{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-22-000039","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2022-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.527430+00:00","generated_at":"2026-06-23T02:48:07.056640+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Bancorp Q3 net income $10.1M (+11.9% YoY); new quarterly record","bullets":["Diluted EPS $0.91, up 11.0% from $0.82 YoY; net interest margin 3.14% vs 2.96%.","Loans grew $69.6M in-quarter to $1.86B; low-cost deposits up 4.0% to $1.40B.","Non-performing assets ratio 0.07% vs 0.18% prior quarter; provision for loan losses $400K.","Quarterly dividend $0.34/share, payable Oct 21 to record Oct 5 (37% payout ratio).","Completed $5.2M residential loan sale; one-time charges of $681K impacted efficiency ratio."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-22-000039","json":"https://secwatch.observer/filing/0000765207-22-000039.json","markdown":"https://secwatch.observer/filing/0000765207-22-000039.md","text":"https://secwatch.observer/filing/0000765207-22-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520722000039/0000765207-22-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520722000039/fnlc-20221019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:48:07.056640+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}