First Bancorp Reports Third Quarter Results

About this update from First Bancorp. New

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Available off-balance sheet sources totaled $2.5 billion at September 30, 2025.","length":198,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":2435,"olType":false},{"type":"readMore"},{"type":"text","content":" SOUTHERN PINES, N.C. , Oct. 22, 2025 /PRNewswire/ -- First Bancorp (the "Company") (NASDAQ - FBNC), the parent company of First Bank, reported unaudited third quarter earnings today. The Company announced net income of $20.4 million, or $0.49 D-EPS, for the three months ended September 30, 2025 compared to $38.6 million, or $0.93 D-EPS, for the three months ended June 30, 2025 ("linked quarter") and $18.7 million, or $0.45 D-EPS, for the third quarter of 2024 ("like quarter"). For the nine months ended September 30, 2025, the Company recorded net income of $95.3 million, or $2.30 per diluted common share, compared to $72.7 million, or $1.76 per diluted common share, for the nine months ended September 30, 2024.","length":749,"tagName":"p"},{"type":"text","content":"Adjusting for the securities loss-earnback transaction completed in July, adjusted net income was $41.8 million, or $1.01 adjusted D-EPS, for the third quarter of 2025. For the nine months ended September 30, 2025, adjusted net income was $116.8 million, or $2.82 adjusted D-EPS.","length":284,"tagName":"p"},{"type":"text","content":"The Company continued to enhance net interest income and net interest margin ("NIM") during the third quarter of 2025. The Company recorded net interest income of $102.5 million for the third quarter of 2025, compared to $96.7 million for the linked quarter and $83.0 million for the like quarter. NIM for the third quarter of 2025 expanded to 3.46% from 3.32% for the linked quarter and 2.88% for the like quarter.","length":425,"tagName":"p"},{"type":"text","content":"First Bancorp also continued to maintain expense control with noninterest expenses of $60.2 million for the third quarter of 2025, up slightly from $59.0 million for the linked quarter and $59.9 million for the like quarter. For the nine months ended September 30, 2025, the Company recorded noninterest expense of $177.1 million, down from $177.3 million, for the nine months ended September 30, 2024.","length":412,"tagName":"p"},{"type":"text","content":"The results for the third quarter 2025 include a securities loss of $27.9 million ($21.4 million after-taxes, or negative $0.52 per diluted share) from the securities loss-earnback transaction that included the sale of $194.3 million of available-for-sale securities yielding of 1.63%. The reconciliations from net income and D-EPS to adjusted net income and adjusted D-EPS (both non-GAAP measures) for the third quarter of 2025 are presented in Appendix D .","length":462,"tagName":"p"},{"type":"text","content":"The results for the third quarter of 2025 also include a $4.0 million reduction to the potential impacts to the allowance for credit losses from Hurricane Helene ($3.1 million after-taxes or $0.07 per diluted share).The reconciliations from net income and per share impact for the third quarter of 2025 are presented in Appendix H .","length":331,"tagName":"p"},{"type":"text","content":"Richard H. Moore, Chairman and CEO of the Company, stated "First Bancorp continues to improve financial results in 2025 with substantial margin expansion of 14 basis points and continued expense discipline. We grew loans over 9% annualized in the quarter and benefited from the increases in asset yields as assets originated in the COVID-era historic low interest rate environment continue to mature or reprice. Our liquidity position, capital levels and credit quality remain strong. We are very pleased with the Bank's performance through three quarters."","length":576,"tagName":"p"},{"type":"text","content":" Net Interest Income and Net Interest Margin ","length":43,"tagName":"p"},{"type":"text","content":"Net interest income for the third quarter of 2025 was $102.5 million, an increase of 6.0% from the linked quarter of $96.7 million and 23.4% from the like quarter of $83.0 million. The increase in net interest income from the linked and like quarters was primarily driven by our focused efforts to manage deposit costs after the rate cuts by the Federal Reserve, while increasing loan yields through originations as well as increased securities yields resulting from the securities loss-earnback transactions executed in the fourth quarter of 2024 and the third quarter of 2025.","length":578,"tagName":"p"},{"type":"text","content":"The Company's NIM for the third quarter of 2025 was 3.46%, an increase of 14 basis points from the linked quarter and 58 basis points from the like quarter. Within interest-earning assets, loan yields increased 16 basis points to 5.69%. Also, we executed a securities loss-earnback transaction including the purchase of $167.4 million of securities with a weighted average yield of 4.83% that contributed to the 14 basis point increase in the yield on securities as compared to the linked quarter. During the quarter ended September 30, 2025, the cost of interest-bearing deposits increased 4 basis points from the linked quarter and fell 41 basis points from the like quarter, attributable to the three rate cuts by the Federal Reserve between September and December 2024 and the one rate cut in September 2025. The like quarter expansion of NIM was driven by the same factors described above resulting in an increase of 84 basis points in securities yield, an increase of 18 basis points in loan yields, and a decrease of 41 basis points in the cost of interest-bearing deposits.","length":1095,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"5","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" For the Three Months Ended 