{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-23-000038","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.621592+00:00","generated_at":"2026-06-13T06:42:19.969879+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 Q2 net income falls to $7.4M ($0.67 EPS) on margin compression","bullets":["Net income $7.4M, down 7.2% from Q1 2023 and 26% from Q2 2022; diluted EPS $0.67 vs $0.91 a year ago.","Net interest margin 2.46%, down from 3.13% YoY and 2.78% in Q1; net interest income $15.9M (-8.8% QoQ).","Loans grew $78.1M in Q2 to $2.06B (annualized 15.4%); deposits up $33.2M to $2.50B.","Dividend raised to $0.35/share from $0.34, payable July 20, 2023; payout ratio 52.2%.","Non-performing assets to total assets stable at 0.06%; ACL 1.14% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-23-000038","json":"https://secwatch.observer/filing/0000765207-23-000038.json","markdown":"https://secwatch.observer/filing/0000765207-23-000038.md","text":"https://secwatch.observer/filing/0000765207-23-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520723000038/0000765207-23-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520723000038/fnlc-20230719.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:42:19.969879+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":"9863c2c32945dae8c745a00efb26131c779858ba","claim":"First Bancorp, Inc /ME/ reported three months ended June 30, 2023 results: net income $7.4 million, EPS $0.67.","evidence_excerpt":"Unaudited net income for the period was $7.4 million representing diluted earnings per share of $0.67.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/765207/000076520723000038/0000765207-23-000038-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended June 30, 2023"},{"label":"Net income","value":"$7.4 million"},{"label":"EPS","value":"$0.67"},{"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"}