{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-25-000050","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.115384+00:00","generated_at":"2026-05-17T02:53:48.762828+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Bancorp Q3 net income $9.1M ($0.81 EPS), up 20% YoY; NIM expands to 2.70%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-25-000050","json":"https://secwatch.observer/filing/0000765207-25-000050.json","markdown":"https://secwatch.observer/filing/0000765207-25-000050.md","text":"https://secwatch.observer/filing/0000765207-25-000050.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520725000050/0000765207-25-000050-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520725000050/fnlc-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:53:48.762828+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"}