---
schema_version: "secwatch.filing_event.v1"
accession: "0000765207-24-000047"
form_type: "8-K"
ticker: "FNLC"
cik: "0000765207"
company_name: "First Bancorp, Inc /ME/"
filed_at: "2024-10-23T23:59:59+00:00"
generated_at: "2026-05-30T11:17:28.902708+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q3 net income $7.6M, EPS $0.68; NIM expands 11bp to 2.32%

## Summary
- Net income $7.6M ($0.68 diluted EPS) up 22.7% from Q2; PTPP earnings $8.5M.
- Net interest income $16.4M (best in six quarters); NIM up 11bp to 2.32% as asset yields rose.
- Loans grew at annualized 10.6% to $2.31B; total assets $3.14B, up $57.6M in Q3.
- NPAs/total assets 0.08%; ACL/loans 1.04%; net charge-offs annualized 0.005%. Tangible book value per share $20.27.

## SEC filing metadata
- accession: 0000765207-24-000047
- form_type: 8-K
- ticker: FNLC
- cik: 0000765207
- company_name: First Bancorp, Inc /ME/
- filed_at: 2024-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/765207/000076520724000047/0000765207-24-000047-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/765207/000076520724000047/fnlc-20241023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-24-000047
- JSON: https://secwatch.observer/filing/0000765207-24-000047.json
- Plain text: https://secwatch.observer/filing/0000765207-24-000047.txt

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