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  <xs:element id="fbnc_SmallBusinessAdministrationLoanSoldPortionMember" abstract="true" name="SmallBusinessAdministrationLoanSoldPortionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbnc_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" abstract="false" name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_OriginationOfSBALoansForSale" abstract="false" name="OriginationOfSBALoansForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbnc_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_NoncashOrPartNoncashDivestitureIntangibleAssetsDerecognized" abstract="false" name="NoncashOrPartNoncashDivestitureIntangibleAssetsDerecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_TrustPreferredSecuritiesDueOnJanuary232034Member" abstract="true" name="TrustPreferredSecuritiesDueOnJanuary232034Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbnc_TrustPreferredSecuritiesDueJanuary72035Member" abstract="true" name="TrustPreferredSecuritiesDueJanuary72035Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbnc_FinancingReceivableCollateralDependentMember" abstract="true" name="FinancingReceivableCollateralDependentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbnc_DebtSecuritiesContinuousUnrealizedLossPositionAbstract" abstract="true" name="DebtSecuritiesContinuousUnrealizedLossPositionAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbnc_DefinedBenefitPlansNumberOfPlans" abstract="false" name="DefinedBenefitPlansNumberOfPlans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbnc_OtherServiceChargesCommissionsAndFees" abstract="false" name="OtherServiceChargesCommissionsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_VisaIncMember" abstract="false" name="VisaIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbnc_ValuationTechniqueAppraisedValueMember" abstract="true" name="ValuationTechniqueAppraisedValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbnc_InitialRecognitionOfOperatingLeaseRightOfUseAssets" abstract="false" name="InitialRecognitionOfOperatingLeaseRightOfUseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_FinancingReceivableCashFlowDependentMember" abstract="true" name="FinancingReceivableCashFlowDependentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fbnc_OriginationOfPreSoldMortgageLoansInProcessOfSettlement" abstract="false" name="OriginationOfPreSoldMortgageLoansInProcessOfSettlement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_FinancingReceivableCollateralDependentLoansTableTextBlock" abstract="false" name="FinancingReceivableCollateralDependentLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbnc_NoninterestIncomeInScopeOfRevenueFromContractsWithCustomers" abstract="false" name="NoninterestIncomeInScopeOfRevenueFromContractsWithCustomers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fbnc_NumberOfSubsidiaries" abstract="false" name="NumberOfSubsidiaries" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="fbnc_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionAccumulatedLoss" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbnc_SBALoanSaleGains" abstract="false" name="SBALoanSaleGains" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
