Financial insights of FBNC

MyFinsight

For the quarter ending 2025-09-30, FBNC made $261,148K in revenue. $20,363K in net income. Net profit margin of 7.80%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	118,822	112,931
Taxable interest income	17,571	16,857
Tax-exempt interest income	1,114	1,116
Other, principally overnight investments	6,693	5,837
Total interest income	144,200	136,741
Interest on deposits	40,035	38,405
Interest on borrowings	1,676	1,660
Total interest expense	41,711	40,065
Net interest income	102,489	96,676
Provision for credit losses	3,442	2,212
Net interest income after provision for credit losses	99,047	94,464
Service charges on deposit accounts	4,225	3,976
Other service charges and fees	6,355	6,595
Presold mortgage loan fees and gains on sale	471	315
Commissions from sales of financial products	1,678	1,388
Sba loan sale gains	869	151
Bank-owned life insurance income	1,289	1,221
Securities losses, net	-27,905	0
Other income, net	139	695
Total noninterest income	-12,879	14,341
Salaries, incentives and commissions expense	31,065	29,005
Employee benefit expense	5,751	6,187
Total personnel expense	36,816	35,192
Occupancy and equipment expense	5,145	5,195
Intangibles amortization expense	1,394	1,468
Other operating expenses	16,856	17,128
Total noninterest expenses	60,211	58,983
Income before income taxes	25,957	49,822
Income tax expense	5,594	11,256
Net income	20,363	38,566

Basic (in dollars per share)	0.49	0.93
Basic (in shares)	41,237,874	41,168,260
Diluted (in dollars per share)	0.49	0.93
Diluted (in shares)	41,481,542	41,441,393