{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-015281","form_type":"8-K","ticker":"FCBC","cik":"0000859070","company_name":"FIRST COMMUNITY BANKSHARES INC /VA/","filed_at":"2024-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.157658+00:00","generated_at":"2026-06-02T14:53:06.708917+00:00","sec_items":["8.01"],"event_type":"litigation","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Community Bankshares agrees to $4.8M settlement over overdraft fee class action","bullets":["Settlement establishes a $4.8 million fund and forgives up to $500,000 in unpaid fees.","Lawsuit alleged improper overdraft and NSF fees on debit card transactions.","Bank admits no wrongdoing and will receive a complete release of claims.","Company previously accrued $3.0 million for this liability; settlement total is ~$5.3 million.","Settlement is subject to documentation and preliminary and final court approval."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-015281","json":"https://secwatch.observer/filing/0001437749-24-015281.json","markdown":"https://secwatch.observer/filing/0001437749-24-015281.md","text":"https://secwatch.observer/filing/0001437749-24-015281.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/859070/000143774924015281/0001437749-24-015281-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/859070/000143774924015281/fcbc20240507_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T14:53:06.708917+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"}