Inferra AI / Company / FBNC
First Bancorp /Nc
FBNC · Financials
Last earnings Oct 21, 2026
Key results
Net incomequarter
$51.3 million
net income of $51.3 million, or $1.24 diluted earnings per share ( D-EPS ), for the three months ended September 30, 2026 compared to $50.5 million, or $1.22 D-EPS, for the three months ended June 30, 2026 ( linked quarter ) and $20.4 million, or $0.49 D-EPS, for the third quarter of 2025 ( like quarter ).
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
EPSquarter
$1.24
net income of $51.3 million, or $1.24 diluted earnings per share ( D-EPS ), for the three months ended September 30, 2026 compared to $50.5 million, or $1.22 D-EPS, for the three months ended June 30, 2026 ( linked quarter ) and $20.4 million, or $0.49 D-EPS, for the third quarter of 2025 ( like quarter ).
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
Adjusted net incomequarter
$41.8 million
Adjusting for the securities loss-earnback transaction completed in the third quarter of 2025, adjusted net income was $41.8 million, or $1.01 adjusted D-EPS, for the like quarter.
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
Adjusted D EPSquarter
$1.01
Adjusting for the securities loss-earnback transaction completed in the third quarter of 2025, adjusted net income was $41.8 million, or $1.01 adjusted D-EPS, for the like quarter.
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
net income of $51.3 million ($51.6 million on an adjusted basis) ROA of 1.55% (Adjusted ROA of 1.56%) ROCE of 11.71% (Adjusted ROCE of 11.79%) ROTCE 16.48% (Adjusted ROTCE of 16.59%) Management continues to control expenses resulting in $64.0 million of NIE Earnings NIM increased 4 basis points to 3.75% Net Interest In
SEC original ↗First Bancorp /Nc — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2026
AI analysis
Q3 2026 · reported Oct 21, 2026
Based on: Earnings release + Q3 2026 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2026 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $51.3 million | — | — |
| EPS | $1.24 | — | — |
| Adjusted net income | $41.8 million | — | — |
| Adjusted D EPS | $1.01 | — | — |
Guidance · company-stated
No guidance located in the held release
Event summary
First Bancorp /Nc Q3 2026 — net income of $51.3 million, or $1.24 diluted earnings per share ( D-EPS ), for the three months ended September 30, 2026 compared to $50.5 million, or $1.22 D-EPS, for the three months ended June 30,…
Based on: Earnings release + Q3 2026 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Strategy & priorities
The net interest margin was 3.75% for the quarter ended September 30, 2026, an expansion of 0.04% from the linked quarter and 0.29% from the like quarter.
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
The linked quarter expansion of NIM was driven by a $152.6 million increase in average loans along with an 8 basis points expansion in loan yield.
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
The like quarter expansion of NIM was driven by growth of $751.5 million in average loans, coupled with a 6 basis point yield increase as well as the cost of interest bearing deposits decreasing 17 basis points.
SEC original ↗First Bancorp /Nc — Earnings release (8-K exhibit)EX-99Oct 21, 2026
Capital levels afford management strategic flexibility.
SEC original ↗First Bancorp /Nc — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2026
and focused on high growth markets.
SEC original ↗First Bancorp /Nc — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2026
Risks & headwinds
The forward-looking statements are inherently subject to risks and uncertainties.
SEC original ↗First Bancorp /Nc — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2026
These forward-looking statements are subject to numerous assumptions, risks and uncertainties which change over time.
SEC original ↗First Bancorp /Nc — Presentation / slide deck (8-K exhibit)EX-99Oct 21, 2026
Earnings deck slides
0 decks with slide viewFirst Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
First Bancorp /Nc — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
30 documents- Q3 2026
- 8-KFBNC
Oct 21, 2026
- Q2 2026
- 8-KFBNC
Sep 15, 2026
- 10-QFBNC
Aug 6, 2026
- 8-KFBNC
Jul 22, 2026
- 8-KFBNC
Jul 14, 2026
- Q1 2026
- 8-KFBNC
Jun 12, 2026
- 10-QFBNC
May 7, 2026
- 8-KFBNC
Apr 29, 2026
- 8-KFBNC
Apr 28, 2026
- 8-KFBNC
Apr 22, 2026
- Q4 2025
- 8-KFBNC
Mar 13, 2026
- 8-KFBNC
Mar 2, 2026
- 10-KFBNC
Feb 25, 2026
- 8-KFBNC
Jan 27, 2026
- 8-KFBNC
Jan 21, 2026
- Q3 2025
- 8-KFBNC
Dec 12, 2025
- 10-QFBNC
Nov 7, 2025
- 8-KFBNC
Oct 30, 2025
- 8-KFBNC
Oct 22, 2025
- Q2 2025
- 8-KFBNC
Sep 12, 2025
- 10-QFBNC
Aug 7, 2025
- 8-K/AFBNC
Jul 30, 2025
- 8-KFBNC
Jul 23, 2025
- Q1 2025
- 8-KFBNC
Jun 13, 2025
- 10-QFBNC
May 9, 2025
- 8-KFBNC
May 1, 2025
- 8-KFBNC
Apr 23, 2025
- Q4 2024
- 8-KFBNC
Mar 14, 2025
- 8-KFBNC
Mar 10, 2025
- 10-KFBNC
Feb 26, 2025
Earnings releases
5 documentsPresentations
13 documents
Transcripts
0 documentsNo transcripts for First Bancorp /Nc are held in this edition of the library.
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