe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_WeightedAverageDiscountRateAbstract_019fec93-98ab-7b44-866e-523825e84c83" xlink:href="fcnca-20260930.xsd#fcnca_WeightedAverageDiscountRateAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_LesseeLiabilityAbstract_019fec93-98ab-759d-b55b-d2c83afde938" xlink:to="loc_fcnca_WeightedAverageDiscountRateAbstract_019fec93-98ab-7b44-866e-523825e84c83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_019fec93-98ab-7c9c-8f76-50e42c0d31d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_WeightedAverageDiscountRateAbstract_019fec93-98ab-7b44-866e-523825e84c83" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_019fec93-98ab-7c9c-8f76-50e42c0d31d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseWeightedAverageDiscountRatePercent_019fec93-98ab-72e3-bdd8-d143b6cda922" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_WeightedAverageDiscountRateAbstract_019fec93-98ab-7b44-866e-523825e84c83" xlink:to="loc_us-gaap_FinanceLeaseWeightedAverageDiscountRatePercent_019fec93-98ab-72e3-bdd8-d143b6cda922" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASESScheduleofNetLeaseCostDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASESScheduleofNetLeaseCostDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASESScheduleofNetLeaseCostDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_019fec93-98ab-7f92-9de6-a6c19f7d68c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:to="loc_us-gaap_OperatingLeaseCost_019fec93-98ab-7f92-9de6-a6c19f7d68c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseRightOfUseAssetAmortization_019fec93-98ab-78dd-a237-10fb66878726" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseRightOfUseAssetAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:to="loc_us-gaap_FinanceLeaseRightOfUseAssetAmortization_019fec93-98ab-78dd-a237-10fb66878726" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseInterestExpense_019fec93-98ab-7771-8354-8319eda4b3ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseInterestExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:to="loc_us-gaap_FinanceLeaseInterestExpense_019fec93-98ab-7771-8354-8319eda4b3ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost_019fec93-98ab-7626-9c7f-dea93d65adc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableLeaseCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:to="loc_us-gaap_VariableLeaseCost_019fec93-98ab-7626-9c7f-dea93d65adc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubleaseIncome_019fec93-98ab-74a4-8a1d-f17d3bec8422" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubleaseIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:to="loc_us-gaap_SubleaseIncome_019fec93-98ab-74a4-8a1d-f17d3bec8422" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_019fec93-98ab-7ca4-a510-06c0a1e7027e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseCost"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7cb3-8c04-8c1fc7fb2db1" xlink:to="loc_us-gaap_LeaseCost_019fec93-98ab-7ca4-a510-06c0a1e7027e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASESScheduleofSupplementalCashFlowInformationDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASESScheduleofSupplementalCashFlowInformationDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASESScheduleofSupplementalCashFlowInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-7fb3-b9cc-8555c204580c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowOperatingActivitiesLesseeAbstract_019fec93-98ab-77eb-9f68-07a364b66adb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowOperatingActivitiesLesseeAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7fb3-b9cc-8555c204580c" xlink:to="loc_us-gaap_CashFlowOperatingActivitiesLesseeAbstract_019fec93-98ab-77eb-9f68-07a364b66adb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments_019fec93-98ab-7d83-90a7-9d6da8bf180b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeasePayments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowOperatingActivitiesLesseeAbstract_019fec93-98ab-77eb-9f68-07a364b66adb" xlink:to="loc_us-gaap_OperatingLeasePayments_019fec93-98ab-7d83-90a7-9d6da8bf180b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseInterestPaymentOnLiability_019fec93-98ab-7653-95f8-53a9408826df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeaseInterestPaymentOnLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowOperatingActivitiesLesseeAbstract_019fec93-98ab-77eb-9f68-07a364b66adb" xlink:to="loc_us-gaap_FinanceLeaseInterestPaymentOnLiability_019fec93-98ab-7653-95f8-53a9408826df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeasePrincipalPayments_019fec93-98ab-7a53-817e-c5024d043f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeasePrincipalPayments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowOperatingActivitiesLesseeAbstract_019fec93-98ab-77eb-9f68-07a364b66adb" xlink:to="loc_us-gaap_FinanceLeasePrincipalPayments_019fec93-98ab-7a53-817e-c5024d043f5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_019fec93-98ab-7652-ae69-566f048e7b9f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7fb3-b9cc-8555c204580c" xlink:to="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_019fec93-98ab-7652-ae69-566f048e7b9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RightOfUseAssetObtainedInExchangeForFinanceLeaseLiability_019fec93-98ab-7287-b0e8-49caa59ed618" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RightOfUseAssetObtainedInExchangeForFinanceLeaseLiability"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-7fb3-b9cc-8555c204580c" xlink:to="loc_us-gaap_RightOfUseAssetObtainedInExchangeForFinanceLeaseLiability_019fec93-98ab-7287-b0e8-49caa59ed618" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/LEASESScheduleofOperatingLeaseIncomeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#LEASESScheduleofOperatingLeaseIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/LEASESScheduleofOperatingLeaseIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncomeLeasePayments_019fec93-98ab-7888-9dcb-ede81ad3b44e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLeaseIncomeLeasePayments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncomeLeasePayments_019fec93-98ab-7888-9dcb-ede81ad3b44e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseVariableLeaseIncome_019fec93-98ab-780e-ba64-9c2eb529c311" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseVariableLeaseIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_OperatingLeaseVariableLeaseIncome_019fec93-98ab-780e-ba64-9c2eb529c311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncome_019fec93-98ab-7c84-9726-05ac5526c12b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLeaseIncome"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncome_019fec93-98ab-7c84-9726-05ac5526c12b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesInterestIncome_019fec93-98ab-71fb-841b-c3cea2d954d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesInterestIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesInterestIncome_019fec93-98ab-71fb-841b-c3cea2d954d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseIncome_019fec93-98ab-752a-b822-45e39ba6f9a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableLeaseIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_VariableLeaseIncome_019fec93-98ab-752a-b822-45e39ba6f9a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeveragedLeasesIncomeStatementIncomeFromLeveragedLeases_019fec93-98ab-7f07-b322-64d7bc964adc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeveragedLeasesIncomeStatementIncomeFromLeveragedLeases"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_LeveragedLeasesIncomeStatementIncomeFromLeveragedLeases_019fec93-98ab-7f07-b322-64d7bc964adc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseIncome_019fec93-98ab-7c6a-a04e-9972c9882055" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseIncome"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_019fec93-98ab-784b-8b8e-4cab372a2346" xlink:to="loc_us-gaap_LeaseIncome_019fec93-98ab-7c6a-a04e-9972c9882055" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-723b-9fd2-aac03d69cc35" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019fec93-98ab-7bda-80e2-7802945b24b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-723b-9fd2-aac03d69cc35" xlink:to="loc_us-gaap_Goodwill_019fec93-98ab-7bda-80e2-7802945b24b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_019fec93-98ab-7e72-a632-33d622eaf80d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-723b-9fd2-aac03d69cc35" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_019fec93-98ab-7e72-a632-33d622eaf80d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofGoodwillDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofGoodwillDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofGoodwillDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_01a08225-59c2-7d48-a789-56d135026b6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_01a08225-fd67-7664-833c-005171306f66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_01a08225-59c2-7d48-a789-56d135026b6f" xlink:to="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_01a08225-fd67-7664-833c-005171306f66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_01a08226-ca65-7262-b975-04cd31dad09f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_01a08225-fd67-7664-833c-005171306f66" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_01a08226-ca65-7262-b975-04cd31dad09f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a08226-ca65-7e71-b4df-c2709623cc20" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_01a08226-ca65-7262-b975-04cd31dad09f" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a08226-ca65-7e71-b4df-c2709623cc20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a08227-04a9-7fe1-86fe-13d46686e8ed" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a08226-ca65-7e71-b4df-c2709623cc20" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a08227-04a9-7fe1-86fe-13d46686e8ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_01a08225-fd67-7661-a723-0bbcb73a9604" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_01a08225-fd67-7664-833c-005171306f66" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_01a08225-fd67-7661-a723-0bbcb73a9604" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_01a08225-fd67-7e3a-a377-4a28ba4f5223" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_01a08225-fd67-7661-a723-0bbcb73a9604" xlink:to="loc_us-gaap_Goodwill_01a08225-fd67-7e3a-a377-4a28ba4f5223" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAcquiredDuringPeriod_01a08225-fd67-7a00-9098-1ac1ef15c068" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAcquiredDuringPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_01a08225-fd67-7661-a723-0bbcb73a9604" xlink:to="loc_us-gaap_GoodwillAcquiredDuringPeriod_01a08225-fd67-7a00-9098-1ac1ef15c068" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_01a08226-4663-75eb-b234-a52634c45cd0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_01a08225-fd67-7661-a723-0bbcb73a9604" xlink:to="loc_us-gaap_Goodwill_01a08226-4663-75eb-b234-a52634c45cd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofChangesinCoreDepositIntangiblesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofChangesinCoreDepositIntangiblesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofChangesinCoreDepositIntangiblesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-755a-a53a-a2c4e8cd1fd5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7b1b-9a47-c9adb3fcb4f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-755a-a53a-a2c4e8cd1fd5" xlink:to="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7b1b-9a47-c9adb3fcb4f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7964-aa41-6299534f86d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7b1b-9a47-c9adb3fcb4f6" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7964-aa41-6299534f86d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-7300-ad5e-b91cc23ec43c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7964-aa41-6299534f86d2" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-7300-ad5e-b91cc23ec43c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_019fec93-98ab-78f1-8575-eff81eea58dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-7300-ad5e-b91cc23ec43c" xlink:to="loc_us-gaap_CoreDepositsMember_019fec93-98ab-78f1-8575-eff81eea58dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_01a08146-f758-7b73-a4ce-bad8e85ccbb9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7b1b-9a47-c9adb3fcb4f6" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_01a08146-f758-7b73-a4ce-bad8e85ccbb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a08146-f758-7240-b146-2a326599c10d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_01a08146-f758-7b73-a4ce-bad8e85ccbb9" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a08146-f758-7240-b146-2a326599c10d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a08220-12f6-7375-aafc-18c4f9883b06" xlink:href="fcnca-20260930.xsd#fcnca_BankOfMontrealBankNationalAssociationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_01a08146-f758-7240-b146-2a326599c10d" xlink:to="loc_fcnca_BankOfMontrealBankNationalAssociationMember_01a08220-12f6-7375-aafc-18c4f9883b06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-78c1-8915-e38f451e6909" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7b1b-9a47-c9adb3fcb4f6" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-78c1-8915-e38f451e6909" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsRollForward_019fec93-98ab-7092-812b-86c06f2ade4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-78c1-8915-e38f451e6909" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsRollForward_019fec93-98ab-7092-812b-86c06f2ade4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-7386-9b63-1d071dc39a23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsRollForward_019fec93-98ab-7092-812b-86c06f2ade4b" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-7386-9b63-1d071dc39a23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_01a08146-f758-7efe-acb9-c9318bc67f52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinitelivedIntangibleAssetsAcquired1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsRollForward_019fec93-98ab-7092-812b-86c06f2ade4b" xlink:to="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_01a08146-f758-7efe-acb9-c9318bc67f52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019fec93-98ab-7c83-ae17-d495b4c4ddef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsRollForward_019fec93-98ab-7092-812b-86c06f2ade4b" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019fec93-98ab-7c83-ae17-d495b4c4ddef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-756e-a3eb-4294bda74d62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsRollForward_019fec93-98ab-7092-812b-86c06f2ade4b" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-756e-a3eb-4294bda74d62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofGrossCarryingAmountandAccumulatedAmortizationofCoreDepositIntangiblesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofGrossCarryingAmountandAccumulatedAmortizationofCoreDepositIntangiblesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofGrossCarryingAmountandAccumulatedAmortizationofCoreDepositIntangiblesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-738a-94cb-83b54154fc67" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7f35-9675-966880faa192" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-738a-94cb-83b54154fc67" xlink:to="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7f35-9675-966880faa192" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7679-8cfe-064ce248c4fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7f35-9675-966880faa192" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7679-8cfe-064ce248c4fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-7355-b6c0-d451d4718de8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7679-8cfe-064ce248c4fc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-7355-b6c0-d451d4718de8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_019fec93-98ab-7dd8-9589-9da63882b72d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-7355-b6c0-d451d4718de8" xlink:to="loc_us-gaap_CoreDepositsMember_019fec93-98ab-7dd8-9589-9da63882b72d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-7ee4-b712-0499be672ebb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-7f35-9675-966880faa192" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-7ee4-b712-0499be672ebb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019fec93-98ab-718e-9225-e7333fabd383" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-7ee4-b712-0499be672ebb" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019fec93-98ab-718e-9225-e7333fabd383" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019fec93-98ab-77bf-8dc1-c749b036d697" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-7ee4-b712-0499be672ebb" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019fec93-98ab-77bf-8dc1-c749b036d697" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-77e9-bb52-b44474a1ff35" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-7ee4-b712-0499be672ebb" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-77e9-bb52-b44474a1ff35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/GOODWILLANDCOREDEPOSITINTANGIBLESScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-75cf-9d9a-0c10811d1a47" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-72a2-a3d8-1111a052bead" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019fec93-98ab-75cf-9d9a-0c10811d1a47" xlink:to="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-72a2-a3d8-1111a052bead" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7200-8270-ea73d2023912" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-72a2-a3d8-1111a052bead" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7200-8270-ea73d2023912" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-740a-b920-e6613a11d84c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019fec93-98ab-7200-8270-ea73d2023912" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-740a-b920-e6613a11d84c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_019fec93-98ab-7223-9059-2577c77310a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019fec93-98ab-740a-b920-e6613a11d84c" xlink:to="loc_us-gaap_CoreDepositsMember_019fec93-98ab-7223-9059-2577c77310a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable_019fec93-98ab-72a2-a3d8-1111a052bead" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019fec93-98ab-7293-9477-b1aedbd8924a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019fec93-98ab-7293-9477-b1aedbd8924a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019fec93-98ab-71d1-8473-6c00fc2e9e5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019fec93-98ab-71d1-8473-6c00fc2e9e5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019fec93-98ab-74c3-a2f3-0b9e0dd35b17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019fec93-98ab-74c3-a2f3-0b9e0dd35b17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019fec93-98ab-7e7e-a5b3-a63301b74d54" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019fec93-98ab-7e7e-a5b3-a63301b74d54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019fec93-98ab-7d0e-a6d7-1342d6bc167d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019fec93-98ab-7d0e-a6d7-1342d6bc167d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_019fec93-98ab-7836-a1a8-ed78696f5384" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_019fec93-98ab-7836-a1a8-ed78696f5384" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_01a0cc74-f33b-78ac-a49b-375f079b70a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_01a0cc74-f33b-78ac-a49b-375f079b70a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-75de-a288-4635c7e6e464" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems_019fec93-98ab-74df-88ca-b7d01bd10668" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019fec93-98ab-75de-a288-4635c7e6e464" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESScheduleofVariableInterestEntitiesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#VARIABLEINTERESTENTITIESScheduleofVariableInterestEntitiesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESScheduleofVariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ab-78b1-afe2-e96c664133c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