{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-23-000015","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2023-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.191112+00:00","generated_at":"2026-06-17T00:03:09.478500+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Bancorp Q1 net income $8.0M ($0.72 EPS) down 18% YoY; loans up $68M","bullets":["Net income $8.0M ($0.72 diluted EPS) vs $9.7M ($0.88) in Q1 2022; margin pressure and lower fee income cited.","Net interest margin fell to 2.78% from 3.24% YoY as cost of funds rose; PTPP income down 16.5%.","Loans grew $68.2M to $1.98B (14.4% annualized); deposits up $87.8M to $2.47B.","Adopted CECL; allowance for credit losses increased to 1.18% of loans from 0.87% at Dec 2022.","Quarterly dividend $0.34/share declared; non-performing assets remain at 0.06% of total assets."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-23-000015","json":"https://secwatch.observer/filing/0000765207-23-000015.json","markdown":"https://secwatch.observer/filing/0000765207-23-000015.md","text":"https://secwatch.observer/filing/0000765207-23-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520723000015/0000765207-23-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520723000015/fnlc-20230419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T00:03:09.478500+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":[{"claim_id":"4b998f1767120c77fe2ce87d95bcc4b85c15595a","claim":"First Bancorp, Inc /ME/ reported the three months ended March 31, 2023 results: net income $8.0 million, EPS $0.72 per diluted share.","evidence_excerpt":"Unaudited net income for the period was $8.0 million representing diluted earnings per share of $0.72","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/765207/000076520723000015/0000765207-23-000015-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$8.0 million"},{"label":"EPS","value":"$0.72 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}