{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-012693","form_type":"8-K","ticker":"FCBC","cik":"0000859070","company_name":"FIRST COMMUNITY BANKSHARES INC /VA/","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.487758+00:00","generated_at":"2026-05-23T09:49:43.114713+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"First Community Bankshares Q1 EPS $0.64, NIM 4.34%; declares $0.31 dividend","bullets":["Net income of $11.82M ($0.64 diluted EPS) for Q1 2025.","Net interest margin 4.34%; ROA 1.49% (down from 1.60%); ROE 9.49% (down from 10.18%).","Loans decreased $33.39M (1.38%) from Dec 31, 2024; deposits down $6.77M (0.25%).","Declared Q2 cash dividend of $0.31/share, payable May 23, 2025; 40th consecutive year of regular dividends.","NPL ratio 0.85% (up); net charge-offs $1.39M (0.24% annualized)."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-012693","json":"https://secwatch.observer/filing/0001437749-25-012693.json","markdown":"https://secwatch.observer/filing/0001437749-25-012693.md","text":"https://secwatch.observer/filing/0001437749-25-012693.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/859070/000143774925012693/0001437749-25-012693-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/859070/000143774925012693/fcbc20250310_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:49:43.114713+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"}