ab-7261-ac2f-bdead4483a42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ab-78b1-afe2-e96c664133c0" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ab-7261-ac2f-bdead4483a42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ab-7467-ad3f-6d25dea1f75a" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ab-7261-ac2f-bdead4483a42" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ab-7467-ad3f-6d25dea1f75a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ab-7315-9ae8-2743fafebb09" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ab-7467-ad3f-6d25dea1f75a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ab-7315-9ae8-2743fafebb09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019fec93-98ab-74db-8929-a74da9ef22a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ab-7315-9ae8-2743fafebb09" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019fec93-98ab-74db-8929-a74da9ef22a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019fec93-98ab-78d5-b281-e1e78f5b299e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ab-7261-ac2f-bdead4483a42" xlink:to="loc_us-gaap_InvestmentTypeAxis_019fec93-98ab-78d5-b281-e1e78f5b299e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019fec93-98ab-78d5-b281-e1e78f5b299e" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TaxCreditEquityInvestmentMember_019fec93-98ab-7165-8c9a-76d984e5fe9e" xlink:href="fcnca-20260930.xsd#fcnca_TaxCreditEquityInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:to="loc_fcnca_TaxCreditEquityInvestmentMember_019fec93-98ab-7165-8c9a-76d984e5fe9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentInQualifiedAffordableHousingProjectsMember_019fec93-98ac-7e60-86d4-63ab5704407f" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentInQualifiedAffordableHousingProjectsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_TaxCreditEquityInvestmentMember_019fec93-98ab-7165-8c9a-76d984e5fe9e" xlink:to="loc_fcnca_InvestmentInQualifiedAffordableHousingProjectsMember_019fec93-98ac-7e60-86d4-63ab5704407f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherTaxCreditEquityInvestmentMember_019fec93-98ac-7aa7-8f44-1844165ac8bd" xlink:href="fcnca-20260930.xsd#fcnca_OtherTaxCreditEquityInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_TaxCreditEquityInvestmentMember_019fec93-98ab-7165-8c9a-76d984e5fe9e" xlink:to="loc_fcnca_OtherTaxCreditEquityInvestmentMember_019fec93-98ac-7aa7-8f44-1844165ac8bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherUnconsolidatedInvestmentsMember_019fec93-98ac-7427-bded-9e8e71d9a334" xlink:href="fcnca-20260930.xsd#fcnca_OtherUnconsolidatedInvestmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:to="loc_fcnca_OtherUnconsolidatedInvestmentsMember_019fec93-98ac-7427-bded-9e8e71d9a334" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TaxCreditAndOtherUnconsolidatedVIEInvestmentsMember_019fec93-98ac-76ce-aa58-68b6d3f7b5d2" xlink:href="fcnca-20260930.xsd#fcnca_TaxCreditAndOtherUnconsolidatedVIEInvestmentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:to="loc_fcnca_TaxCreditAndOtherUnconsolidatedVIEInvestmentsMember_019fec93-98ac-76ce-aa58-68b6d3f7b5d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentSecuritiesAvailableForSaleMember_019fec93-98ac-7280-9ba5-3169483900cb" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentSecuritiesAvailableForSaleMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:to="loc_fcnca_InvestmentSecuritiesAvailableForSaleMember_019fec93-98ac-7280-9ba5-3169483900cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommitmentsToTaxCreditInvestmentsMember_019fec93-98ac-752e-8324-255b6d7826b5" xlink:href="fcnca-20260930.xsd#fcnca_CommitmentsToTaxCreditInvestmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:to="loc_fcnca_CommitmentsToTaxCreditInvestmentsMember_019fec93-98ac-752e-8324-255b6d7826b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_NMTCInvestmentMember_01a183e2-8be4-7f6f-8f5d-3d0798287660" xlink:href="fcnca-20260930.xsd#fcnca_NMTCInvestmentMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019fec93-98ab-7ed9-85b4-30364127c313" xlink:to="loc_fcnca_NMTCInvestmentMember_01a183e2-8be4-7f6f-8f5d-3d0798287660" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-7140-8e21-570649642818" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ab-7261-ac2f-bdead4483a42" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-7140-8e21-570649642818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019fec93-98ac-7ca6-897c-42e4793ae462" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-7140-8e21-570649642818" xlink:to="loc_us-gaap_Assets_019fec93-98ac-7ca6-897c-42e4793ae462" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019fec93-98ac-7aa0-86c2-598cd6b5468a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-7140-8e21-570649642818" xlink:to="loc_us-gaap_Liabilities_019fec93-98ac-7aa0-86c2-598cd6b5468a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#VARIABLEINTERESTENTITIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ac-7585-8412-443b713f0e16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-765a-a69e-01ddb94b0ef6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ac-7585-8412-443b713f0e16" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-765a-a69e-01ddb94b0ef6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7cdb-bfd4-1f190cd532bd" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-765a-a69e-01ddb94b0ef6" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7cdb-bfd4-1f190cd532bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7ad1-8c4d-9db9962682ac" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7cdb-bfd4-1f190cd532bd" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7ad1-8c4d-9db9962682ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019fec93-98ac-7a6e-be27-e27ca8cf945a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7ad1-8c4d-9db9962682ac" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019fec93-98ac-7a6e-be27-e27ca8cf945a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-98ac-7909-bb94-2877fdb68447" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-765a-a69e-01ddb94b0ef6" xlink:to="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-98ac-7909-bb94-2877fdb68447" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-98ac-7047-af54-fb7e974418f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationAxis_019fec93-98ac-7909-bb94-2877fdb68447" xlink:to="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-98ac-7047-af54-fb7e974418f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019fec93-98ac-7648-9ddc-352a78ecae5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019fec93-98ac-7047-af54-fb7e974418f7" xlink:to="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019fec93-98ac-7648-9ddc-352a78ecae5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-98ac-764c-9186-bb17880041a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-765a-a69e-01ddb94b0ef6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-98ac-764c-9186-bb17880041a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ac-7cf9-bf59-da0b470ec969" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fec93-98ac-764c-9186-bb17880041a6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ac-7cf9-bf59-da0b470ec969" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-98ac-74fb-a55b-6e2994c31625" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fec93-98ac-7cf9-bf59-da0b470ec969" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019fec93-98ac-74fb-a55b-6e2994c31625" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-765a-a69e-01ddb94b0ef6" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfOtherInvestments_019fec93-98ac-70e0-bed4-39d45d66ed29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfOtherInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_us-gaap_ProceedsFromSaleOfOtherInvestments_019fec93-98ac-70e0-bed4-39d45d66ed29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfInvestments_019fec93-98ac-7c82-bdec-b221692fa830" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSaleOfInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_us-gaap_GainLossOnSaleOfInvestments_019fec93-98ac-7c82-bdec-b221692fa830" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTaxCredit_01a166ad-f26e-7e35-873c-da3649f5b474" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTaxCredit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_us-gaap_InvestmentTaxCredit_01a166ad-f26e-7e35-873c-da3649f5b474" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_019fec93-98ac-77a8-bf47-2da477689ff5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_019fec93-98ac-77a8-bf47-2da477689ff5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SecuritizationRetainedInterestPercentage_019fec93-98ac-781e-817b-643d88229e27" xlink:href="fcnca-20260930.xsd#fcnca_SecuritizationRetainedInterestPercentage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_fcnca_SecuritizationRetainedInterestPercentage_019fec93-98ac-781e-817b-643d88229e27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SecuritizationOfferedInterestSoldPercentage_019fec93-98ac-7584-a92d-7127b897d0ea" xlink:href="fcnca-20260930.xsd#fcnca_SecuritizationOfferedInterestSoldPercentage"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_fcnca_SecuritizationOfferedInterestSoldPercentage_019fec93-98ac-7584-a92d-7127b897d0ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_019fec93-98ac-7b42-963f-e3e66f71813b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-71d6-b1f7-0f1c20056a0e" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_019fec93-98ac-7b42-963f-e3e66f71813b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESScheduleofTaxCreditInvestmentsRecognizedinIncomeTaxExpenseDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#VARIABLEINTERESTENTITIESScheduleofTaxCreditInvestmentsRecognizedinIncomeTaxExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/VARIABLEINTERESTENTITIESScheduleofTaxCreditInvestmentsRecognizedinIncomeTaxExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ac-79b5-b04e-999561038973" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-7f8a-bd30-c1e8af20431a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_019fec93-98ac-79b5-b04e-999561038973" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-7f8a-bd30-c1e8af20431a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7c5c-8575-5f4461f17900" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-7f8a-bd30-c1e8af20431a" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7c5c-8575-5f4461f17900" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7031-8742-5e2b6f85bcb5" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7c5c-8575-5f4461f17900" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7031-8742-5e2b6f85bcb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019fec93-98ac-79bd-9df0-80aacd7c1b9b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7031-8742-5e2b6f85bcb5" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019fec93-98ac-79bd-9df0-80aacd7c1b9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-70a9-83d0-c197e8a8a7d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019fec93-98ac-7f8a-bd30-c1e8af20431a" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-70a9-83d0-c197e8a8a7d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_019fec93-98ac-752b-9006-9863c7e45d8f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-70a9-83d0-c197e8a8a7d7" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_019fec93-98ac-752b-9006-9863c7e45d8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_019fec93-98ac-7389-9544-8abbc72507d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_019fec93-98ac-752b-9006-9863c7e45d8f" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_019fec93-98ac-7389-9544-8abbc72507d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag_019fec93-98ac-7cbb-a024-8aa3a8ee05b9" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_019fec93-98ac-752b-9006-9863c7e45d8f" xlink:to="loc_fcnca_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag_019fec93-98ac-7cbb-a024-8aa3a8ee05b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsTaxExpenseCredit_019fec93-98ac-750d-802f-2911942ab778" xlink:href="fcnca-20260930.xsd#fcnca_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsTaxExpenseCredit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-70a9-83d0-c197e8a8a7d7" xlink:to="loc_fcnca_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsTaxExpenseCredit_019fec93-98ac-750d-802f-2911942ab778" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_019fec93-98ac-778d-b616-a304997741b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-70a9-83d0-c197e8a8a7d7" xlink:to="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_019fec93-98ac-778d-b616-a304997741b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag_019fec93-98ac-74d7-a796-7f278fed69b6" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_019fec93-98ac-778d-b616-a304997741b0" xlink:to="loc_fcnca_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag_019fec93-98ac-74d7-a796-7f278fed69b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag_019fec93-98ac-7a35-9e31-83f3dd2817e5" xlink:href="fcnca-20260930.xsd#fcnca_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_019fec93-98ac-778d-b616-a304997741b0" xlink:to="loc_fcnca_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag_019fec93-98ac-7a35-9e31-83f3dd2817e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAndAffordableHousingTaxCreditsAndOtherTaxBenefitsNetIncomeTaxExpenseBenefit_019fec93-98ac-7296-995e-d53dfa92cb98" xlink:href="fcnca-20260930.xsd#fcnca_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAndAffordableHousingTaxCreditsAndOtherTaxBenefitsNetIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019fec93-98ac-70a9-83d0-c197e8a8a7d7" xlink:to="loc_fcnca_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAndAffordableHousingTaxCreditsAndOtherTaxBenefitsNetIncomeTaxExpenseBenefit_019fec93-98ac-7296-995e-d53dfa92cb98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BORROWINGSShorttermBorrowingsDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BORROWINGSShorttermBorrowingsDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BORROWINGSShorttermBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7c97-b417-f70b0eaf8178" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7377-8ca9-24844e34b8bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7c97-b417-f70b0eaf8178" xlink:to="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7377-8ca9-24844e34b8bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019fec93-98ac-7e8b-abef-22410d68e090" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7377-8ca9-24844e34b8bb" xlink:to="loc_us-gaap_PledgedStatusAxis_019fec93-98ac-7e8b-abef-22410d68e090" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019fec93-98ac-760e-98d5-569d7c799816" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_019fec93-98ac-7e8b-abef-22410d68e090" xlink:to="loc_us-gaap_PledgedStatusDomain_019fec93-98ac-760e-98d5-569d7c799816" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019fec93-98ac-70b5-91bf-67e6494bd057" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_019fec93-98ac-760e-98d5-569d7c799816" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019fec93-98ac-70b5-91bf-67e6494bd057" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7ef0-8415-d6e9116122bd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7377-8ca9-24844e34b8bb" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7ef0-8415-d6e9116122bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-763f-b375-d0d9557cf77a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7ef0-8415-d6e9116122bd" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-763f-b375-d0d9557cf77a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesAssetsMember_019fec93-98ac-7da6-b3ec-0a5cba964219" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-763f-b375-d0d9557cf77a" xlink:to="loc_us-gaap_SecuritiesAssetsMember_019fec93-98ac-7da6-b3ec-0a5cba964219" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7171-b230-95c9027c1a57" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7377-8ca9-24844e34b8bb" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7171-b230-95c9027c1a57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019fec93-98ac-7bd2-852a-bb2a2b44b512" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7171-b230-95c9027c1a57" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019fec93-98ac-7bd2-852a-bb2a2b44b512" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate_019fec93-98ac-78c3-8618-51154366d1ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7171-b230-95c9027c1a57" xlink:to="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseInterestRate_019fec93-98ac-78c3-8618-51154366d1ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BORROWINGSLongtermBorrowingsNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BORROWINGSLongtermBorrowingsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BORROWINGSLongtermBorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7ccf-b5ff-71fae3697a69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7ccf-b5ff-71fae3697a69" xlink:to="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7d73-91f0-e15577694dcc" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7d73-91f0-e15577694dcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7407-bf81-311a8e8ea390" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7d73-91f0-e15577694dcc" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7407-bf81-311a8e8ea390" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_019fec93-98ac-771b-8442-d70d67c53e34" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7407-bf81-311a8e8ea390" xlink:to="loc_srt_ParentCompanyMember_019fec93-98ac-771b-8442-d70d67c53e34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019fec93-98ac-758d-9399-a0ef320655b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:to="loc_us-gaap_DebtInstrumentAxis_019fec93-98ac-758d-9399-a0ef320655b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-7823-a967-cb85a2e08884" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019fec93-98ac-758d-9399-a0ef320655b8" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-7823-a967-cb85a2e08884" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFloatingSeniorNotesAt5.097Member_019fec93-98ac-79f1-b2af-f6506f6432e3" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFloatingSeniorNotesAt5.097Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-7823-a967-cb85a2e08884" xlink:to="loc_fcnca_FixedToFloatingSeniorNotesAt5.097Member_019fec93-98ac-79f1-b2af-f6506f6432e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFloatingSeniorNotesAt4.869Member_019fec93-98ac-74cc-a71b-a3673c5e06bc" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFloatingSeniorNotesAt4.869Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-7823-a967-cb85a2e08884" xlink:to="loc_fcnca_FixedToFloatingSeniorNotesAt4.869Member_019fec93-98ac-74cc-a71b-a3673c5e06bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_PurchaseMoneyNoteMember_019fec93-98ac-7b87-9725-1ce24029c4e5" xlink:href="fcnca-20260930.xsd#fcnca_PurchaseMoneyNoteMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-7823-a967-cb85a2e08884" xlink:to="loc_fcnca_PurchaseMoneyNoteMember_019fec93-98ac-7b87-9725-1ce24029c4e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019fec93-98ac-7db7-a182-05bfd3224269" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019fec93-98ac-7db7-a182-05bfd3224269" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-7122-bbbd-fa3a55ece3ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019fec93-98ac-7db7-a182-05bfd3224269" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-7122-bbbd-fa3a55ece3ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_019fec93-98ac-7f77-ba47-b28ce1ce74e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-7122-bbbd-fa3a55ece3ee" xlink:to="loc_us-gaap_SubordinatedDebtMember_019fec93-98ac-7f77-ba47-b28ce1ce74e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_019fec93-98ac-7908-af3a-8763bcfbc2b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_019fec93-98ac-7908-af3a-8763bcfbc2b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_019fec93-98ac-7c83-a452-8a9f3aae9aa4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_019fec93-98ac-7908-af3a-8763bcfbc2b3" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_019fec93-98ac-7c83-a452-8a9f3aae9