secwatch.observer — SEC 8-K summary
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Issuer:     First Bancorp, Inc /ME/ (FNLC)
CIK:        0000765207
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0000765207-26-000005
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/765207/000076520726000005/0000765207-26-000005-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/765207/000076520726000005/fnlc-20260121.htm
  HTML page:      https://secwatch.observer/filing/0000765207-26-000005

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer