---
schema_version: "secwatch.filing_event.v1"
accession: "0000765207-23-000046"
form_type: "8-K"
ticker: "FNLC"
cik: "0000765207"
company_name: "First Bancorp, Inc /ME/"
filed_at: "2023-10-18T23:59:59+00:00"
generated_at: "2026-06-09T22:13:20.784776+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q3 net income $7.5M, EPS $0.67 flat QoQ; deposits up $100M

## Summary
- Net income $7.5M, +1.1% QoQ; diluted EPS $0.67 unchanged from prior quarter.
- Net interest margin 2.40% vs 2.46% QoQ; net interest income $16.0M, +0.2%.
- Loans +$18.9M to $2.08B; deposits +$100.1M to $2.60B, driven by low-cost categories.
- Asset quality strong: NPA/assets 0.09%, NPL/loans 0.12%, past due loans 0.10%.
- Q3 dividend $0.35/share declared, payable Oct 20 to holders of record Oct 10.

## SEC filing metadata
- accession: 0000765207-23-000046
- form_type: 8-K
- ticker: FNLC
- cik: 0000765207
- company_name: First Bancorp, Inc /ME/
- filed_at: 2023-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/765207/000076520723000046/0000765207-23-000046-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/765207/000076520723000046/fnlc-20231018.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-23-000046
- JSON: https://secwatch.observer/filing/0000765207-23-000046.json
- Plain text: https://secwatch.observer/filing/0000765207-23-000046.txt

## Key facts
- Earnings Releases
  First Bancorp, Inc /ME/ reported the quarter ended September 30, 2023 results: net income $7.5 million, EPS $0.67.
  - Period: the quarter ended September 30, 2023
  - Net income: $7.5 million
  - EPS: $0.67
  - Result: reported results
  source text: Unaudited net income for the period was $7.5 million representing an increase of 1.1% from the second quarter of 2023. Diluted earnings per share were $0.67, level with the prior quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/765207/000076520723000046/0000765207-23-000046-index.htm

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