aa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_019fec93-98ac-7952-a2e9-4923b7dbbd81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_019fec93-98ac-7c83-a452-8a9f3aae9aa4" xlink:to="loc_us-gaap_SubsequentEventMember_019fec93-98ac-7952-a2e9-4923b7dbbd81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-71c2-83ff-bb90069111cd" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_019fec93-98ac-7061-9b11-26ae92c70fd3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_019fec93-98ac-7061-9b11-26ae92c70fd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019fec93-98ac-7cb9-a4d7-0f4d18452ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019fec93-98ac-7cb9-a4d7-0f4d18452ff4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtExtinguishmentCosts_019fec93-98ac-796b-b133-3baef637e638" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtExtinguishmentCosts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:to="loc_us-gaap_PaymentsOfDebtExtinguishmentCosts_019fec93-98ac-796b-b133-3baef637e638" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019fec93-98ac-7dad-851f-65093c9f0748" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019fec93-98ac-7dad-851f-65093c9f0748" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueOfMinimumDepositRequired_019fec93-98ac-7ffc-ac43-e995962252ed" xlink:href="fcnca-20260930.xsd#fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueOfMinimumDepositRequired"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7161-ab70-ce457b25e043" xlink:to="loc_fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueOfMinimumDepositRequired_019fec93-98ac-7ffc-ac43-e995962252ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/BORROWINGSScheduleofLongtermBorrowingsDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#BORROWINGSScheduleofLongtermBorrowingsDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/BORROWINGSScheduleofLongtermBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7bae-a475-732ea17c6785" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7954-8ae6-3a6c19dd5505" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019fec93-98ac-7bae-a475-732ea17c6785" xlink:to="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7954-8ae6-3a6c19dd5505" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7338-8994-8dec91a66d0e" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7954-8ae6-3a6c19dd5505" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7338-8994-8dec91a66d0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7aed-a73b-36e3e49d7619" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019fec93-98ac-7338-8994-8dec91a66d0e" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7aed-a73b-36e3e49d7619" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_019fec93-98ac-7b42-a6ad-81533303e7fe" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7aed-a73b-36e3e49d7619" xlink:to="loc_srt_ParentCompanyMember_019fec93-98ac-7b42-a6ad-81533303e7fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SubsidiariesMember_019fec93-98ac-7cc6-8c89-0adffa433e09" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_SubsidiariesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019fec93-98ac-7aed-a73b-36e3e49d7619" xlink:to="loc_srt_SubsidiariesMember_019fec93-98ac-7cc6-8c89-0adffa433e09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019fec93-98ac-7af8-b586-c67c31fe5114" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7954-8ae6-3a6c19dd5505" xlink:to="loc_us-gaap_DebtInstrumentAxis_019fec93-98ac-7af8-b586-c67c31fe5114" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019fec93-98ac-7af8-b586-c67c31fe5114" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFloatingSeniorNotesAt5.231Member_019fec93-98ac-7265-b1d8-c24d7be2d25c" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFloatingSeniorNotesAt5.231Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedToFloatingSeniorNotesAt5.231Member_019fec93-98ac-7265-b1d8-c24d7be2d25c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFloatingSeniorNotesAt4.869Member_019fec93-98ac-7d68-b15d-b3c9c08041c2" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFloatingSeniorNotesAt4.869Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedToFloatingSeniorNotesAt4.869Member_019fec93-98ac-7d68-b15d-b3c9c08041c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFixedSubordinatedNotesAt5.600Member_019fec93-98ac-7832-adad-981be584f92d" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFixedSubordinatedNotesAt5.600Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedToFixedSubordinatedNotesAt5.600Member_019fec93-98ac-7832-adad-981be584f92d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFixedSubordinatedNotesAt6.254Member_019fec93-98ac-7fd6-be19-d96718c02b85" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFixedSubordinatedNotesAt6.254Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedToFixedSubordinatedNotesAt6.254Member_019fec93-98ac-7fd6-be19-d96718c02b85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedToFloatingSeniorNotesAt5.097IssuanceJune242026Member_01a183b8-c211-7c06-a74b-42970a3dc325" xlink:href="fcnca-20260930.xsd#fcnca_FixedToFloatingSeniorNotesAt5.097IssuanceJune242026Member"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedToFloatingSeniorNotesAt5.097IssuanceJune242026Member_01a183b8-c211-7c06-a74b-42970a3dc325" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedSeniorUnsecuredNotesAt6.000Member_019fec93-98ac-74a5-a84d-15fd6acbf80a" xlink:href="fcnca-20260930.xsd#fcnca_FixedSeniorUnsecuredNotesAt6.000Member"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedSeniorUnsecuredNotesAt6.000Member_019fec93-98ac-74a5-a84d-15fd6acbf80a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FixedSubordinatedNotesAt6125Member_019fec93-98ac-74fc-9c90-eeaf351bbf32" xlink:href="fcnca-20260930.xsd#fcnca_FixedSubordinatedNotesAt6125Member"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_FixedSubordinatedNotesAt6125Member_019fec93-98ac-74fc-9c90-eeaf351bbf32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_PurchaseMoneyNoteToFDICFixedAt3.500Member_019fec93-98ac-7b9c-89f6-23bebc347d3e" xlink:href="fcnca-20260930.xsd#fcnca_PurchaseMoneyNoteToFDICFixedAt3.500Member"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019fec93-98ac-72e8-8bbf-6c4778824f76" xlink:to="loc_fcnca_PurchaseMoneyNoteToFDICFixedAt3.500Member_019fec93-98ac-7b9c-89f6-23bebc347d3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019fec93-98ac-7cfe-9fe9-0a241c27e083" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7954-8ae6-3a6c19dd5505" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019fec93-98ac-7cfe-9fe9-0a241c27e083" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-76fe-83c1-d16d398ad669" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019fec93-98ac-7cfe-9fe9-0a241c27e083" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-76fe-83c1-d16d398ad669" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember_019fec93-98ac-793e-88e9-5ad489840dac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeniorNotesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-76fe-83c1-d16d398ad669" xlink:to="loc_us-gaap_SeniorNotesMember_019fec93-98ac-793e-88e9-5ad489840dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_019fec93-98ac-7e88-8b50-07e642ed0031" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-76fe-83c1-d16d398ad669" xlink:to="loc_us-gaap_SubordinatedDebtMember_019fec93-98ac-7e88-8b50-07e642ed0031" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_019fec93-98ac-7208-9b5c-fb17c7c8daa4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebtMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019fec93-98ac-76fe-83c1-d16d398ad669" xlink:to="loc_us-gaap_SecuredDebtMember_019fec93-98ac-7208-9b5c-fb17c7c8daa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019fec93-98ac-7954-8ae6-3a6c19dd5505" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019fec93-98ac-75a9-a86e-e8cb60197d2a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019fec93-98ac-75a9-a86e-e8cb60197d2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_019fec93-98ac-7397-9f9c-431b2180de68" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_019fec93-98ac-7397-9f9c-431b2180de68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019fec93-98ac-76d7-8adb-9fce1f357581" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_019fec93-98ac-76d7-8adb-9fce1f357581" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FinanceLeaseLiabilityNet_019fec93-98ac-70e0-a492-edc082458490" xlink:href="fcnca-20260930.xsd#fcnca_FinanceLeaseLiabilityNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:to="loc_fcnca_FinanceLeaseLiabilityNet_019fec93-98ac-70e0-a492-edc082458490" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_019fec93-98ac-70f0-8171-00322700d035" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligations"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_019fec93-98ac-70f0-8171-00322700d035" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019fec93-98ac-7d79-80b0-68e30f1b27ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019fec93-98ac-7179-bbb4-f03a34cc1b8a" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019fec93-98ac-7d79-80b0-68e30f1b27ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofDerivativeInstrumentsDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofDerivativeInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofDerivativeInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7091-9bf7-e3cbe0875eab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7091-9bf7-e3cbe0875eab" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7f91-9543-504b135d9378" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7f91-9543-504b135d9378" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-72a0-8a95-07f2980edeb0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7f91-9543-504b135d9378" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-72a0-8a95-07f2980edeb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-75a5-9686-9cd5be570fb5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-72a0-8a95-07f2980edeb0" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-75a5-9686-9cd5be570fb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019fec93-98ac-7db2-9105-f3b1a292811b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-72a0-8a95-07f2980edeb0" xlink:to="loc_us-gaap_NondesignatedMember_019fec93-98ac-7db2-9105-f3b1a292811b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7754-914f-2277a5b4ba92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7754-914f-2277a5b4ba92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-787c-827a-20db85032e9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7754-914f-2277a5b4ba92" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-787c-827a-20db85032e9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019fec93-98ac-76a7-abe5-71b1a08d56d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateContractMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-787c-827a-20db85032e9a" xlink:to="loc_us-gaap_InterestRateContractMember_019fec93-98ac-76a7-abe5-71b1a08d56d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignExchangeContractMember_019fec93-98ac-7d08-bc70-701cebbd1f44" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ForeignExchangeContractMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-787c-827a-20db85032e9a" xlink:to="loc_us-gaap_ForeignExchangeContractMember_019fec93-98ac-7d08-bc70-701cebbd1f44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ForeignExchangeSpotContractMember_019fec93-98ac-7e9c-968e-08ff1e2a8b95" xlink:href="fcnca-20260930.xsd#fcnca_ForeignExchangeSpotContractMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ForeignExchangeContractMember_019fec93-98ac-7d08-bc70-701cebbd1f44" xlink:to="loc_fcnca_ForeignExchangeSpotContractMember_019fec93-98ac-7e9c-968e-08ff1e2a8b95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_01a081bf-f954-7bb2-9b67-745f9bb378e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WarrantMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-787c-827a-20db85032e9a" xlink:to="loc_us-gaap_WarrantMember_01a081bf-f954-7bb2-9b67-745f9bb378e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherContractMember_019fec93-98ac-7fd5-bbfc-2cfb3d7a16c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherContractMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-787c-827a-20db85032e9a" xlink:to="loc_us-gaap_OtherContractMember_019fec93-98ac-7fd5-bbfc-2cfb3d7a16c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019fec93-98ac-7c5b-ac16-65062c019003" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019fec93-98ac-7c5b-ac16-65062c019003" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-7f5e-a33f-42b7f91d7b61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019fec93-98ac-7c5b-ac16-65062c019003" xlink:to="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-7f5e-a33f-42b7f91d7b61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_019fec93-98ac-71aa-9cad-dcf236d6e5c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-7f5e-a33f-42b7f91d7b61" xlink:to="loc_us-gaap_FairValueHedgingMember_019fec93-98ac-71aa-9cad-dcf236d6e5c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_019fec93-98ac-7dd4-88b0-7496d3cc261a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-7f5e-a33f-42b7f91d7b61" xlink:to="loc_us-gaap_CashFlowHedgingMember_019fec93-98ac-7dd4-88b0-7496d3cc261a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-70d4-a8ec-36195d5d4f05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-70d4-a8ec-36195d5d4f05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7ffa-8e23-f408fe3d8f4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-70d4-a8ec-36195d5d4f05" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7ffa-8e23-f408fe3d8f4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMember_019fec93-98ac-7611-b111-7a2bb3b054ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7ffa-8e23-f408fe3d8f4e" xlink:to="loc_us-gaap_LongTermDebtMember_019fec93-98ac-7611-b111-7a2bb3b054ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansMember_019fec93-98ac-7c7d-8412-b7088e1f85aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7ffa-8e23-f408fe3d8f4e" xlink:to="loc_us-gaap_LoansMember_019fec93-98ac-7c7d-8412-b7088e1f85aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-75e3-9e49-3029bfa870c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7292-8008-dc3dca289191" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-75e3-9e49-3029bfa870c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019fec93-98ac-7342-82c1-7d80544bcc69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-75e3-9e49-3029bfa870c3" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019fec93-98ac-7342-82c1-7d80544bcc69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7500-b658-eef1f8d90f62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingDerivativeAssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeNotionalAmount_019fec93-98ac-7342-82c1-7d80544bcc69" xlink:to="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7500-b658-eef1f8d90f62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-732b-84b9-bed552b68a40" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7500-b658-eef1f8d90f62" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-732b-84b9-bed552b68a40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7d33-aa23-f08b45aec87e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingDerivativeLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeNotionalAmount_019fec93-98ac-7342-82c1-7d80544bcc69" xlink:to="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7d33-aa23-f08b45aec87e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-7ad2-858e-0469613528bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7d33-aa23-f08b45aec87e" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-7ad2-858e-0469613528bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeNet_019fec93-98ac-7063-8b38-5d0116a95d14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-75e3-9e49-3029bfa870c3" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeNet_019fec93-98ac-7063-8b38-5d0116a95d14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofAdjustmentstotheDerivativeAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofAdjustmentstotheDerivativeAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofAdjustmentstotheDerivativeAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7cc4-aaa2-db3195f05837" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7309-816f-c36b343e7ffb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7cc4-aaa2-db3195f05837" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7309-816f-c36b343e7ffb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7af6-96a7-e5258357036f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7309-816f-c36b343e7ffb" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7af6-96a7-e5258357036f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7b9d-8f34-62732d14eda0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7af6-96a7-e5258357036f" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7b9d-8f34-62732d14eda0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-70c5-8cd4-49ea98724099" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7b9d-8f34-62732d14eda0" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-70c5-8cd4-49ea98724099" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019fec93-98ac-72da-a9e4-756db182d55c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7b9d-8f34-62732d14eda0" xlink:to="loc_us-gaap_NondesignatedMember_019fec93-98ac-72da-a9e4-756db182d55c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7259-adac-7692747f24c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7309-816f-c36b343e7ffb" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7259-adac-7692747f24c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingDerivativeAssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7259-adac-7692747f24c7" xlink:to="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019fec93-98ac-7a8c-8615-bcf0f0964e8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019fec93-98ac-7a8c-8615-bcf0f0964e8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DerivativeAssetSubjectToMasterNetAdjustmentsForVariationMarginPayments_019fec93-98ac-7d0f-b78a-274c716ffcac" xlink:href="fcnca-20260930.xsd#fcnca_DerivativeAssetSubjectToMasterNetAdjustmentsForVariationMarginPayments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_fcnca_DerivativeAssetSubjectToMasterNetAdjustmentsForVariationMarginPayments_019fec93-98ac-7d0f-b78a-274c716ffcac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetAfterOffsetSubjectToMasterNettingArrangement_019fec93-98ac-7c0f-b80e-72d8c3304967" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetAfterOffsetSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_us-gaap_DerivativeAssetAfterOffsetSubjectToMasterNettingArrangement_019fec93-98ac-7c0f-b80e-72d8c3304967" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-7491-82f8-410692385145" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-7491-82f8-410692385145" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DerivativeAssetSubjectToMasterNettingArrangementDeduction_019fec93-98ac-7eef-854c-ceb45904afc4" xlink:href="fcnca-20260930.xsd#fcnca_DerivativeAssetSubjectToMasterNettingArrangementDeduction"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_fcnca_DerivativeAssetSubjectToMasterNettingArrangementDeduction_019fec93-98ac-7eef-854c-ceb45904afc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019fec93-98ac-7321-8095-d1b9757e1596" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019fec93-98ac-7321-8095-d1b9757e1596" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DerivativeAssetsAtFairValueNet_019fec93-98ac-7bde-90bc-f67eaa377cc4" xlink:href="fcnca-20260930.xsd#fcnca_DerivativeAssetsAtFairValueNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019fec93-98ac-7867-922d-c21a853e2f68" xlink:to="loc_fcnca_DerivativeAssetsAtFairValueNet_019fec93-98ac-7bde-90bc-f67eaa377cc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingDerivativeLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7259-adac-7692747f24c7" xlink:to="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019fec93-98ac-72ab-8f5c-6e9999183ad6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019fec93-98ac-72ab-8f5c-6e9999183ad6