---
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"
generated_at: "2026-06-23T02:48:07.056640+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q3 net income $10.1M (+11.9% YoY); new quarterly record

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-22-000039
- JSON: https://secwatch.observer/filing/0000765207-22-000039.json
- Plain text: https://secwatch.observer/filing/0000765207-22-000039.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.