{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-26-000005","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.665548+00:00","generated_at":"2026-05-16T09:25:00.074207+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FNLC Q4 net income $10.2M ($0.91 EPS), up 39.7% YoY; FY 2025 net income $34.4M, up 27.2%","bullets":["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%"],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-26-000005","json":"https://secwatch.observer/filing/0000765207-26-000005.json","markdown":"https://secwatch.observer/filing/0000765207-26-000005.md","text":"https://secwatch.observer/filing/0000765207-26-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000005/0000765207-26-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000005/fnlc-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:25:00.074207+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"}