{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-24-000004","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2024-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.884826+00:00","generated_at":"2026-06-06T19:37:15.679219+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 FY 2023 net income down 24.3%; EPS $2.66 vs $3.53 prior year","bullets":["Net income $29.5M, down 24.3% YoY; diluted EPS $2.66, down 24.6%.","Total loans grew 11.2% to $2.13B; deposits up 9.3% to $2.60B.","Net interest margin narrowed to 2.49% from 3.15%; efficiency ratio worsened to 52.43%.","Non-performing assets remain low at 0.07%; net charge-offs 0.01%.","Quarterly dividend $0.35 per share, paid Jan 19, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-24-000004","json":"https://secwatch.observer/filing/0000765207-24-000004.json","markdown":"https://secwatch.observer/filing/0000765207-24-000004.md","text":"https://secwatch.observer/filing/0000765207-24-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000004/0000765207-24-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000004/fnlc-20240124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T19:37:15.679219+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":"6c09e59cea5685d40c7adef0bdf048436627c436","claim":"First Bancorp, Inc /ME/ reported three months ended December 31, 2023 results: net income $6.7 million, EPS $0.60.","evidence_excerpt":"Unaudited net income was $6.7 million, a decrease of 27.4% from the final three months of 2022. Earnings per share on a fully diluted basis for the fourth quarter of 2023 were $0.60","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000004/0000765207-24-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2023"},{"label":"Net income","value":"$6.7 million"},{"label":"EPS","value":"$0.60"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"dac37728e2148755c8d77acba2ef91fe4ba47761","claim":"First Bancorp, Inc /ME/ reported year ended December 31, 2023 results: net income $29.5 million, EPS $2.66 per share.","evidence_excerpt":"Unaudited net income was $29.5 million, a decrease of 24.3% from the $39.0 million reported for the year ended December 31, 2022. Earnings per common share on a fully diluted basis were down $0.87 to $2.66 per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000004/0000765207-24-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Net income","value":"$29.5 million"},{"label":"EPS","value":"$2.66 per 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"}