FNLC Q4 net income $10.2M ($0.91 EPS), up 39.7% YoY; FY 2025 net income $34.4M, up 27.2%

First Bancorp, Inc /ME/

2025-FY EPS reported $3.07

Q4 net interest margin 2.83%, up 41 bps YoY; net interest income grew 20.3% YoY to $21.1M
FY 2025 diluted EPS $3.07 vs $2.43 in 2024 (+26.4%); ROAA 1.08%, ROATCE 14.50%
Total loans increased $53.2M (+2.3%) YoY; core deposits grew $77M; tangible book value $22.49, up 13.2% YoY
Non-performing loans to total loans 0.54% vs 0.18% a year ago; allowance for credit losses steady at 1.06%
Quarterly dividend $0.37 per share, paid Jan 16, 2026; payout ratio 40.39%

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