First Bancorp

Third Quarter 2026 Financial Data   (Dollars in 000s, except per share data) Q3-2026 Q2-2026 Q3-2025 Summary Income Statement Total interest income $ 153,979 $ 148,315 $ 144,233 Total interest expense 39,182 37,049 41,711 Net interest income 114,797 111,266 102,522 Provision for credit losses 1,300 1,169 3,442 Noninterest income 15,117 16,034 (12,952) Noninterest expenses 63,991 62,761 60,171 Income tax expense 13,347 12,851 5,594 Net income $  51,276 $  50,519 $  20,363 Key Metrics Diluted EPS $    1.24 $    1.22 $    0.49 Adjusted diluted EPS (1) 1.24 1.22 1.01 Book value per share 41.38 41.49 38.67 Tangible book value per share 29.77 29.84 26.98 ROA 1.55 % 1.56 % 0.64 % Adjusted ROA (1) 1.56 % 1.56 % 1.31 % ROCE 11.71 % 11.89 % 5.14 % Adjusted ROCE (1) 11.79 % 11.89 % 10.55 % ROTCE 16.48 % 16.88 % 7.83 % Adjusted ROTCE (1) 16.59 % 16.88 % 15.66 % NIM 3.75 % 3.71 % 3.46 % NIM- T/E 3.76 % 3.73 % 3.47 % Efficiency ratio 49.09 % 49.12 % 66.92 % Quarterly NCO ratio 0.09 % 0.04 % 0.14 % ACL ratio 1.36 % 1.39 % 1.44 % Capital Ratios (2) Tangible common equity to tangible assets 9.73 % 9.83 % 9.12 % Common equity tier I capital ratio 14.26 % 14.09 % 14.35 % Total risk-based capital ratio 16.22 % 16.06 % 16.58 % (1) Q3-2026 adjusted to exclude impact of merger expenses of $0.5 million (after tax $0.3 million). Q3-2025 adjusted to exclude impact of securities loss of $27.9 million (after tax $21.4 million) See Appendices D, E, F, G and I.

First Bancorp (FBNC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

First Bancorp (FBNC) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Bank of America Corp DE acquired a new stake in shares of First Bancorp (NASDAQ: FBNC) during the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The fund acquired 11,427 shares of the financial services provider's stock, valued at approximately $343,000. A number of other large

SOUTHERN PINES, N.C., Sept. 15, 2026 /PRNewswire/ -- The Board of Directors of First Bancorp (NASDAQ: FBNC) (the "Company"), the parent company of First Bank, has declared a cash dividend on its common stock of $0.24 per share payable on October 23, 2026 to shareholders of record as of September 30, 2026.