{"schema_version":"secwatch.filing_event.v1","accession":"0001057706-26-000020","form_type":"8-K","ticker":"FBP","cik":"0001057706","company_name":"FIRST BANCORP /PR/","filed_at":"2026-07-22T13:32:52+00:00","discovered_at":"2026-07-22T13:34:01.352930+00:00","generated_at":"2026-07-22T13:34:19.512226+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 2026 net income $96.1M ($0.62 EPS), up 20% YoY; record adjusted PTPP income $137.5M","bullets":["Net income $96.1M ($0.62 diluted EPS) vs $80.2M ($0.50) in Q2 2025, up 20% YoY.","Adjusted pre-tax pre-provision income record $137.5M; net interest margin expanded to 4.87% from 4.75% QoQ.","Total loan originations $1.7B (+21% YoY); loans grew $168.8M to $13.3B.","Credit quality: net charge-offs to avg loans 0.49% (down from 0.65% QoQ); NPLs $94.6M (+$6.8M).","CET1 ratio 16.96%; returned 84% of earnings via dividends ($31M) and buybacks ($50M)."],"urls":{"canonical":"https://secwatch.observer/filing/0001057706-26-000020","json":"https://secwatch.observer/filing/0001057706-26-000020.json","markdown":"https://secwatch.observer/filing/0001057706-26-000020.md","text":"https://secwatch.observer/filing/0001057706-26-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000020/0001057706-26-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000020/fbpPRQ22026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T13:34:19.512226+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"}