{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-26-000074","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.710933+00:00","generated_at":"2026-05-15T04:58:45.590258+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Bancorp Q1 net income $9.0M, EPS $0.80 (+26% YoY); NIM expands to 2.86%","bullets":["Net income $9.0M vs $7.1M YoY (+27%); diluted EPS $0.80 vs $0.63 (+26%).","Net interest margin improved to 2.86%, up 38 bps from Q1 2025.","Efficiency ratio (non-GAAP) improved to 52.64% from 56.93% YoY.","Loan growth $11M; total assets $3.20B, up $34.5M in quarter.","Quarterly dividend maintained at $0.37/share; NPL ratio rose to 0.67% from 0.54%."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-26-000074","json":"https://secwatch.observer/filing/0000765207-26-000074.json","markdown":"https://secwatch.observer/filing/0000765207-26-000074.md","text":"https://secwatch.observer/filing/0000765207-26-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000074/0000765207-26-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000074/fnlc-20260422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:58:45.590258+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":[{"claim_id":"076b869cbed95de3d4093896c02ecce77428c505","claim":"First Bancorp, Inc /ME/ reported the quarter ended March 31, 2026 results: net income $9.0 million, EPS $0.80.","evidence_excerpt":"Net income for the period was $9.0 million with fully diluted earnings per share of $0.80","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000074/0000765207-26-000074-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$9.0 million"},{"label":"EPS","value":"$0.80"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}