---
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"
generated_at: "2026-10-21T20:18:29.060978+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Bancorp Q3 net income $10.7M, EPS $0.95 set records; NIM expands to 2.99%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/765207/000076520726000112/0000765207-26-000112-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/765207/000076520726000112/fnlc-20261021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000765207-26-000112
- JSON: https://secwatch.observer/filing/0000765207-26-000112.json
- Plain text: https://secwatch.observer/filing/0000765207-26-000112.txt

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