{"schema_version":"secwatch.filing_event.v1","accession":"0000765207-26-000112","form_type":"8-K","ticker":"FNLC","cik":"0000765207","company_name":"First Bancorp, Inc /ME/","filed_at":"2026-10-21T20:17:21+00:00","discovered_at":"2026-10-21T20:18:16.396912+00:00","generated_at":"2026-10-21T20:18:29.060978+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 Q3 net income $10.7M, EPS $0.95 set records; NIM expands to 2.99%","bullets":["Net income $10.7M (+17.5% YoY) and diluted EPS $0.95 (+16.8% YoY) were quarterly records; both up 11.6% from Q2 2026.","Net interest income $22.5M, up 12.2% YoY; NIM 2.99%, up 29 bps YoY and 11 bps linked-quarter, the ninth consecutive quarter of expansion.","Total deposits rose $106.9M to $2.79B on $139.7M non-maturity growth; time deposits cut $32.8M and FHLB borrowings reduced $69.2M.","Non-performing assets fell to 0.44% of assets from 0.54% at June 30; net charge-offs $1.6M, $845K provision, ACL 0.98% of loans.","Efficiency ratio improved to 47.94% from 50.40%; tangible book value $22.81 (+4.9% YoY); Q3 dividend of $0.38 paid Oct 16, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000765207-26-000112","json":"https://secwatch.observer/filing/0000765207-26-000112.json","markdown":"https://secwatch.observer/filing/0000765207-26-000112.md","text":"https://secwatch.observer/filing/0000765207-26-000112.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000112/0000765207-26-000112-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/765207/000076520726000112/fnlc-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T20:18:29.060978+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}