FBNC FIRST BANCORP /NC/

Q3 2025 10-Q

Filed: Nov 7, 2025Period ending Sep 30, 2025

Financials

State Commercial BanksSEC EDGAR

FIRST BANCORP /NC/ (FBNC) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 7, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

AI Filing Analysis
Q3 2025 10-Q

Management Discussion & Analysis

• Noninterest income Q3 2025 negative $12.9M including $27.9M securities loss; excluding loss, up 10.7% YoY to $15.0M from $13.6M
• Noninterest expense $60.2M Q3 2025, +0.6% YoY from $59.9M; personnel expense increase offset by decreases in professional fees, amortization

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Risk Factors

• No material changes in Risk Factors since 2024 Annual Report on Form 10-K
• Economic uncertainty impacting loan performance and interest rate risk exposures remain significant operational risks

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Quarterly Financial Summary
XBRL

Revenue

$144M

Net Income

$20M

Net Margin

14.1%

ROE

1.3%

Total Assets

$12.8B

Source: XBRL data from FIRST BANCORP /NC/ Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.

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