First Citizens Financial Corp Q4 2025 Filing

Filed January 6, 2026

Portfolio Value

$202.4B

Holdings

127

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (127 positions)

#	Stock	Shares	Value	% Portfolio
1	IYWISHARE DOW JONES TECH	90,319	$18.0B	8.91%
2	EFAISHARE MSCI EAFE FUND	79,329	$7.6B	3.76%
3	IJKISHARE S&P MIDCAP 400/GROWTH INDEX FUND	73,549	$7.1B	3.52%
4	IYFISHARE DOW JONES FINANCIAL SECTOR	54,423	$7.0B	3.47%
5	IJJISHARE S&P MIDCAP 400/VALUE INDEX FUND	50,993	$6.7B	3.31%
6	IYHISHARE DOW JONES HEALTHCARE	93,617	$6.1B	3.01%
7	BRK/BBERKSHIRE HATHAWAY INC CL B	11,186	$5.6B	2.78%
8	AAPLAPPLE INC	20,681	$5.6B	2.78%
9	IYCISHARE DOW JONES CONSUMER DISCRETIONARY ETF	49,931	$5.1B	2.54%
10	VTIVANGUARD TOTAL STOCK MKT INDEX	14,746	$4.9B	2.44%
11	IYJISHARE DOW JONES INDUSTRIAL	33,103	$4.9B	2.42%
12	IJTISHARE S&P SMALL CAP 600 GROWTH INDEX	33,185	$4.7B	2.31%
13	IJSISHARE S&P SMALLCAP 600 BARRA VALUE IND	40,472	$4.6B	2.27%
14	QUALISHARES EDGE MSCI USA QUALITY FACTOR ETF	19,836	$3.9B	1.95%
15	MSFTMICROSOFT CORP	8,023	$3.9B	1.92%
16	XLKTECHNOLOGY SELECT SECTOR SPDR FD	22,343	$3.2B	1.59%
17	JPMJPMORGAN CHASE & CO COM	9,876	$3.2B	1.57%
18	NDQINVESCO QQQ TR UNIT SER 1	5,136	$3.2B	1.56%
19	CMICUMMINS INC COM	5,740	$2.9B	1.45%
20	LLYELI LILLY & CO	2,602	$2.8B	1.38%
21	JPIEJ P MORGAN INCOME ETF	59,318	$2.7B	1.36%
22	IYKISHARE U.S. CONSUMER STAPLES ETF	38,666	$2.6B	1.28%
23	JPSTJP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC	45,702	$2.3B	1.14%
24	CATCATERPILLAR INC STOCK	3,669	$2.1B	1.04%
25	NEARISHARES SHORT DURATION BOND ACTIVE ETF	39,161	$2.0B	0.99%
26	IVWISHARE S&P 500/ GROWTH INDEXFUND	16,195	$2.0B	0.99%
27	GSGOLDMAN SACHS GROUP INC	2,129	$1.9B	0.92%
28	VWOETF VANGUARD EMERGING MARKETS	34,734	$1.9B	0.92%
29	IDUISHARE DOW JONES UTILITIES	16,826	$1.8B	0.90%
30	PHYLPGIM ACTIVE HIGH YIELD BD ETF	51,036	$1.8B	0.89%
31	DWDMORGAN STANLEY	10,132	$1.8B	0.89%
32	IYRISHARES DJ US REAL ESTATE	18,708	$1.8B	0.87%
33	PTRBPGIM ETF TR TOTAL RETURN BOND	41,397	$1.7B	0.86%
34	HDHOME DEPOT INC COMMON STOCK	4,947	$1.7B	0.84%
35	IYEISHARE DOW JONES ENERGY	35,669	$1.7B	0.84%
36	DYNFISHARES US EQUITY FACTOR ROTATION ACTIVE ETF	27,498	$1.7B	0.83%
37	NVDANVIDIA CORP	8,616	$1.6B	0.79%
38	PULSPGIM ULTRA SHORT ETF BOND	31,702	$1.6B	0.78%
39	JNJJOHNSON & JOHNSON COM	7,253	$1.5B	0.74%
40	XLFSELECT SECTOR SPDR TRX FINANCIAL	26,821	$1.5B	0.73%
41	PYLDPIMCO MULTISECTOR BD	54,824	$1.5B	0.72%
42	VOXVANGUARD COMMUNICATION SERVICES ETF	7,207	$1.4B	0.69%
43	IYMISHARE DOW JONES BASIC MATERIALS	8,968	$1.4B	0.68%
44	BILSPDR SER TR SPDR BLOOMBERG	14,931	$1.4B	0.67%
45	JOYTJ P MORGAN EQUITY FOCUS ETF	17,443	$1.3B	0.64%
46	VVISA INC	3,623	$1.3B	0.63%
47	ABBVABBVIE INC	5,314	$1.2B	0.60%
48	PREFPRINCIPAL SPECTRUM PREF SEC ACTIVE ETF	60,814	$1.2B	0.57%