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DerivativeLiabilitySubjectToMasterNetAdjustmentsForVariationMarginPayments_019fec93-98ac-7cb2-850b-d30bf24a7943" xlink:href="fcnca-20260930.xsd#fcnca_DerivativeLiabilitySubjectToMasterNetAdjustmentsForVariationMarginPayments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_fcnca_DerivativeLiabilitySubjectToMasterNetAdjustmentsForVariationMarginPayments_019fec93-98ac-7cb2-850b-d30bf24a7943" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityAfterOffsetSubjectToMasterNettingArrangement_019fec93-98ac-7482-9f45-6b376827a36f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityAfterOffsetSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_us-gaap_DerivativeLiabilityAfterOffsetSubjectToMasterNettingArrangement_019fec93-98ac-7482-9f45-6b376827a36f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-7e65-b336-8fc784bd6704" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019fec93-98ac-7e65-b336-8fc784bd6704" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DerivativeLiabilitySubjectToMasterNettingArrangementDeduction_019fec93-98ac-7808-ac17-e927fa9d62a6" xlink:href="fcnca-20260930.xsd#fcnca_DerivativeLiabilitySubjectToMasterNettingArrangementDeduction"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_fcnca_DerivativeLiabilitySubjectToMasterNettingArrangementDeduction_019fec93-98ac-7808-ac17-e927fa9d62a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019fec93-98ac-7f06-beac-58e5896b76a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019fec93-98ac-7f06-beac-58e5896b76a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DerivativeLiabilitiesAtFairValueNet_019fec93-98ac-792e-bc6d-75513af4ebce" xlink:href="fcnca-20260930.xsd#fcnca_DerivativeLiabilitiesAtFairValueNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019fec93-98ac-7e3f-a8e9-6a064f0566ea" xlink:to="loc_fcnca_DerivativeLiabilitiesAtFairValueNet_019fec93-98ac-792e-bc6d-75513af4ebce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofDerivativeInstrumentsFairValueHedgesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofDerivativeInstrumentsFairValueHedgesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofDerivativeInstrumentsFairValueHedgesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-768c-848e-1fa4746cc264" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-768c-848e-1fa4746cc264" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7029-b736-659ee8e0f29e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7029-b736-659ee8e0f29e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7239-ac2d-1737e102f2d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7029-b736-659ee8e0f29e" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7239-ac2d-1737e102f2d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-7ac5-b8aa-ff362a475041" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7239-ac2d-1737e102f2d6" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-7ac5-b8aa-ff362a475041" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7379-a5cb-8b83cccfbaaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7379-a5cb-8b83cccfbaaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-73ec-b171-080fd473557c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7379-a5cb-8b83cccfbaaa" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-73ec-b171-080fd473557c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019fec93-98ac-7cc9-832a-eb9b77091984" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateContractMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-73ec-b171-080fd473557c" xlink:to="loc_us-gaap_InterestRateContractMember_019fec93-98ac-7cc9-832a-eb9b77091984" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-71ab-850f-41dd2ca43228" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-71ab-850f-41dd2ca43228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7889-bf20-757a9cd07a5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-71ab-850f-41dd2ca43228" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7889-bf20-757a9cd07a5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BorrowingsMember_019fec93-98ac-7ac5-9165-7fd012ea8248" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BorrowingsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7889-bf20-757a9cd07a5a" xlink:to="loc_us-gaap_BorrowingsMember_019fec93-98ac-7ac5-9165-7fd012ea8248" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankTimeDepositsMember_01a08230-38a0-75a5-8595-85fd83e76a4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BankTimeDepositsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7889-bf20-757a9cd07a5a" xlink:to="loc_us-gaap_BankTimeDepositsMember_01a08230-38a0-75a5-8595-85fd83e76a4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019fec93-98ac-768f-8103-9db547c31de2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019fec93-98ac-768f-8103-9db547c31de2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-79c9-82b3-a8873369c0dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019fec93-98ac-768f-8103-9db547c31de2" xlink:to="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-79c9-82b3-a8873369c0dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_019fec93-98ac-73c9-926f-514df046de47" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019fec93-98ac-79c9-82b3-a8873369c0dd" xlink:to="loc_us-gaap_FairValueHedgingMember_019fec93-98ac-73c9-926f-514df046de47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7d3b-9c0c-890b58bd7972" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-7cf3-a356-b31609ac590f" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7d3b-9c0c-890b58bd7972" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_019fec93-98ac-706d-817d-05cccbb9f55b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7d3b-9c0c-890b58bd7972" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_019fec93-98ac-706d-817d-05cccbb9f55b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_019fec93-98ac-7b10-b59f-c80aba36c85b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7d3b-9c0c-890b58bd7972" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_019fec93-98ac-7b10-b59f-c80aba36c85b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_019fec93-98ac-7166-8af9-3499c56ee9db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7d3b-9c0c-890b58bd7972" xlink:to="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_019fec93-98ac-7166-8af9-3499c56ee9db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofFairValueHedgesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofFairValueHedgesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofFairValueHedgesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-72d6-a304-dffd52bc032d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-79c7-8234-1c9e4830cd05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-72d6-a304-dffd52bc032d" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-79c7-8234-1c9e4830cd05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7480-8242-22a7e7fe8c11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-79c7-8234-1c9e4830cd05" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7480-8242-22a7e7fe8c11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7c2a-9661-b830b751346b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7480-8242-22a7e7fe8c11" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7c2a-9661-b830b751346b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-71c2-a4b4-d8672c9195eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7c2a-9661-b830b751346b" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-71c2-a4b4-d8672c9195eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019fec93-98ac-72b8-9f15-6827201f895f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7c2a-9661-b830b751346b" xlink:to="loc_us-gaap_NondesignatedMember_019fec93-98ac-72b8-9f15-6827201f895f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-737e-9900-b46325930cc4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-79c7-8234-1c9e4830cd05" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-737e-9900-b46325930cc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7f33-a544-bdb53306370b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-737e-9900-b46325930cc4" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7f33-a544-bdb53306370b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMember_019fec93-98ac-7157-9027-6e26c99e1308" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7f33-a544-bdb53306370b" xlink:to="loc_us-gaap_LongTermDebtMember_019fec93-98ac-7157-9027-6e26c99e1308" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7832-b609-b5ca46a05fbe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-79c7-8234-1c9e4830cd05" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7832-b609-b5ca46a05fbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge_019fec93-98ac-72ab-bedf-d39dc74bcc11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7832-b609-b5ca46a05fbe" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedge_019fec93-98ac-72ab-bedf-d39dc74bcc11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease_019fec93-98ac-72b7-99be-bfb95d30afa8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7832-b609-b5ca46a05fbe" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease_019fec93-98ac-72b7-99be-bfb95d30afa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofOtherComprehensiveLossGainonCashFlowHedgesPretaxDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofOtherComprehensiveLossGainonCashFlowHedgesPretaxDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofOtherComprehensiveLossGainonCashFlowHedgesPretaxDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7bf6-af70-70899509127e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_01a198bb-55d3-7df2-97fe-9c45d57f530c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7bf6-af70-70899509127e" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_01a198bb-55d3-7df2-97fe-9c45d57f530c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_01a198bb-55d3-7ddd-abea-79dea3432513" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_01a198bb-55d3-7df2-97fe-9c45d57f530c" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_01a198bb-55d3-7ddd-abea-79dea3432513" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_01a198bb-55d3-7bc8-980e-44c614d4455a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_01a198bb-55d3-7ddd-abea-79dea3432513" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_01a198bb-55d3-7bc8-980e-44c614d4455a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_01a198bb-55d3-79fa-b63a-50da2fb5e68f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_01a198bb-55d3-7bc8-980e-44c614d4455a" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_01a198bb-55d3-79fa-b63a-50da2fb5e68f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_01a198bb-55d3-7aee-9427-f0a9426422a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_01a198bb-55d3-7df2-97fe-9c45d57f530c" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_01a198bb-55d3-7aee-9427-f0a9426422a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_01a198bb-55d3-7064-bb97-45f469d92cd4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_01a198bb-55d3-7aee-9427-f0a9426422a7" xlink:to="loc_us-gaap_EquityComponentDomain_01a198bb-55d3-7064-bb97-45f469d92cd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_01a198bb-55d3-738d-8821-37c5a015137f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_01a198bb-55d3-7064-bb97-45f469d92cd4" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_01a198bb-55d3-738d-8821-37c5a015137f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_01a198bb-55d3-7cfe-bc55-71b4c7a312af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_01a198bb-55d3-7df2-97fe-9c45d57f530c" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_01a198bb-55d3-7cfe-bc55-71b4c7a312af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019fec93-98ac-79a0-9db8-45803352c567" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_01a198bb-55d3-7cfe-bc55-71b4c7a312af" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019fec93-98ac-79a0-9db8-45803352c567" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019fec93-98ac-71f7-ab70-34c126d4187f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_01a198bb-55d3-7cfe-bc55-71b4c7a312af" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019fec93-98ac-71f7-ab70-34c126d4187f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019fec93-98ac-7a69-ab84-18c3ac2c7999" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_01a198bb-55d3-7cfe-bc55-71b4c7a312af" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019fec93-98ac-7a69-ab84-18c3ac2c7999" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_01a198bb-55d3-7067-98cd-a4d166d8fcce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_01a198bb-55d3-7cfe-bc55-71b4c7a312af" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_01a198bb-55d3-7067-98cd-a4d166d8fcce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofOtherInformationforCashFlowHedgesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofOtherInformationforCashFlowHedgesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofOtherInformationforCashFlowHedgesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7577-84c6-e9a1925dd8fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-714a-ad80-f4ac9eba020f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-7577-84c6-e9a1925dd8fa" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-714a-ad80-f4ac9eba020f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019fec93-98ac-7e7c-9329-7d40ec0416a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-714a-ad80-f4ac9eba020f" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019fec93-98ac-7e7c-9329-7d40ec0416a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019fec93-98ac-7a61-89f6-f1f84bfd488e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019fec93-98ac-7e7c-9329-7d40ec0416a9" xlink:to="loc_us-gaap_EquityComponentDomain_019fec93-98ac-7a61-89f6-f1f84bfd488e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-98ac-7f1d-ac8b-ddeb3c3ea603" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-98ac-7a61-89f6-f1f84bfd488e" xlink:to="loc_fcnca_AOCIAccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-98ac-7f1d-ac8b-ddeb3c3ea603" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-738d-9fe3-aa73eb3b3f04" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-714a-ad80-f4ac9eba020f" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-738d-9fe3-aa73eb3b3f04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019fec93-98ac-7312-af32-b240cf140116" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-738d-9fe3-aa73eb3b3f04" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019fec93-98ac-7312-af32-b240cf140116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019fec93-98ac-715d-b2ca-6e9b0e415077" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-738d-9fe3-aa73eb3b3f04" xlink:to="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019fec93-98ac-715d-b2ca-6e9b0e415077" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MaximumLengthOfTimeHedgedInCashFlowHedge1_019fec93-98ac-7822-8050-5d6fbbe8a827" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MaximumLengthOfTimeHedgedInCashFlowHedge1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-738d-9fe3-aa73eb3b3f04" xlink:to="loc_us-gaap_MaximumLengthOfTimeHedgedInCashFlowHedge1_019fec93-98ac-7822-8050-5d6fbbe8a827" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofNonQualifyingHedgesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#DERIVATIVEFINANCIALINSTRUMENTSScheduleofNonQualifyingHedgesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/DERIVATIVEFINANCIALINSTRUMENTSScheduleofNonQualifyingHedgesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-79b9-aba7-01820586e2b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-78ad-82fc-b1880a7829e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_019fec93-98ac-79b9-aba7-01820586e2b3" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-78ad-82fc-b1880a7829e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7018-9ad0-465da4961562" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-78ad-82fc-b1880a7829e2" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7018-9ad0-465da4961562" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7a3e-afba-54d8ec2f2ff3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7018-9ad0-465da4961562" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7a3e-afba-54d8ec2f2ff3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019fec93-98ac-7edc-bfa4-ed9390a5da53" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateContractMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7a3e-afba-54d8ec2f2ff3" xlink:to="loc_us-gaap_InterestRateContractMember_019fec93-98ac-7edc-bfa4-ed9390a5da53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignExchangeForwardMember_019fec93-98ac-7fe3-abac-492dedea97d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ForeignExchangeForwardMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7a3e-afba-54d8ec2f2ff3" xlink:to="loc_us-gaap_ForeignExchangeForwardMember_019fec93-98ac-7fe3-abac-492dedea97d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_01a081bd-11e5-74b6-bb70-a984d079d702" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WarrantMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7a3e-afba-54d8ec2f2ff3" xlink:to="loc_us-gaap_WarrantMember_01a081bd-11e5-74b6-bb70-a984d079d702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7244-b189-a34941e8d9ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-78ad-82fc-b1880a7829e2" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7244-b189-a34941e8d9ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7137-856a-c995e5a9bc97" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7244-b189-a34941e8d9ff" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7137-856a-c995e5a9bc97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019fec93-98ac-70db-90b1-167c7f7c0fa2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7137-856a-c995e5a9bc97" xlink:to="loc_us-gaap_NondesignatedMember_019fec93-98ac-70db-90b1-167c7f7c0fa2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7b2d-ab2d-45bede691349" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fec93-98ac-78ad-82fc-b1880a7829e2" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7b2d-ab2d-45bede691349" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_019fec93-98ac-7672-8f78-232c0d4208cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019fec93-98ac-7b2d-ab2d-45bede691349" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_019fec93-98ac-7672-8f78-232c0d4208cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUEScheduleofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7667-ae57-c5d9d236309e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7667-ae57-c5d9d236309e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-7ef5-ad0d-b673cb6d1773" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-7ef5-ad0d-b673cb6d1773" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-7e8d-a3d6-fdf9cc17e6bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-7ef5-ad0d-b673cb6d1773" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-7e8d-a3d6-fdf9cc17e6bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019fec93-98ac-7041-9950-266e9eca5f06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-7e8d-a3d6-fdf9cc17e6bc" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019fec93-98ac-7041-9950-266e9eca5f06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7957-a0d5-02ba37753c0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7957-a0d5-02ba37753c0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7957-a0d5-02ba37753c0f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019fec93-98ac-7bd9-8d4e-5d6c493f77ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019fec93-98ac-7bd9-8d4e-5d6c493f77ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019fec93-98ac-73ca-a068-89589c52f662" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019fec93-98ac-73ca-a068-89589c52f662" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-98ac-7158-b1e0-d086ac9eb61c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019fec93-98ac-7158-b1e0-d086ac9eb61c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-98ac-7af1-a1b8-7c40236d1af1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019fec93-98ac-7af1-a1b8-7c40236d1af1