---
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"
generated_at: "2026-05-27T21:29:13.811906+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q4 net income $7.3M, EPS $0.65; FY EPS $2.43; NIM improves to 2.42%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/765207/000076520725000008/0000765207-25-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/765207/000076520725000008/fnlc-20250122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-25-000008
- JSON: https://secwatch.observer/filing/0000765207-25-000008.json
- Plain text: https://secwatch.observer/filing/0000765207-25-000008.txt

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