{"schema_version":"secwatch.filing_event.v1","accession":"0000811589-24-000061","form_type":"8-K","ticker":"FBNC","cik":"0000811589","company_name":"FIRST BANCORP /NC/","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.072038+00:00","generated_at":"2026-05-30T11:18:07.380683+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Bancorp Q3 net income $18.7M ($0.45 EPS); $13M Hurricane Helene provision","bullets":["Net income $18.7M vs $28.7M linked quarter; adjusted net income $29.0M ($0.70) excluding Helene charges.","Recorded $13.0M incremental provision for credit losses related to Hurricane Helene; total provision $14.2M.","NIM (tax-equivalent) 2.90%, up 3 bps from linked quarter; total cost of funds steady at 1.81%.","Nonperforming assets to total assets 0.38%, up slightly from 0.37% linked quarter.","Loans $8.0B down 0.6% linked quarter; deposits grew $17.1M with brokered deposits declining."],"urls":{"canonical":"https://secwatch.observer/filing/0000811589-24-000061","json":"https://secwatch.observer/filing/0000811589-24-000061.json","markdown":"https://secwatch.observer/filing/0000811589-24-000061.md","text":"https://secwatch.observer/filing/0000811589-24-000061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811589/000081158924000061/0000811589-24-000061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811589/000081158924000061/fbnc-20241023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:18:07.380683+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"}