** Regional lender First Citizens Bancshares' FCNCA.O stock falls as much as 3.2%; last down 1.3% at $2,181.30
** KBW downgrades company's shares to "market perform" from "outperform"
** Brokerage says FCNCA shares are now trading at a premium after a "monster" move in the stock resulting in a more balanced risk/reward
** KBW says bank's balance sheet is positioned well to withstand a higher-for-longer interest rate environment, but believes that is mostly reflected in the improved valuation
** 6 of 12 brokerages rate the stock "buy" or higher and 6 "hold"; median PT $2,300 - LSEG
** As of last close, FCNCA shares up 55.7% YTD
(Reporting by Arasu Kannagi Basil in Bengaluru)
((ArasuKannagi.Basil@thomsonreuters.com))
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