{"schema_version":"secwatch.filing_event.v1","accession":"0000811589-25-000072","form_type":"8-K","ticker":"FBNC","cik":"0000811589","company_name":"FIRST BANCORP /NC/","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.234628+00:00","generated_at":"2026-05-17T02:54:15.773223+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Bancorp reports Q3 adjusted EPS $1.01; margin expands to 3.46%, loans grow 9.3% annualized","bullets":["Net income $20.4M ($0.49 D-EPS) includes $27.9M securities loss; adjusted EPS $1.01.","Net interest margin expanded 14 bps to 3.46%; net interest income up 6% linked quarter to $102.5M.","Loan growth of $193.6M (9.3% annualized); loan yield up 16 bps to 5.69%.","Securities loss-earnback: sold $194.3M (yield 1.63%), bought $167.4M at 4.83%, $27.9M loss.","Hurricane Helene provision release of $4.0M; credit quality stable with NCO ratio 0.14%."],"urls":{"canonical":"https://secwatch.observer/filing/0000811589-25-000072","json":"https://secwatch.observer/filing/0000811589-25-000072.json","markdown":"https://secwatch.observer/filing/0000811589-25-000072.md","text":"https://secwatch.observer/filing/0000811589-25-000072.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811589/000081158925000072/0000811589-25-000072-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811589/000081158925000072/fbnc-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:54:15.773223+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"}