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-98ac-7d52-8b1b-b17c905bfe16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-98ac-7d52-8b1b-b17c905bfe16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_019fec93-98ac-7897-80e0-eda3c01822d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_MunicipalBondsMember_019fec93-98ac-7897-80e0-eda3c01822d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-98ac-7bf6-aeaa-a14223c621e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7cbf-ab07-6fce5644ea12" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019fec93-98ac-7bf6-aeaa-a14223c621e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-79b1-a0f3-25958aace7ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-79b1-a0f3-25958aace7ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7da7-b457-efd5d5a162d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-79b1-a0f3-25958aace7ce" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7da7-b457-efd5d5a162d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019fec93-98ac-7c22-ba73-7403f0827981" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7da7-b457-efd5d5a162d2" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019fec93-98ac-7c22-ba73-7403f0827981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019fec93-98ac-74de-a0b6-b9397aecfe3b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7da7-b457-efd5d5a162d2" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019fec93-98ac-74de-a0b6-b9397aecfe3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7d0f-80d4-1821a6cfd391" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7da7-b457-efd5d5a162d2" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7d0f-80d4-1821a6cfd391" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7fe7-bd5f-6882cf42b1cb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7fe7-bd5f-6882cf42b1cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7880-8a0d-e5f704454e59" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019fec93-98ac-7fe7-bd5f-6882cf42b1cb" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7880-8a0d-e5f704454e59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019fec93-98ac-7f6a-873d-273dc031995a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateContractMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7880-8a0d-e5f704454e59" xlink:to="loc_us-gaap_InterestRateContractMember_019fec93-98ac-7f6a-873d-273dc031995a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignExchangeContractMember_019fec93-98ac-76ab-b8b3-f08e8638f032" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ForeignExchangeContractMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7880-8a0d-e5f704454e59" xlink:to="loc_us-gaap_ForeignExchangeContractMember_019fec93-98ac-76ab-b8b3-f08e8638f032" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_01a081d3-f67d-7a5c-800f-779ae5c889d9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WarrantMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7880-8a0d-e5f704454e59" xlink:to="loc_us-gaap_WarrantMember_01a081d3-f67d-7a5c-800f-779ae5c889d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherDerivativeMember_019fec93-98ac-7b2b-9ac5-0d3c2ffcf460" xlink:href="fcnca-20260930.xsd#fcnca_OtherDerivativeMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019fec93-98ac-7880-8a0d-e5f704454e59" xlink:to="loc_fcnca_OtherDerivativeMember_019fec93-98ac-7b2b-9ac5-0d3c2ffcf460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7438-9d19-db14bafafd61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7438-9d19-db14bafafd61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7fdb-9583-057e06114dd2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7438-9d19-db14bafafd61" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7fdb-9583-057e06114dd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-79ae-bf98-d50a2bab6202" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7fdb-9583-057e06114dd2" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019fec93-98ac-79ae-bf98-d50a2bab6202" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019fec93-98ac-79bb-9699-0677e4e9ef49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7fdb-9583-057e06114dd2" xlink:to="loc_us-gaap_NondesignatedMember_019fec93-98ac-79bb-9699-0677e4e9ef49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-731d-8fdb-06093a30584f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-98ac-762c-9bfc-58697dabdc84" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-98ac-762c-9bfc-58697dabdc84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_019fec93-98ac-76d3-a7ef-271ccc5b77b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_019fec93-98ac-76d3-a7ef-271ccc5b77b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019fec93-98ac-7d6f-b83c-990ae3280b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019fec93-98ac-7d6f-b83c-990ae3280b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019fec93-98ac-71e0-8bf0-461d8f011e97" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019fec93-98ac-71e0-8bf0-461d8f011e97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019fec93-98ac-7571-841f-dda623860299" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:to="loc_us-gaap_DerivativeAssets_019fec93-98ac-7571-841f-dda623860299" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019fec93-98ac-7cd3-8ea8-386b011c971f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7ec9-8e6d-d722a09dfcc5" xlink:to="loc_us-gaap_DerivativeLiabilities_019fec93-98ac-7cd3-8ea8-386b011c971f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueMeasurementInputsandValuationTechniquesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUEScheduleofFairValueMeasurementInputsandValuationTechniquesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueMeasurementInputsandValuationTechniquesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7780-95de-f87cecf7a18b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7fa2-9c5c-e9e01fa23d9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7780-95de-f87cecf7a18b" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7fa2-9c5c-e9e01fa23d9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-718a-bcb8-2057f501de79" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7fa2-9c5c-e9e01fa23d9a" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-718a-bcb8-2057f501de79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-77fa-b263-1bc9da97b918" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-718a-bcb8-2057f501de79" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-77fa-b263-1bc9da97b918" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019fec93-98ac-72c2-9d5f-9e0600754fc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-77fa-b263-1bc9da97b918" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019fec93-98ac-72c2-9d5f-9e0600754fc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-7233-81d5-40dda8e776ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7fa2-9c5c-e9e01fa23d9a" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-7233-81d5-40dda8e776ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7f50-b8f6-5dbe243ad3d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-7233-81d5-40dda8e776ad" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7f50-b8f6-5dbe243ad3d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7907-8f98-2dbcae919770" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7f50-b8f6-5dbe243ad3d8" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7907-8f98-2dbcae919770" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-739c-b0cc-7c38a4905b4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7fa2-9c5c-e9e01fa23d9a" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-739c-b0cc-7c38a4905b4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-753f-b853-5d3ae946aab7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-739c-b0cc-7c38a4905b4f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-753f-b853-5d3ae946aab7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-98ac-7807-9c9f-5e82d17e2998" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-753f-b853-5d3ae946aab7" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-98ac-7807-9c9f-5e82d17e2998" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestRateAndOtherDerivativeMember_019fec93-98ac-7831-b46c-57049d1a475b" xlink:href="fcnca-20260930.xsd#fcnca_InterestRateAndOtherDerivativeMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-753f-b853-5d3ae946aab7" xlink:to="loc_fcnca_InterestRateAndOtherDerivativeMember_019fec93-98ac-7831-b46c-57049d1a475b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7e11-98e1-a41634a89b63" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7fa2-9c5c-e9e01fa23d9a" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7e11-98e1-a41634a89b63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-98ac-7b71-a339-ed90a14648fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7e11-98e1-a41634a89b63" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-98ac-7b71-a339-ed90a14648fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019fec93-98ac-77e1-b258-632a8fd731bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7e11-98e1-a41634a89b63" xlink:to="loc_us-gaap_DerivativeAssets_019fec93-98ac-77e1-b258-632a8fd731bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_01a183b4-bc5e-7332-9405-525c5d4bb824" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7e11-98e1-a41634a89b63" xlink:to="loc_us-gaap_DerivativeLiabilities_01a183b4-bc5e-7332-9405-525c5d4bb824" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisUnobservableInputReconciliationDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUEScheduleofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisUnobservableInputReconciliationDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisUnobservableInputReconciliationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7913-a847-f0bc2047902d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019fec93-98ac-7fa8-9bb5-41922d8c7404" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7913-a847-f0bc2047902d" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019fec93-98ac-7fa8-9bb5-41922d8c7404" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-74ff-9e94-5ed84a5f8356" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019fec93-98ac-7fa8-9bb5-41922d8c7404" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-74ff-9e94-5ed84a5f8356" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-7745-bb48-7b0c6ea87399" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-74ff-9e94-5ed84a5f8356" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-7745-bb48-7b0c6ea87399" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019fec93-98ac-7288-b218-8d74ef76bd57" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-7745-bb48-7b0c6ea87399" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019fec93-98ac-7288-b218-8d74ef76bd57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_019fec93-98ac-7d23-a2ce-a96fc1abc9ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019fec93-98ac-7fa8-9bb5-41922d8c7404" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_019fec93-98ac-7d23-a2ce-a96fc1abc9ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019fec93-98ac-7a1f-9991-ecab5898c5bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019fec93-98ac-7d23-a2ce-a96fc1abc9ce" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019fec93-98ac-7a1f-9991-ecab5898c5bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-98ac-782b-8082-621bcdd4d803" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019fec93-98ac-7a1f-9991-ecab5898c5bc" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_019fec93-98ac-782b-8082-621bcdd4d803" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFinancialInstrumentsAssetsMember_019fec93-98ac-7116-9ea5-221a85fa1eec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFinancialInstrumentsAssetsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019fec93-98ac-7a1f-9991-ecab5898c5bc" xlink:to="loc_us-gaap_DerivativeFinancialInstrumentsAssetsMember_019fec93-98ac-7116-9ea5-221a85fa1eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-7a15-84be-f9e92ed0b20e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019fec93-98ac-7fa8-9bb5-41922d8c7404" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-7a15-84be-f9e92ed0b20e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7b46-a0c2-673c271763da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_019fec93-98ac-7a15-84be-f9e92ed0b20e" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7b46-a0c2-673c271763da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_019fec93-98ac-7002-a3e7-dbebf7698121" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019fec93-98ac-7b46-a0c2-673c271763da" xlink:to="loc_us-gaap_DerivativeFinancialInstrumentsLiabilitiesMember_019fec93-98ac-7002-a3e7-dbebf7698121" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019fec93-98ac-7c34-84a3-eec5af4686e8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019fec93-98ac-7fa8-9bb5-41922d8c7404" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019fec93-98ac-7c34-84a3-eec5af4686e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019fec93-98ac-7c34-84a3-eec5af4686e8" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019fec93-98ac-7b21-98d6-11e9913f3a1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019fec93-98ac-7b21-98d6-11e9913f3a1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_019fec93-98ac-75b8-b433-ce6f7f20a123" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_019fec93-98ac-75b8-b433-ce6f7f20a123" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_019fec93-98ac-760b-afa2-a89bf07b9400" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_019fec93-98ac-760b-afa2-a89bf07b9400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_019fec93-98ac-7437-ac6b-116e76194c1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_019fec93-98ac-7437-ac6b-116e76194c1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_019fec93-98ac-7aeb-aa99-03a73ee5d326" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_019fec93-98ac-7aeb-aa99-03a73ee5d326" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019fec93-98ac-7e15-9962-0f9fc9dd70d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-7b3d-9f09-c3da9c4ad9ec" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019fec93-98ac-7e15-9962-0f9fc9dd70d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019fec93-98ac-7c34-84a3-eec5af4686e8" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_019fec93-98ac-7308-a289-5eee54e89845" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_019fec93-98ac-7308-a289-5eee54e89845" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases_019fec93-98ac-76fd-8ec7-8744d0098f93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityPurchases_019fec93-98ac-76fd-8ec7-8744d0098f93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_019fec93-98ac-75b7-83c4-6f8340a6486d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_019fec93-98ac-75b7-83c4-6f8340a6486d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome_019fec93-98ac-777d-95df-7a5d64ea0513" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome_019fec93-98ac-777d-95df-7a5d64ea0513" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements_019fec93-98ac-75d8-971a-33713c912b6c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements_019fec93-98ac-75d8-971a-33713c912b6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_019fec93-98ac-7f1e-aeb8-d0a22348eb6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019fec93-98ac-79c6-8ecd-22a6ec8058ca" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_019fec93-98ac-7f1e-aeb8-d0a22348eb6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueOptionDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUEScheduleofFairValueOptionDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueOptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-716b-8275-97644d8930d1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-7c38-b855-742064a0cc7c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-716b-8275-97644d8930d1" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-7c38-b855-742064a0cc7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7a1a-879a-678b207c3351" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-7c38-b855-742064a0cc7c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7a1a-879a-678b207c3351" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7e6d-8568-3c79e711a79b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-98ac-7a1a-879a-678b207c3351" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7e6d-8568-3c79e711a79b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ResidentialMortgateLoansHeldForSaleMember_019fec93-98ac-7860-8dd1-e6d3c8a87051" xlink:href="fcnca-20260930.xsd#fcnca_ResidentialMortgateLoansHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-98ac-7e6d-8568-3c79e711a79b" xlink:to="loc_fcnca_ResidentialMortgateLoansHeldForSaleMember_019fec93-98ac-7860-8dd1-e6d3c8a87051" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7021-bbd8-af686fdb7034" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fec93-98ac-7c38-b855-742064a0cc7c" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7021-bbd8-af686fdb7034" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FairValueOptionFairValueCarryingAmountAssets_019fec93-98ac-7a5b-96dd-ef440deb209c" xlink:href="fcnca-20260930.xsd#fcnca_FairValueOptionFairValueCarryingAmountAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7021-bbd8-af686fdb7034" xlink:to="loc_fcnca_FairValueOptionFairValueCarryingAmountAssets_019fec93-98ac-7a5b-96dd-ef440deb209c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FairValueOptionUnpaidPrincipalBalance_019fec93-98ac-7ba4-bb02-dc74477e2837" xlink:href="fcnca-20260930.xsd#fcnca_FairValueOptionUnpaidPrincipalBalance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7021-bbd8-af686fdb7034" xlink:to="loc_fcnca_FairValueOptionUnpaidPrincipalBalance_019fec93-98ac-7ba4-bb02-dc74477e2837" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_019fec93-98ac-70ae-9582-9e5ca92d6389" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fec93-98ac-7021-bbd8-af686fdb7034" xlink:to="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_019fec93-98ac-70ae-9582-9e5ca92d6389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUENarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUENarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUENarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-77a8-8587-c1ba537f7a26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7b03-969b-a772d11724ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-77a8-8587-c1ba537f7a26" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7b03-969b-a772d11724ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019fec93-98ac-72ce-9dc3-f1402a06396b" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7b03-969b-a772d11724ca" xlink:to="loc_srt_RangeAxis_019fec93-98ac-72ce-9dc3-f1402a06396b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019fec93-98ac-7e36-9484-e656fc050fcd" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019fec93-98ac-72ce-9dc3-f1402a06396b" xlink:to="loc_srt_RangeMember_019fec93-98ac-7e36-9484-e656fc050fcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019fec93-98ac-7c11-a047-c965698a6965" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019fec93-98ac-7e36-9484-e656fc050fcd" xlink:to="loc_srt_MinimumMember_019fec93-98ac-7c11-a047-c965698a6965" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019fec93-98ac-7544-8ffd-4636f69324a5" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019fec93-98ac-7e36-9484-e656fc050fcd" xlink:to="loc_srt_MaximumMember_019fec93-98ac-7544-8ffd-4636f69324a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_019fec93-98ac-7915-aac9-801d004c2075" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7b03-969b-a772d11724ca" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_019fec93-98ac-7915-aac9-801d004c2075" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_019fec93-98ac-748d-a2e4-cd0b103b9b07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_019fec93-98ac-7915-aac9-801d004c2075" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_019fec93-98ac-748d-a2e4-cd0b103b9b07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_019fec93-98ac-7b70-b53d-a5509f765a6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019fec93-98ac-748d-a2e4-cd0b103b9b07" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_019fec93-98ac-7b70-b53d-a5509f765a6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7b65-af48-427c5f71a315" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_019fec93-98ac-7b03-969b-a772d11724ca" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7b65-af48-427c5f71a315" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatus_019fec93-98ac-738f-b4da-8327032f9e63" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatus"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7b65-af48-427c5f71a315" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatus_019fec93-98ac-738f-b4da-8327032f9e63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue_019fec93-98ac-7462-bac3-a2c5a7c4589c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7b65-af48-427c5f71a315" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue_019fec93-98ac-7462-bac3-a2c5a7c4589c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateOwnedMeasurementInput_019fec93-98ac-70fd-8008-c2e911b6b6f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherRealEstateOwnedMeasurementInput"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7b65-af48-427c5f71a315" xlink:to="loc_us-gaap_OtherRealEstateOwnedMeasurementInput_019fec93-98ac-70fd-8008-c2e911b6b6f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueOfMinimumDepositRequired_019fec93-98ac-7a64-bbb8-bb266dc5d82d" xlink:href="fcnca-20260930.xsd#fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueOfMinimumDepositRequired"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_019fec93-98ac-7b65-af48-427c5f71a315" xlink:to="loc_fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueOfMinimumDepositRequired_019fec93-98ac-7a64-bbb8-bb266dc5d82d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueAssetsMeasuredonNonrecurringBasisDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUEScheduleofFairValueAssetsMeasuredonNonrecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUEScheduleofFairValueAssetsMeasuredonNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7a28-be35-7de51ed73db2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-70b4-be16-0d463f177dc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-7a28-be35-7de51ed73db2" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-70b4-be16-0d463f177dc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-7ab2-abc7-97c7b881dbdb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-70b4-be16-0d463f177dc0" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-7ab2-abc7-97c7b881dbdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-72ac-8d54-6f8fa0aac76c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019fec93-98ac-7ab2-abc7-97c7b881dbdb" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-72ac-8d54-6f8fa0aac76c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019fec93-98ac-79f3-9858-25a770c1d0f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019fec93-98ac-72ac-8d54-6f8fa0aac76c" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019fec93-98ac-79f3-9858-25a770c1d0f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-71eb-822b-765325f5a545" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-70b4-be16-0d463f177dc0" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-71eb-822b-765325f5a545" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7234-93fc-a6c921565ee2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-71eb-822b-765325f5a545" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7234-93fc-a6c921565ee2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019fec93-98ac-7fe7-b46d-c0278054373c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7234-93fc-a6c921565ee2" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019fec93-98ac-7fe7-b46d-c0278054373c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019fec93-98ac-7982-b171-30d7281efc2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7234-93fc-a6c921565ee2" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019fec93-98ac-7982-b171-30d7281efc2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7458-9f61-997f16f6cf1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-7234-93fc-a6c921565ee2" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7458-9f61-997f16f6cf1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_019fec93-98ac-7346-ac78-8f03194b8a66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-70b4-be16-0d463f177dc0" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_019fec93-98ac-7346-ac78-8f03194b8a66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019fec93-98ac-7c0c-b443-0d4ee9d1857d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019fec93-98ac-7346-ac78-8f03194b8a66" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019fec93-98ac-7c0c-b443-0d4ee9d1857d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7bbb-92f8-eed8abb753a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019fec93-98ac-7c0c-b443-0d4ee9d1857d" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7bbb-92f8-eed8abb753a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019fec93-98ac-7f0d-9e52-5b8858358cd1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7bbb-92f8-eed8abb753a8" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019fec93-98ac-7f0d-9e52-5b8858358cd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeDuringPeriodFairValueDisclosureMember_019fec93-98ac-7a24-843a-bfa1a8f78744" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ChangeDuringPeriodFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7bbb-92f8-eed8abb753a8" xlink:to="loc_us-gaap_ChangeDuringPeriodFairValueDisclosureMember_019fec93-98ac-7a24-843a-bfa1a8f78744" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-7b32-9f04-d86249067c28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-70b4-be16-0d463f177dc0" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-7b32-9f04-d86249067c28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019fec93-98ac-7922-bda4-e88a3912e54f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-7b32-9f04-d86249067c28" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019fec93-98ac-7922-bda4-e88a3912e54f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019fec93-98ac-7794-aac4-6e203118fa9d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-7b32-9f04-d86249067c28" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019fec93-98ac-7794-aac4-6e203118fa9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherRealEstateOwnedFairValueDisclosure_019fec93-98ac-76cf-a3c0-1ae844b953c7" xlink:href="fcnca-20260930.xsd#fcnca_OtherRealEstateOwnedFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-7b32-9f04-d86249067c28" xlink:to="loc_fcnca_OtherRealEstateOwnedFairValueDisclosure_019fec93-98ac-76cf-a3c0-1ae844b953c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019fec93-98ac-73fd-ad34-bbf8095b10dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-7b32-9f04-d86249067c28" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_019fec93-98ac-73fd-ad34-bbf8095b10dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/FAIRVALUEScheduleofCarryingValuesandEstimatedFairValuesforFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#FAIRVALUEScheduleofCarryingValuesandEstimatedFairValuesforFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/FAIRVALUEScheduleofCarryingValuesandEstimatedFairValuesforFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-790e-91e9-bd5cf35ff2ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-76b0-8893-ece01c0c33ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019fec93-98ac-790e-91e9-bd5cf35ff2ec" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-76b0-8893-ece01c0c33ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_019fec93-98ac-72c3-ba3c-eb4e69a37cc2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-76b0-8893-ece01c0c33ff" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_019fec93-98ac-72c3-ba3c-eb4e69a37cc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019fec93-98ac-7781-9ef3-3175ca15c219" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019fec93-98ac-72c3-ba3c-eb4e69a37cc2" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019fec93-98ac-7781-9ef3-3175ca15c219" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7f35-93ed-08f807b927e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019fec93-98ac-7781-9ef3-3175ca15c219" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7f35-93ed-08f807b927e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019fec93-98ac-7d21-8e72-ec8c577c95c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7f35-93ed-08f807b927e6" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019fec93-98ac-7d21-8e72-ec8c577c95c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019fec93-98ac-7e1c-947c-f977a62c6f9e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019fec93-98ac-7f35-93ed-08f807b927e6" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019fec93-98ac-7e1c-947c-f977a62c6f9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7766-aa77-3b162c7a125f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-76b0-8893-ece01c0c33ff" xlink:to="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7766-aa77-3b162c7a125f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7f87-b6f8-c6c33c12b9b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_019fec93-98ac-7766-aa77-3b162c7a125f" xlink:to="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7f87-b6f8-c6c33c12b9b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019fec93-98ac-77cd-a1c9-d426be24aaee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_019fec93-98ac-7f87-b6f8-c6c33c12b9b4" xlink:to="loc_us-gaap_NondesignatedMember_019fec93-98ac-77cd-a1c9-d426be24aaee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-7605-8259-960869fb8daf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-76b0-8893-ece01c0c33ff" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-7605-8259-960869fb8daf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-742a-aaa7-ac63ec0813dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fec93-98ac-7605-8259-960869fb8daf" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-742a-aaa7-ac63ec0813dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019fec93-98ac-7a51-98c1-d6dd3e9911f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-742a-aaa7-ac63ec0813dc" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019fec93-98ac-7a51-98c1-d6dd3e9911f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019fec93-98ac-7199-80da-43eb24964b4a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-742a-aaa7-ac63ec0813dc" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019fec93-98ac-7199-80da-43eb24964b4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7ead-bc68-749cfe07de47" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fec93-98ac-742a-aaa7-ac63ec0813dc" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019fec93-98ac-7ead-bc68-749cfe07de47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-737d-956d-aa82414d8f5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019fec93-98ac-76b0-8893-ece01c0c33ff" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-737d-956d-aa82414d8f5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-737d-956d-aa82414d8f5a" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019fec93-98ac-7e87-b57a-19bb7d1f67ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019fec93-98ac-7e87-b57a-19bb7d1f67ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueDisclosure_019fec93-98ac-7f61-a672-446dffa8830a" xlink:href="fcnca-20260930.xsd#fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_fcnca_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueDisclosure_019fec93-98ac-7f61-a672-446dffa8830a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SecuritiesPurchasedUnderAgreementsToResellFairValueDisclosure_019fec93-98ac-758c-9f71-3c347a04b2a8" xlink:href="fcnca-20260930.xsd#fcnca_SecuritiesPurchasedUnderAgreementsToResellFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_fcnca_SecuritiesPurchasedUnderAgreementsToResellFairValueDisclosure_019fec93-98ac-758c-9f71-3c347a04b2a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019fec93-9951-72ba-a01c-f35035b425df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019fec93-9951-72ba-a01c-f35035b425df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9951-7091-b98a-a0fd18ac495e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fec93-9951-7091-b98a-a0fd18ac495e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9951-7bcc-8197-f52aede13eb3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9951-7bcc-8197-f52aede13eb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019fec93-9951-72a3-9259-28ceb3c9228b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019fec93-9951-72a3-9259-28ceb3c9228b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019fec93-9951-73de-8319-3d3b655d4732" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019fec93-9951-73de-8319-3d3b655d4732" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_InterestReceivableFairValueDisclosure_019fec93-9951-7470-810e-7ba6cd519921" xlink:href="fcnca-20260930.xsd#fcnca_InterestReceivableFairValueDisclosure"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_fcnca_InterestReceivableFairValueDisclosure_019fec93-9951-7470-810e-7ba6cd519921" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_FederalHomeLoanBankStockFairValueDisclosure_019fec93-9951-7331-a8aa-5c9c647a690a" xlink:href="fcnca-20260930.xsd#fcnca_FederalHomeLoanBankStockFairValueDisclosure"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_fcnca_FederalHomeLoanBankStockFairValueDisclosure_019fec93-9951-7331-a8aa-5c9c647a690a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_ServicingRightsFairValueDisclosure_019fec93-9951-7622-9a2b-0ac8c5ec4952" xlink:href="fcnca-20260930.xsd#fcnca_ServicingRightsFairValueDisclosure"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_fcnca_ServicingRightsFairValueDisclosure_019fec93-9951-7622-9a2b-0ac8c5ec4952" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019fec93-9951-7049-996d-ec82a0333280" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019fec93-98ac-732b-97a8-3f7cf342d355" xlink:to="loc_us-gaap_DerivativeAssets_019fec93-9951-7049-996d-ec82a0333280" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fec93-98ac-737d-956d-aa82414d8f5a" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DepositsWithNoStatedMaturityFairValueDisclosure_019fec93-9951-77ca-bdee-2044d0c9191c" xlink:href="fcnca-20260930.xsd#fcnca_DepositsWithNoStatedMaturityFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_fcnca_DepositsWithNoStatedMaturityFairValueDisclosure_019fec93-9951-77ca-bdee-2044d0c9191c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_TimeDepositsFairValue_019fec93-9951-77a6-8b59-b91b703b71cf" xlink:href="fcnca-20260930.xsd#fcnca_TimeDepositsFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_fcnca_TimeDepositsFairValue_019fec93-9951-77a6-8b59-b91b703b71cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CreditBalancesOfFactoringClientsFairValueDisclosure_019fec93-9951-7e68-858c-abebdc17a3b4" xlink:href="fcnca-20260930.xsd#fcnca_CreditBalancesOfFactoringClientsFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_fcnca_CreditBalancesOfFactoringClientsFairValueDisclosure_019fec93-9951-7e68-858c-abebdc17a3b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019fec93-9951-724c-abb8-702a090e6408" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019fec93-9951-724c-abb8-702a090e6408" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_019fec93-9951-7d14-9868-762bed084061" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_us-gaap_LongTermDebtFairValue_019fec93-9951-7d14-9868-762bed084061" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AccruedInterestPayableFairValueDisclosure_019fec93-9951-76da-9573-875c13754f13" xlink:href="fcnca-20260930.xsd#fcnca_AccruedInterestPayableFairValueDisclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_fcnca_AccruedInterestPayableFairValueDisclosure_019fec93-9951-76da-9573-875c13754f13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019fec93-9951-7a85-8238-6067fbfcb2cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019fec93-9951-7de7-b7ad-c50e1cf276b2" xlink:to="loc_us-gaap_DerivativeLiabilities_019fec93-9951-7a85-8238-6067fbfcb2cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYScheduleofCommonStockOutstandingRollForwardDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#STOCKHOLDERSEQUITYScheduleofCommonStockOutstandingRollForwardDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYScheduleofCommonStockOutstandingRollForwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-71ce-ad6d-fc3b6c655fd6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-702d-8afd-e0445e797c05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-71ce-ad6d-fc3b6c655fd6" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-702d-8afd-e0445e797c05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-749b-b514-cc72a87c12f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-702d-8afd-e0445e797c05" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-749b-b514-cc72a87c12f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9951-7d52-8ca3-871f25f567b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-749b-b514-cc72a87c12f7" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9951-7d52-8ca3-871f25f567b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9951-741a-bd2d-961aa8e9fcf5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-7d52-8ca3-871f25f567b9" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9951-741a-bd2d-961aa8e9fcf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9951-76f3-b2fc-14d091046064" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-7d52-8ca3-871f25f567b9" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9951-76f3-b2fc-14d091046064" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7f0b-99d5-757b1edeace3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-702d-8afd-e0445e797c05" xlink:to="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7f0b-99d5-757b1edeace3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_IncreaseDecreaseInCommonStockRollForward_019fec93-9951-71a6-a9c7-84ccf33dd39a" xlink:href="fcnca-20260930.xsd#fcnca_IncreaseDecreaseInCommonStockRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7f0b-99d5-757b1edeace3" xlink:to="loc_fcnca_IncreaseDecreaseInCommonStockRollForward_019fec93-9951-71a6-a9c7-84ccf33dd39a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019fec93-9951-7028-81e0-88eb926add4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_IncreaseDecreaseInCommonStockRollForward_019fec93-9951-71a6-a9c7-84ccf33dd39a" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019fec93-9951-7028-81e0-88eb926add4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_019fec93-9951-772d-9e0b-9ea739000b8a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_IncreaseDecreaseInCommonStockRollForward_019fec93-9951-71a6-a9c7-84ccf33dd39a" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_019fec93-9951-772d-9e0b-9ea739000b8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019fec93-9951-7fc8-b0dd-cd41feca101c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fcnca_IncreaseDecreaseInCommonStockRollForward_019fec93-9951-71a6-a9c7-84ccf33dd39a" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019fec93-9951-7fc8-b0dd-cd41feca101c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#STOCKHOLDERSEQUITYNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-711d-869d-5eee497abd88" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7dce-a17f-cacd01f6c036" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-711d-869d-5eee497abd88" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7dce-a17f-cacd01f6c036" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-77c4-8341-8060fdcb3c37" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7dce-a17f-cacd01f6c036" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-77c4-8341-8060fdcb3c37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9951-795d-80f1-9386d4914335" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-77c4-8341-8060fdcb3c37" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9951-795d-80f1-9386d4914335" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_019fec93-9951-7f43-afda-6f374060c616" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-795d-80f1-9386d4914335" xlink:to="loc_us-gaap