---
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"
generated_at: "2026-05-17T02:53:48.762828+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-25-000050
- JSON: https://secwatch.observer/filing/0000765207-25-000050.json
- Plain text: https://secwatch.observer/filing/0000765207-25-000050.txt

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