{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-031774","form_type":"8-K","ticker":"FCBC","cik":"0000859070","company_name":"FIRST COMMUNITY BANKSHARES INC /VA/","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.166458+00:00","generated_at":"2026-05-30T12:12:01.929592+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Community Bankshares Q3 net income $13.03M ($0.71 EPS), down 11% YoY; declares $0.31 dividend","bullets":["Net income $13.03M ($0.71 diluted EPS) for Q3 2024, vs $14.64M ($0.79) a year ago, down 10.98%.","Net interest margin 4.41%, down 10 bps YoY; net interest income fell $1.75M on higher deposit costs.","Noninterest income up 8.63% to ~$10.44M, including $825K gain on sale of two closed branches.","Non-performing loans to total loans rose to 0.82%; net charge-offs were $1.13M (0.18% annualized).","Quarterly cash dividend $0.31/share, payable Nov 22, record Nov 8; 39th consecutive year."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-031774","json":"https://secwatch.observer/filing/0001437749-24-031774.json","markdown":"https://secwatch.observer/filing/0001437749-24-031774.md","text":"https://secwatch.observer/filing/0001437749-24-031774.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/859070/000143774924031774/0001437749-24-031774-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/859070/000143774924031774/fcbc20240827_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:12:01.929592+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"}