First Bancorp, Inc /ME/

For the period ended Jun 30, 2026. Filed Aug 7, 2026.

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.

Jun 30, 2026 · Filed Aug 7, 2026

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 six months ended June 30,		As of and for the quarter ended June 30,
except for per share amounts	2026	2025	2026	2025
Summary of Operations
Interest Income	$78,978	$78,534	$39,839	$39,825
Interest Expense	37,127	42,326	18,677	21,416
Net Interest Income	41,851	36,208	21,162	18,409
Credit Loss Expense	1,555	878	935	486
Non-Interest Income	9,112	8,131	4,661	4,129
Non-Interest Expense	26,993	25,043	13,377	12,199
Net Income	18,553	15,140	9,560	8,063
Per Common Share Data
Basic Earnings per Share	$1.67	$1.37	$0.86	$0.73
Diluted Earnings per Share	1.65	1.35	0.85	0.72
Cash Dividends Declared	0.75	0.73	0.38	0.37
Book Value per Common Share	25.97	23.69	25.97	23.69
Tangible Book Value per Common Share2	23.25	20.94	23.25	20.94
Market Value	34.82	25.41	34.82	25.41
Financial Ratios
Return on Average Equity1	12.89%	11.73%	13.13%	12.31%
Return on Average Tangible Common Equity1,2	14.41%	13.31%	14.67%	13.95%
Return on Average Assets1	1.18%	0.96%	1.20%	1.01%
Average Equity to Average Assets	9.13%	8.19%	9.16%	8.23%
Average Tangible Equity to Average Assets2	8.16%	7.22%	8.19%	7.27%
Net Interest Margin Tax-Equivalent1,2	2.87%	2.50%	2.88%	2.52%
Dividend Payout Ratio	44.94%	53.40%	44.19%	50.89%
Allowance for Credit Losses/Total Loans	1.01%	1.04%	1.01%	1.04%
Non-Performing Loans to Total Loans	0.71%	0.25%	0.71%	0.25%
Non-Performing Assets to Total Assets	0.54%	0.19%	0.54%	0.19%
Efficiency Ratio2	51.47%	54.63%	50.33%	52.39%
At Period End
Total Assets	$3,216,097	$3,199,510	$3,216,097	$3,199,510
Total Loans	2,423,711	2,394,007	2,423,711	2,394,007
Total Investment Securities	636,760	653,855	636,760	653,855
Total Deposits	2,679,778	2,705,337	2,679,778	2,705,337
Total Shareholders' Equity	292,960	265,492	292,960	265,492

1 Annualized using a 365-day basis in both 2026 and 2025.

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.