First Bancorp Q3 net income $9.1M ($0.81 EPS), up 20% YoY; NIM expands to 2.70%

First Bancorp, Inc /ME/

2025-Q3 EPS reported $2.16

Net income $9.1M, diluted EPS $0.81, up 20.0% from Q3 2024 and 12.6% from Q2 2025.
Net interest margin 2.70%, up 38 bps YoY and 18 bps linked quarter, driven by asset yield and lower funding costs.
Non-maturity deposits grew $139.5M in Q3; total deposits $2.74B, up $32.2M. Borrowings reduced $43.2M.
Efficiency ratio improved to 50.40% (non-GAAP) from 56.37% a year ago; tangible book value $21.74 (+7.3% YoY).
Dividend maintained at $0.37 per share; non-performing assets ratio 0.30% vs 0.08% a year ago.

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