First Bancorp, Inc /ME/

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

FNLC$36.41-0.5%Stored close · as of Nov 6, 2026

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Contents

Selected Financial Data (Unaudited)

Dollars in thousands,	As of and for the nine months ended September 30,		As of and for the quarter ended September 30,
except for per share amounts	2025	2024	2025	2024
Summary of Operations
Interest Income	$119,539	$109,833	$41,005	$38,287
Interest Expense	63,273	63,476	20,947	21,885
Net Interest Income	56,266	46,357	20,058	16,402
Credit Loss Expense (Reduction)	1,578	(639)	700	(638)
Non-Interest Income	12,606	11,919	4,475	4,122
Non-Interest Expense	37,797	35,011	12,754	12,000
Net Income	24,222	19,763	9,082	7,571
Per Common Share Data
Basic Earnings per Share	$2.19	$1.79	$0.82	$0.69
Diluted Earnings per Share	2.16	1.78	0.81	0.68
Cash Dividends Declared	1.10	1.07	0.37	0.36
Book Value per Common Share	24.48	23.03	24.48	23.03
Tangible Book Value per Common Share2	21.74	20.27	21.74	20.27
Market Value	26.26	26.32	26.26	26.32
Financial Ratios
Return on Average Equity1	12.28%	10.67%	13.33%	11.86%
Return on Average Tangible Common Equity1,2	13.91%	12.19%	15.04%	13.50%
Return on Average Assets1	1.02%	0.87%	1.13%	0.98%
Average Equity to Average Assets	8.28%	8.20%	8.45%	8.24%
Average Tangible Equity to Average Assets2	7.31%	7.18%	7.49%	7.24%
Net Interest Margin Tax-Equivalent1,2	2.57%	2.25%	2.70%	2.32%
Dividend Payout Ratio	50.34%	59.81%	45.18%	52.55%
Allowance for Credit Losses/Total Loans	1.05%	1.04%	1.05%	1.04%
Non-Performing Loans to Total Loans	0.40%	0.11%	0.40%	0.11%
Non-Performing Assets to Total Assets	0.30%	0.08%	0.30%	0.08%
Efficiency Ratio2	53.12%	57.88%	50.40%	56.37%
At Period End
Total Assets	$3,198,478	$3,142,563	$3,198,478	$3,142,563
Total Loans	2,398,510	2,307,253	2,398,510	2,307,253
Total Investment Securities	642,961	669,076	642,961	669,076
Total Deposits	2,737,550	2,702,718	2,737,550	2,702,718
Total Shareholders' Equity	274,566	256,783	274,566	256,783

1 Annualized using a 365-day basis in 2025 and a 366-day basis in 2024.

2 These ratios use non-GAAP financial measures. See Management's Discussion and Analysis of Financial Condition and Results of Operations for additional disclosures and information.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.