{"schema_version":"secwatch.filing_event.v1","accession":"0000811589-25-000035","form_type":"8-K","ticker":"FBNC","cik":"0000811589","company_name":"FIRST BANCORP /NC/","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.426476+00:00","generated_at":"2026-05-18T03:54:30.082094+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Bancorp Q2 EPS $0.93 beats prior; NIM expands; dividend raised to $0.23","bullets":["Net income $38.6M ($0.93 diluted EPS) vs $36.4M ($0.88) linked and $28.7M ($0.70) YoY.","NIM expanded to 3.32% from 3.25% linked and 2.84% YoY; net interest income $96.7M (+4.1% linked).","Loans grew $122.6M (6.07% annualized) to $8.225B; core deposits up $140.4M.","Quarterly dividend raised to $0.23/share effective June 30, 2025.","Hurricane Helene reserve reduced $3.5M ($0.06/share benefit); NCOs 0.06% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0000811589-25-000035","json":"https://secwatch.observer/filing/0000811589-25-000035.json","markdown":"https://secwatch.observer/filing/0000811589-25-000035.md","text":"https://secwatch.observer/filing/0000811589-25-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811589/000081158925000035/0000811589-25-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811589/000081158925000035/fbnc-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:54:30.082094+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"}