{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-050819","form_type":"8-K","ticker":"FCBM","cik":"0001531193","company_name":"First Carolina Financial Services, Inc.","filed_at":"2026-07-30T12:11:18+00:00","discovered_at":"2026-07-30T12:15:00.336986+00:00","generated_at":"2026-07-30T12:15:18.464389+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Carolina Q2 EPS $0.20, net income up 11%; IPO raises $69.3M","bullets":["Net income $5.1M ($0.20 diluted EPS) vs $4.6M ($0.18) in Q2 2025, an 11% increase.","Completed IPO of 5.5M shares at $12.50, plus full underwriter option, net proceeds ~$69.3M.","Loan growth $58.1M (annualized 8.9%); net interest margin expanded 18 bps to 3.23%.","Zero net charge-offs; nonperforming assets improved to 0.65% of total assets from 0.89% a year ago.","Brokered deposits declined $211M replaced by $246M non-brokered deposits in H1 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-050819","json":"https://secwatch.observer/filing/0001628280-26-050819.json","markdown":"https://secwatch.observer/filing/0001628280-26-050819.md","text":"https://secwatch.observer/filing/0001628280-26-050819.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531193/000162828026050819/0001628280-26-050819-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531193/000162828026050819/fcbm-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T12:15:18.464389+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"}