{"schema_version":"secwatch.filing_event.v1","accession":"0001057706-26-000010","form_type":"8-K","ticker":"FBP","cik":"0001057706","company_name":"FIRST BANCORP /PR/","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.884668+00:00","generated_at":"2026-05-15T04:47:43.036657+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 Q1 2026 net income $88.8M ($0.57 EPS), up 21% YoY; record PTPP $131M","bullets":["Net income $88.8M vs $77.1M YoY; diluted EPS $0.57 vs $0.47; ROAA 1.89% (17th consecutive quarter >1.5%).","Pre-tax pre-provision income hit all-time high $131.4M, up 2% QoQ and 5% YoY; net interest margin expanded to 4.75% from 4.52% a year ago.","Total loans $13.1B (down $38M QoQ); core deposits +$158.5M to $13.2B; NPAs fell $5.3M to $108.8M.","Capital strong: CET1 16.93%, total capital 18.19%; tangible book value $12.45 per share.","Returned $81.5M via buybacks ($50M) and dividends ($31.5M); net payout ratio 92%."],"urls":{"canonical":"https://secwatch.observer/filing/0001057706-26-000010","json":"https://secwatch.observer/filing/0001057706-26-000010.json","markdown":"https://secwatch.observer/filing/0001057706-26-000010.md","text":"https://secwatch.observer/filing/0001057706-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000010/0001057706-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000010/fbpPRQ12026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:47:43.036657+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":[{"claim_id":"850a47110b3ab63d1a356427972638545bdf2ea6","claim":"FIRST BANCORP /PR/ reported the quarter ended March 31, 2026 results: net income $88.8 million, EPS $0.57 per diluted share.","evidence_excerpt":"First BanCorp. (the “Corporation” or “First BanCorp.”) (NYSE: FBP), the bank holding company for FirstBank Puerto Rico (“FirstBank” or “the Bank”), today reported a net income of $88.8 million, or $0.57 per diluted share, for the first quarter of 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000010/0001057706-26-000010-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$88.8 million"},{"label":"EPS","value":"$0.57 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}