{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-24-000016","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2024-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.933888+00:00","generated_at":"2026-06-03T21:57:47.274866+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Bancorp Q1 net income $6.0M ($0.54 diluted), down from $0.72 YoY; loan growth 8.4% annualized","bullets":["Net income $6.0M, diluted EPS $0.54 vs $0.72 in Q1 2023 and $0.60 in Q4 2023.","Net interest margin 2.22% vs 2.34% last quarter and 2.78% YoY; net interest income down 6.1% sequentially.","Loans grew $44.3M (8.4% annualized) to $2.17B; deposits declined $50.7M seasonally to $2.55B.","Asset quality remains strong: NPA/total assets 0.09%, past due 0.09%, ACL 1.11%.","Quarterly dividend declared $0.35/share, payable April 19 to holders of record April 9."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-24-000016","json":"https://secwatch.observer/filing/0000765207-24-000016.json","markdown":"https://secwatch.observer/filing/0000765207-24-000016.md","text":"https://secwatch.observer/filing/0000765207-24-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000016/0000765207-24-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000016/fnlc-20240417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T21:57:47.274866+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":"95f3dd6b05d63d2435d8edfc1bf434e03067dc4e","claim":"First Bancorp, Inc /ME/ reported the three months ended March 31, 2024 results: net income $6.0 million, EPS $0.54.","evidence_excerpt":"The First Bancorp (Nasdaq: FNLC), parent company of First National Bank, today announced operating results for the three months ended March 31, 2024. Unaudited net income for the period was $6.0 million as compared to net income of $8.0 million for the quarter ended March 31, 2023, and net income of $6.7 million for the prior quarter ended December 31, 2023. Diluted earnings per share were $0.54, $0.72 and $0.60 for those same periods, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/765207/000076520724000016/0000765207-24-000016-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$6.0 million"},{"label":"EPS","value":"$0.54"},{"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"}