---
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"
generated_at: "2026-05-15T04:58:45.590258+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q1 net income $9.0M, EPS $0.80 (+26% YoY); NIM expands to 2.86%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-26-000074
- JSON: https://secwatch.observer/filing/0000765207-26-000074.json
- Plain text: https://secwatch.observer/filing/0000765207-26-000074.txt

## Key facts
- Earnings Releases
  First Bancorp, Inc /ME/ reported the quarter ended March 31, 2026 results: net income $9.0 million, EPS $0.80.
  - Period: the quarter ended March 31, 2026
  - Net income: $9.0 million
  - EPS: $0.80
  - Result: reported results
  source text: Net income for the period was $9.0 million with fully diluted earnings per share of $0.80
  evidence_url: https://www.sec.gov/Archives/edgar/data/765207/000076520726000074/0000765207-26-000074-index.htm

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