_CommonClassAMember_019fec93-9951-7f43-afda-6f374060c616" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_019fec93-9951-7b5d-8a55-140a45954e34" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-795d-80f1-9386d4914335" xlink:to="loc_us-gaap_CommonClassBMember_019fec93-9951-7b5d-8a55-140a45954e34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7e26-adc3-d8940340bdc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7dce-a17f-cacd01f6c036" xlink:to="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7e26-adc3-d8940340bdc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019fec93-9951-79b8-a2d6-e6bf89b59c88" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7e26-adc3-d8940340bdc6" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019fec93-9951-79b8-a2d6-e6bf89b59c88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommonStockVotingRightPerShare_019fec93-9951-7fcb-8c9d-61d2807f08b2" xlink:href="fcnca-20260930.xsd#fcnca_CommonStockVotingRightPerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7e26-adc3-d8940340bdc6" xlink:to="loc_fcnca_CommonStockVotingRightPerShare_019fec93-9951-7fcb-8c9d-61d2807f08b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYScheduleofPreferredStockandDepositarySharesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#STOCKHOLDERSEQUITYScheduleofPreferredStockandDepositarySharesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/STOCKHOLDERSEQUITYScheduleofPreferredStockandDepositarySharesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7d63-bbba-667c45a4b2de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7d59-b6b4-d3a494d41c49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7d63-bbba-667c45a4b2de" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7d59-b6b4-d3a494d41c49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-767f-b829-b1be1eb22bb6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7d59-b6b4-d3a494d41c49" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-767f-b829-b1be1eb22bb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019fec93-9951-767f-b829-b1be1eb22bb6" xlink:to="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesAPreferredStockMember_019fec93-9951-7c82-9683-dbb8c054ac8e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesAPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_us-gaap_SeriesAPreferredStockMember_019fec93-9951-7c82-9683-dbb8c054ac8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_019fec93-9951-7d36-bc21-69429bfd41c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_019fec93-9951-7d36-bc21-69429bfd41c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesCPreferredStockMember_019fec93-9951-7d7a-a348-de289c2d0c45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesCPreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_us-gaap_SeriesCPreferredStockMember_019fec93-9951-7d7a-a348-de289c2d0c45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_019fec93-9951-7c59-9f7b-53c4741a22bd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesDPreferredStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_019fec93-9951-7c59-9f7b-53c4741a22bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_019fec93-9951-70d2-8266-e52a76417bf0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_019fec93-9951-70d2-8266-e52a76417bf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesFPreferredStockMember_01a081e1-bb69-7b36-b97a-fe047d4cae12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeriesFPreferredStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_us-gaap_SeriesFPreferredStockMember_01a081e1-bb69-7b36-b97a-fe047d4cae12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_SeriesABCDEFPreferredStockMember_019fec93-9951-7084-b5f3-7814e0bfce2c" xlink:href="fcnca-20260930.xsd#fcnca_SeriesABCDEFPreferredStockMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019fec93-9951-78c3-a81d-d5325426a24c" xlink:to="loc_fcnca_SeriesABCDEFPreferredStockMember_019fec93-9951-7084-b5f3-7814e0bfce2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019fec93-9951-7d59-b6b4-d3a494d41c49" xlink:to="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019fec93-9951-7355-bc87-838079815691" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockValue_019fec93-9951-7355-bc87-838079815691" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019fec93-9951-7300-9fc0-e33d131c4ce2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019fec93-9951-7300-9fc0-e33d131c4ce2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_019fec93-9951-7f15-bc45-b36b7848991f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_019fec93-9951-7f15-bc45-b36b7848991f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_019fec93-9951-7da4-a03b-72e4df9e8817" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockSharesIssued_019fec93-9951-7da4-a03b-72e4df9e8817" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_019fec93-9951-7b98-9647-73ab65ed9d97" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_019fec93-9951-7b98-9647-73ab65ed9d97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_019fec93-9951-795a-864d-644ab17444be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockLiquidationPreferenceValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_019fec93-9951-795a-864d-644ab17444be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_019fec93-9951-797e-8253-025ae9b4ad60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_019fec93-9951-797e-8253-025ae9b4ad60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DepositoryShares_01a183d5-8f0b-7409-9bc7-4fb7499d6be5" xlink:href="fcnca-20260930.xsd#fcnca_DepositoryShares"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_fcnca_DepositoryShares_01a183d5-8f0b-7409-9bc7-4fb7499d6be5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_PreferredStockDividendRateBasisSpreadOnVariableRate_019fec93-9951-7890-bba4-8af7236cc22f" xlink:href="fcnca-20260930.xsd#fcnca_PreferredStockDividendRateBasisSpreadOnVariableRate"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_fcnca_PreferredStockDividendRateBasisSpreadOnVariableRate_019fec93-9951-7890-bba4-8af7236cc22f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DepositorySharesEquivalentValuePerPreferredShare_019fec93-9951-7cb6-97ba-1501d4e4be4c" xlink:href="fcnca-20260930.xsd#fcnca_DepositorySharesEquivalentValuePerPreferredShare"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_fcnca_DepositorySharesEquivalentValuePerPreferredShare_019fec93-9951-7cb6-97ba-1501d4e4be4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_019fec93-9951-7d14-8721-fec8d65d4db0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_019fec93-9951-7d14-8721-fec8d65d4db0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DepositorySharesPercentageOfPreferredStock_01a183d9-daaf-76ae-b0b8-781812792c8f" xlink:href="fcnca-20260930.xsd#fcnca_DepositorySharesPercentageOfPreferredStock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_019fec93-9951-7a5b-8e63-622ec1efebe7" xlink:to="loc_fcnca_DepositorySharesPercentageOfPreferredStock_01a183d9-daaf-76ae-b0b8-781812792c8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofAccumulatedOtherComprehensiveLossIncomeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofAccumulatedOtherComprehensiveLossIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofAccumulatedOtherComprehensiveLossIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7e8b-be43-d4c9f9e57754" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-790c-90b2-43542836ac48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7e8b-be43-d4c9f9e57754" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-790c-90b2-43542836ac48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-7cd7-9b0f-ea5adfb0e79b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-790c-90b2-43542836ac48" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-7cd7-9b0f-ea5adfb0e79b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019fec93-9951-7dea-b67c-c97af1ef42f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-7cd7-9b0f-ea5adfb0e79b" xlink:to="loc_us-gaap_EquityComponentDomain_019fec93-9951-7dea-b67c-c97af1ef42f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember_019fec93-9951-7c2f-bd4a-5d62ac8c1f39" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7dea-b67c-c97af1ef42f1" xlink:to="loc_fcnca_AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember_019fec93-9951-7c2f-bd4a-5d62ac8c1f39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember_019fec93-9951-7e5d-838d-4a4705116d63" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7dea-b67c-c97af1ef42f1" xlink:to="loc_fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember_019fec93-9951-7e5d-838d-4a4705116d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedDefinedBenefitPlansAdjustmentAttributableToParentMember_019fec93-9951-7340-9490-67d9750b5656" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedDefinedBenefitPlansAdjustmentAttributableToParentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7dea-b67c-c97af1ef42f1" xlink:to="loc_fcnca_AOCIAccumulatedDefinedBenefitPlansAdjustmentAttributableToParentMember_019fec93-9951-7340-9490-67d9750b5656" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-9951-7863-b848-1f2f7b49d1bd" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7dea-b67c-c97af1ef42f1" xlink:to="loc_fcnca_AOCIAccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-9951-7863-b848-1f2f7b49d1bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-782a-ae92-c53e7e5596e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-790c-90b2-43542836ac48" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-782a-ae92-c53e7e5596e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociBeforeTaxAttributableToParent_019fec93-9951-755e-918a-3b3aa22ccb22" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AociBeforeTaxAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-782a-ae92-c53e7e5596e1" xlink:to="loc_us-gaap_AociBeforeTaxAttributableToParent_019fec93-9951-755e-918a-3b3aa22ccb22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_019fec93-9951-7d3a-bc9d-ae44be966118" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-782a-ae92-c53e7e5596e1" xlink:to="loc_us-gaap_AociTaxAttributableToParent_019fec93-9951-7d3a-bc9d-ae44be966118" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019fec93-9951-74d3-954f-e799b92b25b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-782a-ae92-c53e7e5596e1" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019fec93-9951-74d3-954f-e799b92b25b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofChangesinComponentsofAOCINetofIncomeTaxesDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofChangesinComponentsofAOCINetofIncomeTaxesDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofChangesinComponentsofAOCINetofIncomeTaxesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7f83-87c7-464a3a06132c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7fc1-a36f-10663b1f2ddc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7f83-87c7-464a3a06132c" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7fc1-a36f-10663b1f2ddc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-7a65-878e-6575e3163307" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7fc1-a36f-10663b1f2ddc" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-7a65-878e-6575e3163307" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019fec93-9951-7228-9b71-748756c45c86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-7a65-878e-6575e3163307" xlink:to="loc_us-gaap_EquityComponentDomain_019fec93-9951-7228-9b71-748756c45c86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9951-7ef3-ae0c-dfdf9b83ad72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7228-9b71-748756c45c86" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9951-7ef3-ae0c-dfdf9b83ad72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember_019fec93-9951-703e-bee7-14ac7d2f5154" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9951-7ef3-ae0c-dfdf9b83ad72" xlink:to="loc_fcnca_AOCIAccumulatedGainLossDebtSecuritiesAvailableForSaleExcludingTransfersParentMember_019fec93-9951-703e-bee7-14ac7d2f5154" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember_019fec93-9951-7817-bff2-ba26d3b3b43f" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9951-7ef3-ae0c-dfdf9b83ad72" xlink:to="loc_fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember_019fec93-9951-7817-bff2-ba26d3b3b43f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_019fec93-9951-78c5-9a24-9fc5c4bc360b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9951-7ef3-ae0c-dfdf9b83ad72" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_019fec93-9951-78c5-9a24-9fc5c4bc360b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-9951-7c01-90f9-2bb15de11bbf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019fec93-9951-7ef3-ae0c-dfdf9b83ad72" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-9951-7c01-90f9-2bb15de11bbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7621-a6c8-23a0c8e3cde3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7fc1-a36f-10663b1f2ddc" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7621-a6c8-23a0c8e3cde3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7621-a6c8-23a0c8e3cde3" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019fec93-9951-7bc1-93e9-23f33b70d1e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:to="loc_us-gaap_StockholdersEquity_019fec93-9951-7bc1-93e9-23f33b70d1e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019fec93-9951-7cb0-a80f-c2682453e56f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019fec93-9951-7cb0-a80f-c2682453e56f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019fec93-9951-7e96-a1ed-78dadb007803" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019fec93-9951-7e96-a1ed-78dadb007803" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9951-7177-9164-c57ec2e43fd8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9951-7177-9164-c57ec2e43fd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019fec93-9951-7b43-ba8b-62f4c599b45f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019fec93-9951-7780-bea7-93563d853add" xlink:to="loc_us-gaap_StockholdersEquity_019fec93-9951-7b43-ba8b-62f4c599b45f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofPretaxandAftertaxComponentsofOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofPretaxandAftertaxComponentsofOtherComprehensiveIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSINCOMEScheduleofPretaxandAftertaxComponentsofOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019fec93-9951-7007-951e-cf80023a4896" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7b12-8c24-5c78d8aaf662" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019fec93-9951-7007-951e-cf80023a4896" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7b12-8c24-5c78d8aaf662" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-732f-bc86-1c410fd0d07f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7b12-8c24-5c78d8aaf662" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-732f-bc86-1c410fd0d07f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019fec93-9951-7da2-b9fb-dbd71c2af342" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019fec93-9951-732f-bc86-1c410fd0d07f" xlink:to="loc_us-gaap_EquityComponentDomain_019fec93-9951-7da2-b9fb-dbd71c2af342" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019fec93-9951-73ba-abb8-e380d9e84bfa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7da2-b9fb-dbd71c2af342" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019fec93-9951-73ba-abb8-e380d9e84bfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember_01a0cc7a-ea53-776f-8756-a4096edb48ed" xlink:href="fcnca-20260930.xsd#fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7da2-b9fb-dbd71c2af342" xlink:to="loc_fcnca_AOCIAccumulatedGainLossOnSecuritiesTransferredFromAvailableForSaleToHeldForMaturityParentMember_01a0cc7a-ea53-776f-8756-a4096edb48ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_019fec93-9951-7e10-89eb-18aafdbbe839" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7da2-b9fb-dbd71c2af342" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_019fec93-9951-7e10-89eb-18aafdbbe839" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-9951-77e5-b155-d587ce549731" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019fec93-9951-7da2-b9fb-dbd71c2af342" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019fec93-9951-77e5-b155-d587ce549731" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019fec93-9951-7b12-8c24-5c78d8aaf662" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019fec93-9951-7a51-9c7c-71698dd3e0be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019fec93-9951-7a51-9c7c-71698dd3e0be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019fec93-9951-7876-96d4-229e7eea4d26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019fec93-9951-7876-96d4-229e7eea4d26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019fec93-9951-7246-a24f-a3e7671bc8ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019fec93-9951-7246-a24f-a3e7671bc8ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019fec93-9951-7472-947b-1e7600cef30f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019fec93-9951-7472-947b-1e7600cef30f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019fec93-9951-79a3-878b-c0f269430436" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019fec93-9951-79a3-878b-c0f269430436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019fec93-9951-79db-9fc8-a37b546c1d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019fec93-9951-79db-9fc8-a37b546c1d9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019fec93-9951-71bc-9029-8ada0a4b75f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019fec93-9951-71bc-9029-8ada0a4b75f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019fec93-9951-7def-842e-f5767bbb0cb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019fec93-9951-7def-842e-f5767bbb0cb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9951-73b0-a032-d1f0c95c40ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fec93-9951-7ddb-a2ea-2d4e1661104d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019fec93-9951-73b0-a032-d1f0c95c40ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/EARNINGSPERCOMMONSHAREDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#EARNINGSPERCOMMONSHAREDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/EARNINGSPERCOMMONSHAREDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019fec93-9951-79fa-888f-a222d46e0a0e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_NetIncomeLoss_019fec93-9951-79fa-888f-a222d46e0a0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019fec93-9951-78c1-9236-66a26020691a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019fec93-9951-78c1-9236-66a26020691a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019fec93-9951-7254-b3b8-b805bf5528a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019fec93-9951-7254-b3b8-b805bf5528a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019fec93-9951-74fa-a1a4-367f6ebb5622" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019fec93-9951-74fa-a1a4-367f6ebb5622" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9951-7c5f-84f3-f354b9348127" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9951-7c5f-84f3-f354b9348127" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019fec93-9951-730c-ac17-b44a096bcda0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9951-7c5f-84f3-f354b9348127" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019fec93-9951-730c-ac17-b44a096bcda0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019fec93-9951-7527-9926-b630d28deb2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9951-7c5f-84f3-f354b9348127" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019fec93-9951-7527-9926-b630d28deb2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019fec93-9951-7bd0-a4bb-61aeab52747e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019fec93-9951-7c5f-84f3-f354b9348127" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019fec93-9951-7bd0-a4bb-61aeab52747e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019fec93-9951-7d72-985d-f442dd4d719f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_EarningsPerShareBasic_019fec93-9951-7d72-985d-f442dd4d719f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019fec93-9951-7100-bce4-ae701f34cb6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