---
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"
generated_at: "2026-05-16T09:25:00.074207+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-26-000005
- JSON: https://secwatch.observer/filing/0000765207-26-000005.json
- Plain text: https://secwatch.observer/filing/0000765207-26-000005.txt

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