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Additionally, the $0.1 million provision for unfunded commitments during the quarter was the result of an increase in the level of available unfunded lending commitments. Macro-economic forecasts are a key driver in the Company's CECL model and some of the September data reflected declines from the prior quarter which increased reserves. The provision for the third quarter of 2024 was driven by an incremental provision of $13.0 million related to potential loan exposure from Hurricane Helene.","length":1235,"tagName":"p"},{"type":"text","content":"Within the portions of Western North and South Carolina that were significantly impacted by Hurricane Helene starting late in the third quarter of 2024, the Company identified borrowers that were potentially impacted by the storm and subsequent economic impacts which represented approximately $674 million of loans outstanding as of September 30, 2025. Based upon its continuing evaluation of these potential impacts, the Company adjusted the incremental reserve for potential exposure from Hurricane Helene to $3.5 million as of September 30, 2025. The remaining incremental reserve contributes 5 basis points to the Allowance for Credit Losses at period end. The results for the third quarter of 2025 included a $4.0 million reduction to the potential impacts to the allowance for credit losses from Hurricane Helene.","length":840,"tagName":"p"},{"type":"text","content":"Asset quality remained strong with annualized net loan charge-offs of 0.14% for the third quarter of 2025. Total nonperforming assets ("NPAs") remained at a low level at $39.0 million at September 30, 2025, or 0.31% of total assets, up slightly from 0.28% at June 30, 2025 and 0.29% at September 30, 2024.","length":345,"tagName":"p"},{"type":"text","content":"The following table presents the summary of NPAs and asset quality ratios for each period.","length":90,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;","val":[{"type":"text","content":" ASSET QUALITY DATA ","length":18,"tagName":"p","attribs":{}},{"type":"text","content":" ($ in thousands) ","length":16,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" 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","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" 0.42 % ","length":11,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" 0.43 % ","length":11,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;","val":[{"type":"text","content":" Nonperforming assets to total assets 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","length":11,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" 0.29 % ","length":11,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;","val":[{"type":"text","content":" Allowance for credit losses to total loans ","length":42,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" 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Excluding the loss on securities, noninterest income totaled $15.0 million during the third quarter of 2025, a 4.8% increase from the $14.3 million recorded in the linked quarter and a 10.7% increase from the $13.6 million recorded for the like quarter. As compared to the linked quarter, noninterest income, excluding the loss on securities, was higher primarily due to a $0.7 million increase in gain on sale of the guaranteed portion of SBA loans.","length":629,"tagName":"p"},{"type":"text","content":" Noninterest Expenses ","length":20,"tagName":"p"},{"type":"text","content":"Noninterest expenses amounted to $60.2 million for the third quarter of 2025 compared to $59.0 million for the linked quarter and $59.9 million for the like quarter. The $1.2 million, or 2.1%, increase in noninterest expense from the linked quarter was driven by a $1.6 million increase in total personnel expenses arising from increased salaries and wages expense and incentives. The $0.4 million increase from the like quarter was driven by a $0.4 million increase in total personnel expenses and a $0.3 million increase in Occupancy and equipment related expenses, partially offset by a $0.2 million decline in Intangibles amortization expense.","length":682,"tagName":"p"},{"type":"text","content":" Income Taxes ","length":12,"tagName":"p"},{"type":"text","content":"Income tax expense totaled $5.6 million for the third quarter of 2025 compared to $11.3 million for the linked quarter and $3.9 million for the like quarter. These equated to effective tax rates of 21.6%, 22.6% and 17.2% for the respective periods.","length":263,"tagName":"p"},{"type":"text","content":" Balance Sheet ","length":13,"tagName":"p"},{"type":"text","content":"Total assets at September 30, 2025 were $12.8 billion, an increase of $142.0 million, or 4.5% annualized, from the linked quarter and an increase of $596.8 million, or 4.9%, from a year earlier. The increase from the linked quarter was primarily driven by loan growth and an increase in our available for sale securities portfolio.","length":341,"tagName":"p"},{"type":"text","content":"Key period end balance sheet components are presented below.","length":60,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;","val":[{"type":"text","content":" BALANCES ","length":8,"tagName":"p","attribs":{}},{"type":"text","content":" ($ in thousands) ","length":16,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" September 30, 2025 ","length":19,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" June 30, 2025 ","length":14,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" September 30, 2024 ","length":18,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" Change 3Q25 vs 2Q25 ","length":21,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" Change 3Q25 vs 3Q24 ","length":21,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagNam...

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