{"schema_version":"secwatch.filing_event.v1","accession":"0000811589-24-000050","form_type":"8-K","ticker":"FBNC","cik":"0000811589","company_name":"FIRST BANCORP /NC/","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.950985+00:00","generated_at":"2026-05-31T17:40:39.210469+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Bancorp Q2 net income $28.7M ($0.70 EPS); NIM expands to 2.87%","bullets":["Net income $28.7M ($0.70 diluted EPS), up from $25.3M ($0.61) linked quarter; vs $29.4M ($0.71) year ago.","Tax-equivalent NIM rose 7 bps to 2.87% (linked qtr 2.80%); loan yield increased to 5.50%.","Customer deposits grew $336.6M; brokered deposits fell $152M; total deposits up $184.5M to $10.49B.","Nonperforming assets ratio 0.37% (down 2 bps linked); annualized net charge-offs 0.07%.","Estimated total risk-based capital ratio 16.23% (up from 15.85%); tangible common equity ratio 7.76%."],"urls":{"canonical":"https://secwatch.observer/filing/0000811589-24-000050","json":"https://secwatch.observer/filing/0000811589-24-000050.json","markdown":"https://secwatch.observer/filing/0000811589-24-000050.md","text":"https://secwatch.observer/filing/0000811589-24-000050.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811589/000081158924000050/0000811589-24-000050-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811589/000081158924000050/fbnc-20240724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:40:39.210469+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}