secwatch.observer — SEC 8-K summary
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Issuer:     First Bancorp, Inc /ME/ (FNLC)
CIK:        0000765207
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0000765207-26-000074
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/765207/000076520726000074/0000765207-26-000074-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/765207/000076520726000074/fnlc-20260422.htm
  HTML page:      https://secwatch.observer/filing/0000765207-26-000074

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