{"schema_version":"secwatch.filing_event.v1","accession":"0000811589-26-000151","form_type":"8-K","ticker":"FBNC","cik":"0000811589","company_name":"FIRST BANCORP /NC/","filed_at":"2026-07-22T20:05:34+00:00","discovered_at":"2026-07-22T20:07:01.535303+00:00","generated_at":"2026-07-22T20:07:29.431670+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Bancorp Q2 EPS $1.22, net income $50.5M; announces acquisition of First Carolina Bancshares","bullets":["Diluted EPS $1.22 vs $0.93 year ago; net income $50.5M, up 31% YoY.","Net interest margin expanded to 3.71% from 3.32% a year ago; efficiency ratio improved to 49.12%.","Total loans grew 9.3% YoY to $9.0B; total assets exceeded $13B.","Announced acquisition of First Carolina Bancshares (Carolina Bank) with $831M assets, expected close late 2026/early 2027.","Nonperforming assets low at 0.34% of total assets; net charge-offs 0.04% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0000811589-26-000151","json":"https://secwatch.observer/filing/0000811589-26-000151.json","markdown":"https://secwatch.observer/filing/0000811589-26-000151.md","text":"https://secwatch.observer/filing/0000811589-26-000151.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811589/000081158926000151/0000811589-26-000151-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811589/000081158926000151/fbnc-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:07:29.431670+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"}