019fec93-9951-7d57-ab5c-cd711d7a4825" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019fec93-9951-7100-bce4-ae701f34cb6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/INCOMETAXESDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#INCOMETAXESDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/INCOMETAXESDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_019fec93-9951-7cd2-8c2e-9155ac03962f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019fec93-9951-7bd8-ae2c-0d0f779986e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_019fec93-9951-7cd2-8c2e-9155ac03962f" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019fec93-9951-7bd8-ae2c-0d0f779986e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/EMPLOYEEBENEFITPLANSScheduleofNetBenefitCostDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#EMPLOYEEBENEFITPLANSScheduleofNetBenefitCostDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/EMPLOYEEBENEFITPLANSScheduleofNetBenefitCostDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7bcc-96c9-c19631a3d54f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanServiceCost_019fec93-9951-730d-ab09-d54bfe2c4d0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanServiceCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7bcc-96c9-c19631a3d54f" xlink:to="loc_us-gaap_DefinedBenefitPlanServiceCost_019fec93-9951-730d-ab09-d54bfe2c4d0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_019fec93-9951-7cb2-a8bf-15180a6c7a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7bcc-96c9-c19631a3d54f" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_019fec93-9951-7cb2-a8bf-15180a6c7a5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_019fec93-9951-7590-b4bb-ed73ffac1c6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7bcc-96c9-c19631a3d54f" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_019fec93-9951-7590-b4bb-ed73ffac1c6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_019fec93-9951-7e05-8fcc-b2036addc503" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7bcc-96c9-c19631a3d54f" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_019fec93-9951-7e05-8fcc-b2036addc503" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019fec93-9951-763f-a8a0-7c5a448ca2a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_019fec93-9951-7bcc-96c9-c19631a3d54f" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019fec93-9951-763f-a8a0-7c5a448ca2a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SEGMENTINFORMATIONNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SEGMENTINFORMATIONNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SEGMENTINFORMATIONNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-7cc8-ba0b-17fd55d857fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-777c-9737-a981ca9e30d9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-7cc8-ba0b-17fd55d857fc" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-777c-9737-a981ca9e30d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019fec93-9951-7a28-bc8e-a54f69d57e55" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-777c-9737-a981ca9e30d9" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019fec93-9951-7a28-bc8e-a54f69d57e55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019fec93-9951-7a27-8f73-6f10b7d50e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019fec93-9951-7a28-bc8e-a54f69d57e55" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019fec93-9951-7a27-8f73-6f10b7d50e5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OperatingLeaseEquipmentMember_019fec93-9951-786a-ae0f-95fd0e2ababa" xlink:href="fcnca-20260930.xsd#fcnca_OperatingLeaseEquipmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019fec93-9951-7a27-8f73-6f10b7d50e5e" xlink:to="loc_fcnca_OperatingLeaseEquipmentMember_019fec93-9951-786a-ae0f-95fd0e2ababa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RailEquipmentMember_019fec93-9951-75aa-9efd-cf0a7703b348" xlink:href="fcnca-20260930.xsd#fcnca_RailEquipmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019fec93-9951-7a27-8f73-6f10b7d50e5e" xlink:to="loc_fcnca_RailEquipmentMember_019fec93-9951-75aa-9efd-cf0a7703b348" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019fec93-9951-74bd-bd81-6dbe52df3dd8" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-777c-9737-a981ca9e30d9" xlink:to="loc_srt_RangeAxis_019fec93-9951-74bd-bd81-6dbe52df3dd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019fec93-9951-7eb2-8386-2807d777d660" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019fec93-9951-74bd-bd81-6dbe52df3dd8" xlink:to="loc_srt_RangeMember_019fec93-9951-7eb2-8386-2807d777d660" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019fec93-9951-71cf-bbf7-21d0158ba12b" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019fec93-9951-7eb2-8386-2807d777d660" xlink:to="loc_srt_MinimumMember_019fec93-9951-71cf-bbf7-21d0158ba12b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019fec93-9951-7ff1-a956-43341ad9875c" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019fec93-9951-7eb2-8386-2807d777d660" xlink:to="loc_srt_MaximumMember_019fec93-9951-7ff1-a956-43341ad9875c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7a2e-bb19-98872794a6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-777c-9737-a981ca9e30d9" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7a2e-bb19-98872794a6a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_NumberOfReportableSegmentsDisclosedByDefinitionFlag_01a1a828-936a-79a5-b310-8b4ced4fc672" xlink:href="fcnca-20260930.xsd#fcnca_NumberOfReportableSegmentsDisclosedByDefinitionFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7a2e-bb19-98872794a6a8" xlink:to="loc_fcnca_NumberOfReportableSegmentsDisclosedByDefinitionFlag_01a1a828-936a-79a5-b310-8b4ced4fc672" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_019fec93-9951-7b19-abc0-8c42af8c7435" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7a2e-bb19-98872794a6a8" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_019fec93-9951-7b19-abc0-8c42af8c7435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/SEGMENTINFORMATIONSignificantSegmentExpensesandMeasureofSegmentProfitorLossDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#SEGMENTINFORMATIONSignificantSegmentExpensesandMeasureofSegmentProfitorLossDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/SEGMENTINFORMATIONSignificantSegmentExpensesandMeasureofSegmentProfitorLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-7db1-89ca-f92073b1e39a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-7ac0-914c-18143e6c12a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019fec93-9951-7db1-89ca-f92073b1e39a" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-7ac0-914c-18143e6c12a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis_019fec93-9951-75a5-8138-e28043c99ef8" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-7ac0-914c-18143e6c12a4" xlink:to="loc_srt_ConsolidationItemsAxis_019fec93-9951-75a5-8138-e28043c99ef8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019fec93-9951-718c-9e06-8f7538a440f4" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsAxis_019fec93-9951-75a5-8138-e28043c99ef8" xlink:to="loc_srt_ConsolidationItemsDomain_019fec93-9951-718c-9e06-8f7538a440f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingSegmentsMember_019fec93-9951-7d39-bc2a-900a60c9105a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingSegmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019fec93-9951-718c-9e06-8f7538a440f4" xlink:to="loc_us-gaap_OperatingSegmentsMember_019fec93-9951-7d39-bc2a-900a60c9105a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNonSegmentMember_019fec93-9951-7c21-93fc-82f11e69a2d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateNonSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019fec93-9951-718c-9e06-8f7538a440f4" xlink:to="loc_us-gaap_CorporateNonSegmentMember_019fec93-9951-7c21-93fc-82f11e69a2d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019fec93-9951-75a1-8863-84dd7a7887ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-7ac0-914c-18143e6c12a4" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019fec93-9951-75a1-8863-84dd7a7887ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019fec93-9951-70b8-b595-e52d360a3740" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019fec93-9951-75a1-8863-84dd7a7887ba" xlink:to="loc_us-gaap_SegmentDomain_019fec93-9951-70b8-b595-e52d360a3740" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_GeneralBankSegmentMember_019fec93-9951-7a10-b009-f68c2da68424" xlink:href="fcnca-20260930.xsd#fcnca_GeneralBankSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019fec93-9951-70b8-b595-e52d360a3740" xlink:to="loc_fcnca_GeneralBankSegmentMember_019fec93-9951-7a10-b009-f68c2da68424" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CommercialBankSegmentMember_019fec93-9951-7c3b-8f58-0815cf162ebd" xlink:href="fcnca-20260930.xsd#fcnca_CommercialBankSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019fec93-9951-70b8-b595-e52d360a3740" xlink:to="loc_fcnca_CommercialBankSegmentMember_019fec93-9951-7c3b-8f58-0815cf162ebd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_RailSegmentMember_019fec93-9951-733e-acd1-401511aeaad4" xlink:href="fcnca-20260930.xsd#fcnca_RailSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019fec93-9951-70b8-b595-e52d360a3740" xlink:to="loc_fcnca_RailSegmentMember_019fec93-9951-733e-acd1-401511aeaad4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019fec93-9951-7ac0-914c-18143e6c12a4" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019fec93-9951-7f0f-9cfc-4d3e8a759a51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019fec93-9951-7f0f-9cfc-4d3e8a759a51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncome_019fec93-9951-7546-aeef-f3e0436d5fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLeaseIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncome_019fec93-9951-7546-aeef-f3e0436d5fc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_NoninterestIncomeOtherMiscellaneous_019fec93-9951-766e-97fd-9c0bd6bf865d" xlink:href="fcnca-20260930.xsd#fcnca_NoninterestIncomeOtherMiscellaneous"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_fcnca_NoninterestIncomeOtherMiscellaneous_019fec93-9951-766e-97fd-9c0bd6bf865d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019fec93-9951-7ec3-b229-fa7f99332f8b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_NoninterestIncome_019fec93-9951-7ec3-b229-fa7f99332f8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019fec93-9951-71e8-8faa-f3cfe17a3f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_Revenues_019fec93-9951-71e8-8faa-f3cfe17a3f6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease_019fec93-9951-7494-a1b3-79172932988f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_OperatingLeasesIncomeStatementDepreciationExpenseOnPropertySubjectToOrHeldForLease_019fec93-9951-7494-a1b3-79172932988f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectCostsOfLeasedAndRentedPropertyOrEquipment_019fec93-9951-7ad2-b8db-3f8a984a1a3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DirectCostsOfLeasedAndRentedPropertyOrEquipment"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_DirectCostsOfLeasedAndRentedPropertyOrEquipment_019fec93-9951-7ad2-b8db-3f8a984a1a3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019fec93-9951-7d5d-a3b4-3f8d17952d65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019fec93-9951-7d5d-a3b4-3f8d17952d65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019fec93-9951-7268-8dc8-6c6f35470830" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019fec93-9951-7268-8dc8-6c6f35470830" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherNonInterestExpenseMiscellaneous_019fec93-9951-7a61-a3b2-7ef8f7f355de" xlink:href="fcnca-20260930.xsd#fcnca_OtherNonInterestExpenseMiscellaneous"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_fcnca_OtherNonInterestExpenseMiscellaneous_019fec93-9951-7a61-a3b2-7ef8f7f355de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019fec93-9951-7744-87f1-68df134b6055" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_NoninterestExpense_019fec93-9951-7744-87f1-68df134b6055" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CreditLossExpenseReversal_019fec93-9951-7c15-b122-5365d38f706a" xlink:href="fcnca-20260930.xsd#fcnca_CreditLossExpenseReversal"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_fcnca_CreditLossExpenseReversal_019fec93-9951-7c15-b122-5365d38f706a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019fec93-9951-7d11-99af-42d092727335" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019fec93-9951-7d11-99af-42d092727335" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019fec93-9951-71cc-8244-d56401876e1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019fec93-9951-71cc-8244-d56401876e1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019fec93-9951-72ef-8c8f-ac7b4674bb67" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_NetIncomeLoss_019fec93-9951-72ef-8c8f-ac7b4674bb67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9951-7e81-9eba-f307aedd6993" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fec93-9951-7e81-9eba-f307aedd6993" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseNet_019fec93-9951-7dfd-8600-ac50aa99a78f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertySubjectToOrAvailableForOperatingLeaseNet"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseNet_019fec93-9951-7dfd-8600-ac50aa99a78f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019fec93-9951-741e-9d65-6a50be45b1d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Investments"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_Investments_019fec93-9951-741e-9d65-6a50be45b1d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019fec93-9951-7b21-8c9b-d7c79991d77d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019fec93-9951-7357-b0fe-35755ae1e65a" xlink:to="loc_us-gaap_Deposits_019fec93-9951-7b21-8c9b-d7c79991d77d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIESScheduleofFairValueOffbalanceSheetRisksDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#COMMITMENTSANDCONTINGENCIESScheduleofFairValueOffbalanceSheetRisksDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIESScheduleofFairValueOffbalanceSheetRisksDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-796f-89bb-258c32748045" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-704c-8965-03de141999be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-796f-89bb-258c32748045" xlink:to="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-704c-8965-03de141999be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-9951-708e-ac2f-67c94990b904" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-704c-8965-03de141999be" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-9951-708e-ac2f-67c94990b904" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-9951-708e-ac2f-67c94990b904" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_019fec93-9951-7fbe-937e-41b520168701" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_019fec93-9951-7fbe-937e-41b520168701" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StandbyLettersOfCreditMember_019fec93-9951-757e-8b80-5d517c2e19bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StandbyLettersOfCreditMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:to="loc_us-gaap_StandbyLettersOfCreditMember_019fec93-9951-757e-8b80-5d517c2e19bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OtherLettersOfCreditMember_019fec93-9951-797e-a8a9-f6814fb3c7d5" xlink:href="fcnca-20260930.xsd#fcnca_OtherLettersOfCreditMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:to="loc_fcnca_OtherLettersOfCreditMember_019fec93-9951-797e-a8a9-f6814fb3c7d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DeferredPurchaseAgreementsMember_019fec93-9951-7e8e-b742-3662b330d01d" xlink:href="fcnca-20260930.xsd#fcnca_DeferredPurchaseAgreementsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:to="loc_fcnca_DeferredPurchaseAgreementsMember_019fec93-9951-7e8e-b742-3662b330d01d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_LessorCommitmentsMember_019fec93-9951-76bf-a67c-27435bc9a84f" xlink:href="fcnca-20260930.xsd#fcnca_LessorCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-7998-9ee3-8ec8df1bf35d" xlink:to="loc_fcnca_LessorCommitmentsMember_019fec93-9951-76bf-a67c-27435bc9a84f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-72b2-9090-964502ef59c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-704c-8965-03de141999be" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-72b2-9090-964502ef59c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CreditExtensionCommitmentsNotionalAmount_019fec93-9951-74e7-a284-093338fe6395" xlink:href="fcnca-20260930.xsd#fcnca_CreditExtensionCommitmentsNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-72b2-9090-964502ef59c4" xlink:to="loc_fcnca_CreditExtensionCommitmentsNotionalAmount_019fec93-9951-74e7-a284-093338fe6395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails" xlink:type="simple" xlink:href="fcnca-20260930.xsd#COMMITMENTSANDCONTINGENCIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.firstcitizens.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-7188-a781-64235bf553ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-77f1-a37a-3946b8436184" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019fec93-9951-7188-a781-64235bf553ec" xlink:to="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-77f1-a37a-3946b8436184" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019fec93-9951-7242-a0c0-a90fd0efec1b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-77f1-a37a-3946b8436184" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019fec93-9951-7242-a0c0-a90fd0efec1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-757a-8f2b-29a7914949d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019fec93-9951-7242-a0c0-a90fd0efec1b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-757a-8f2b-29a7914949d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_OffBalanceSheetCommitmentMember_019fec93-9951-749b-b57e-939b7863239e" xlink:href="fcnca-20260930.xsd#fcnca_OffBalanceSheetCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fec93-9951-757a-8f2b-29a7914949d4" xlink:to="loc_fcnca_OffBalanceSheetCommitmentMember_019fec93-9951-749b-b57e-939b7863239e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019fec93-9951-77f1-a37a-3946b8436184" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_CreditExtensionCommitmentsNotionalAmount_019fec93-9951-76d9-8dda-dc17e89445a7" xlink:href="fcnca-20260930.xsd#fcnca_CreditExtensionCommitmentsNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:to="loc_fcnca_CreditExtensionCommitmentsNotionalAmount_019fec93-9951-76d9-8dda-dc17e89445a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DeferredPurchaseAgreementBorrowingsByClient_019fec93-9951-7f86-8f8c-b31ce931acd3" xlink:href="fcnca-20260930.xsd#fcnca_DeferredPurchaseAgreementBorrowingsByClient"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:to="loc_fcnca_DeferredPurchaseAgreementBorrowingsByClient_019fec93-9951-7f86-8f8c-b31ce931acd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DeferredPurchaseAgreementReceivablesWithCreditRisk_019fec93-9951-74c0-8cc2-b96c47836c69" xlink:href="fcnca-20260930.xsd#fcnca_DeferredPurchaseAgreementReceivablesWithCreditRisk"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:to="loc_fcnca_DeferredPurchaseAgreementReceivablesWithCreditRisk_019fec93-9951-74c0-8cc2-b96c47836c69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fcnca_DeferredPurchaseAgreementLineOfCreditFacilityMaximumBorrowingCapacity_019fec93-9951-7bc5-b2f1-65b99e50cf89" xlink:href="fcnca-20260930.xsd#fcnca_DeferredPurchaseAgreementLineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:to="loc_fcnca_DeferredPurchaseAgreementLineOfCreditFacilityMaximumBorrowingCapacity_019fec93-9951-7bc5-b2f1-65b99e50cf89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyRangeOfPossibleLossPortionNotAccrued_019fec93-9951-7adc-8324-61af54a5e19f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingencyRangeOfPossibleLossPortionNotAccrued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019fec93-9951-78db-b2ce-2d964b61f3ef" xlink:to="loc_us-gaap_LossContingencyRangeOfPossibleLossPortionNotAccrued_019fec93-9951-7adc-8324-61af54a5e19f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
