{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031996","form_type":"8-K","ticker":"FCBC","cik":"0000859070","company_name":"FIRST COMMUNITY BANKSHARES INC /VA/","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.378104+00:00","generated_at":"2026-05-17T02:05:29.668632+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 Q3 net income down 5.9% to $0.67 EPS; adjusted net income up 4%","bullets":["Net income of $12.27M ($0.67 diluted EPS) down 5.89% YoY; adjusted net income of $12.90M up 4% YoY.","Net interest margin 4.43%, up 2 bps YoY; noninterest income rose 4.18% on higher service charges and wealth management fees.","Noninterest expense up 8.69%, partly due to $787K merger costs for Hometown Bank merger (expected close Jan 2026).","Non-performing assets fell to $16.90M from $20.54M at year-end 2024; loan-to-deposit ratio 89.38%.","Quarterly dividend of $0.31/share declared, payable Nov 28 to holders of record Nov 14; 40th consecutive year of dividends."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031996","json":"https://secwatch.observer/filing/0001437749-25-031996.json","markdown":"https://secwatch.observer/filing/0001437749-25-031996.md","text":"https://secwatch.observer/filing/0001437749-25-031996.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/0001437749-25-031996-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/859070/000143774925031996/fcbc20250802_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:05:29.668632+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"}