Filing Flows › First Carolina Financial Services (FCBM) › Q2 2026 › vs Q2 2025
First Carolina Financial Services (FCBM) Q2 2026 vs Q2 2025 (year over year)
First Carolina Financial Services's revenue fell $4.5M (-12%) from $36.7M in Q2 2025 to $32.3M in Q2 2026. Operating margin 20.1% against 16.8% (+3.3 pts).
First Carolina Financial Services, Q2 2026: revenue $32.3M (-12% year over year), operating margin 20.1%, net earnings $5.1M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 20.1% | 16.8% | +3.3 pts |
| Net margin | 15.8% | 12.5% | +3.3 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $32.3M | $36.7M | −$4.5M | -12% |
| Operating profit | $6.5M | $6.2M | $330K | +5% |
| Costs & expenses | $25.8M | $30.6M | −$4.8M | -16% |
| Pre-tax earnings | $6.5M | $6.2M | $330K | +5% |
| Credit loss provision | $273K | −$169K | $442K | — |
| Noninterest expense | $25.5M | $30.7M | −$5.2M | -17% |
| Net earnings | $5.1M | $4.6M | $505K | +11% |
| Income tax | $1.4M | $1.6M | −$175K | -11% |
Questions
How much did First Carolina Financial Services's revenue grow year over year in Q2 2026?
First Carolina Financial Services's revenue fell $4.5M (-12%) from $36.7M in Q2 2025 to $32.3M in Q2 2026. Operating margin 20.1% against 16.8% (+3.3 pts).