49	EFVISHARES MSCI VALUE INDEX FUND EAFE ETF	16,132	$1.2B	0.57%
50	XLCSELECT SECTOR SPDR TR COMMUNICATION	9,453	$1.1B	0.55%
51	EMGFISHARES EMERGING MARKETS EQUITY FACTOR ETF	19,135	$1.1B	0.55%
52	STLDSTEEL DYNAMICS INC	6,200	$1.1B	0.52%
53	LOWLOWES COMPANIES INC	4,243	$1.0B	0.51%
54	JCPBJ P MORGAN CORE PLUS BD ETF	21,336	$1.0B	0.50%
55	MCDMCDONALDS CORP	3,191	$975.0M	0.48%
56	JPIBJ P MORGAN INTL BD OPP ETF	19,912	$969.0M	0.48%
57	OEFISHARE S&P 100 INDEX	2,774	$951.0M	0.47%
58	VCRBVANGUARD MALVERN FDS CORE BD ETF	12,208	$950.0M	0.47%
59	MTUMISHARES MSCI USA MOMENTUM FACTOR ETF	3,767	$942.0M	0.47%
60	XLVSELECT SECTOR SPDR TR SBI HEALTHCARE	6,015	$931.0M	0.46%
61	XLISELECT SECTOR SPDR TR SBI INT-INDS	5,873	$911.0M	0.45%
62	XLYCONSUMER DISCRETIONARY SELECT SECTOR SPDR FD	7,542	$900.0M	0.44%
63	AMZNAMAZON COM INC	3,639	$839.0M	0.41%
64	AQLTISHARE DOW JONES SELECT DIV INDEX FUND	5,914	$834.0M	0.41%
65	USMVISHARES TR MIN VOL USA ETF	8,637	$813.0M	0.40%
66	AQLTISHARES TR CORE MSCI EAFE	9,079	$811.0M	0.40%
67	GOOGLALPHABET INC CLASS A	2,591	$810.0M	0.40%
68	GLWCORNING INC COM	9,177	$803.0M	0.40%
69	CSCOCISCO SYSTEMS INC	10,353	$797.0M	0.39%
70	BACBANK OF AMERICA CORP	13,916	$765.0M	0.38%
71	EFGISHARES MSCI EAFE GROWTH INDEX FUND ETF	6,252	$712.0M	0.35%
72	IDV*ISHARE DOW JONES INTL SELECT DIV IDX	17,719	$699.0M	0.35%
73	VOOVANGUARD INDEX FDS S&P 500 ETF SHS	1,080	$677.0M	0.33%
74	RTXRTX CORPORATION	3,666	$672.0M	0.33%
75	BNDVANGUARD TOTAL BOND MARKET ETF	8,965	$664.0M	0.33%
76	METAMETA PLATFORMS, INC	997	$658.0M	0.33%
77	UNPUNION PACIFIC CORP	2,662	$615.0M	0.30%
78	AFLAFLAC INC	5,450	$600.0M	0.30%
79	PNCPNC FINANCIAL SERVICES CORP	2,850	$594.0M	0.29%
80	BIVVANGUARD INTERMEDIATE TERM B	7,582	$590.0M	0.29%
81	VXUSVANGUARD TOTAL INTL STOCK INDEX	7,469	$563.0M	0.28%
82	ORCLORACLE CORP COM	2,876	$560.0M	0.28%
83	XLESECTOR SPDR-ENERGY	12,164	$543.0M	0.27%
84	VLUEISHARES MSCI USA VALUE FACTOR ETF	3,925	$536.0M	0.26%
85	WFCWELLS FARGO & CO NEW	5,744	$535.0M	0.26%
86	PGPROCTER & GAMBLE CO COM	3,679	$527.0M	0.26%
87	FLCBFRANKLIN US CORE BOND ETF	23,496	$508.0M	0.25%
88	FTRBFEDERATED HERMES TOTAL RET BOND	19,467	$494.0M	0.24%
89	DEDEERE & CO COM	1,055	$491.0M	0.24%
90	XLFICONSUMER STAPLES SPDR	6,319	$490.0M	0.24%
91	MRKMERCK & CO INC COM	4,515	$475.0M	0.23%
92	AVGOBROADCOM INC COM	1,307	$452.0M	0.22%
93	GOOGALPHABET INC CLASS C	1,428	$448.0M	0.22%
94	KOCOCA COLA COMMON STOCK	6,402	$447.0M	0.22%
95	HONHONEYWELL INTL INC COM	2,223	$433.0M	0.21%
96	TTTRANE TECHNOLOGIES PLC ORD SHS	1,051	$409.0M	0.20%
97	COFCAPITAL ONE FINANCIAL	1,682	$407.0M	0.20%
98	SPYSPDR S&P 500 ETF TRUST	558	$380.0M	0.19%
99	DONSPDR DOW JONES INDL AVRG ETF UT SER 1	775	$372.0M	0.18%
100	COSTCOSTCO WHOLESALE CORP	401	$345.0M	0.17%

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