{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-25-000008","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.309567+00:00","generated_at":"2026-05-27T21:29:13.811906+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Bancorp Q4 net income $7.3M, EPS $0.65; FY EPS $2.43; NIM improves to 2.42%","bullets":["Q4 net income $7.3M, up 9% YoY; diluted EPS $0.65 vs $0.60; FY net income $27.0M, down 8% from $29.5M.","Net interest margin improved 10 bps to 2.42% from Q3; NII $17.55M, up 7% linked quarter.","Total loans grew $211.5M (9.9%) for the year; core deposits up $81M; NPL ratio 0.18% vs 0.10% last year.","Q4 dividend $0.36 per share declared, paid Jan 16, 2025; up from $0.35 in Q4 2023.","Efficiency ratio improved to 53.39% in Q4 from 56.37% in Q3; PTPP ROA 1.09% for 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-25-000008","json":"https://secwatch.observer/filing/0000765207-25-000008.json","markdown":"https://secwatch.observer/filing/0000765207-25-000008.md","text":"https://secwatch.observer/filing/0000765207-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520725000008/0000765207-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520725000008/fnlc-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:29:13.811906+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}