First Bancorp Q4 2025 adjusted EPS $1.19; NIM expands to 3.58%, loan growth 14.3% annualized

FIRST BANCORP /NC/

2025-FY EPS reported $2.68 revenue$67,623,000

GAAP D-EPS $0.38 includes $43.7M securities loss; adjusted D-EPS $1.19 vs $0.76 in Q4 2024.
Net interest margin 3.58%, up 53 bps YoY; net interest income $106.2M, +19.5% YoY.
Loans grew $303.2M (14.3% annualized) to $8.72B; credit quality stable, NCO ratio 0.05%.
Securities loss-earnback: sold $342M at 1.67%, bought $228.4M at 4.36% yield; total securities loss $43.7M.
Tangible common equity ratio improved to 9.61% from 8.22% a year ago; total risk-based capital 16.08%.

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