---
schema_version: "secwatch.filing_event.v1"
accession: "0000765207-26-000098"
form_type: "8-K"
ticker: "FNLC"
cik: "0000765207"
company_name: "First Bancorp, Inc /ME/"
filed_at: "2026-07-22T20:17:04+00:00"
generated_at: "2026-07-22T20:18:19.006218+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q2 net income up 18.6% to $9.6M; EPS $0.85, NIM expands to 2.88%

## Summary
- Net income $9.6M, diluted EPS $0.85, up 18.6% and 17.8% YoY respectively.
- Net interest margin expanded to 2.88%, up 36 bps from 2.52% in Q2 2025.
- Loan growth of $18.6M in Q2; total assets $3.22B.
- Efficiency ratio improved to 50.33% from 52.39% a year ago.
- Quarterly dividend increased to $0.38 per share from $0.37.

## SEC filing metadata
- accession: 0000765207-26-000098
- form_type: 8-K
- ticker: FNLC
- cik: 0000765207
- company_name: First Bancorp, Inc /ME/
- filed_at: 2026-07-22T20:17:04+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/765207/000076520726000098/0000765207-26-000098-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/765207/000076520726000098/fnlc-20260722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-26-000098
- JSON: https://secwatch.observer/filing/0000765207-26-000098.json
- Plain text: https://secwatch.observer/filing/0000765207-26-000098.txt

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