Risk factors

First Bancorp (FBNC) risk factors

Item 1A of every First Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    27 risks1 new4 dropped7 reworded

    First Bancorp updated its risk disclosures to highlight third-party vendor cyberattacks and digital asset disintermediation threats.

    Filed Feb 25, 2026
  • FY2024 10-K risk factors
    30 risks

    First Bancorp faces regional economic risks concentrated in the Carolinas, alongside heavy exposure to commercial real estate loans, uninsured deposits, and interest rate fluctuations.

    Filed Feb 26, 2025