First Carolina Financial Services, Inc. (FCBM)

NYSE: FCBM · Real-Time Price · USD

12.66

-0.58 (-4.38%)

At close: Jul 1, 2026, 4:00 PM EDT

12.70

+0.04 (0.32%)

After-hours: Jul 1, 2026, 7:00 PM EDT

FCBM Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	166.8	166.68	158.15	120.79
Interest Income on Investments	23.96	22.76	17.94	14.77
Total Interest Income	190.77	189.43	176.09	135.57
Interest Paid on Deposits	85.83	86.17	78.51	62.17
Interest Paid on Borrowings	4.78	4.82	6.02	7.52
Total Interest Expense	90.61	90.99	84.53	69.69
Net Interest Income	100.16	98.44	91.56	65.88
Net Interest Income Growth (YoY)	-	7.51%	38.98%	-
Gain (Loss) on Sale of Investments	1.83	1.72	-	0.11
Other Non-Interest Income	3.4	4.54	2.22	1.19
Total Non-Interest Income	41.22	43.24	5.48	2.41
Non-Interest Income Growth (YoY)	-	689.79%	127.56%	-
Revenues Before Loan Losses	141.38	141.68	97.04	68.28
Provision for Loan Losses	7.61	8.54	-1.77	1.3
Revenue	133.77	133.14	98.8	66.98
Revenue Growth (YoY)	-	34.76%	47.50%	-
Salaries and Employee Benefits	51.66	51.65	26.61	20.25
Occupancy Expenses	15.54	14.26	3.21	2.58
Federal Deposit Insurance	4.15	3.89	2.95	2.41
Amortization of Goodwill & Intangibles	2.69	2.54	-	-
Selling, General & Administrative	29.64	28.06	10.67	8.67
Other Non-Interest Expense	4.84	6.84	28.5	8.39
Total Non-Interest Expense	108.52	107.23	71.94	42.29
EBT Excluding Unusual Items	25.24	25.91	26.86	24.7
Other Unusual Items	-8.18	-10.36	-0.42	-
Pretax Income	17.06	15.55	26.44	24.7
Income Tax Expense	3.66	3.35	5.53	5.07
Net Income	13.41	12.2	20.91	19.63
Net Income to Common	13.41	12.2	20.91	19.63
Net Income Growth	-	-41.66%	6.54%	-
Basic Shares Outstanding	12	12	11	11
Diluted Shares Outstanding	12	12	11	11
Shares Change (YoY)	-	12.25%	1.80%	-
EPS (Basic)	1.09	0.99	1.92	1.82
EPS (Diluted)	1.09	0.99	1.90	1.81
EPS Growth	-	-47.89%	4.97%	-
Effective Tax Rate	21.43%	21.56%	20.91%	20.52%

SEC Filings: 10-K · 10-Q