First Bancorp, Inc /ME/

For the period ended Sep 30, 2026. Filed Nov 5, 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.

Sep 30, 2026 · Filed Nov 5, 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 nine months ended September 30,		As of and for the quarter ended September 30,
except for per share amounts	2026	2025	2026	2025
Summary of Operations
Interest Income	$120,453	$119,539	$41,475	$41,005
Interest Expense	56,101	63,273	18,974	20,947
Net Interest Income	64,352	56,266	22,501	20,058
Credit Loss Expense	2,534	1,578	979	700
Non-Interest Income	14,090	12,606	4,978	4,475
Non-Interest Expense	40,542	37,797	13,549	12,754
Net Income	29,224	24,222	10,671	9,082
Per Common Share Data
Basic Earnings per Share	$2.63	$2.19	$0.96	$0.82
Diluted Earnings per Share	2.59	2.16	0.95	0.81
Cash Dividends Declared	1.13	1.10	0.38	0.37
Book Value per Common Share	25.53	24.48	25.53	24.48
Tangible Book Value per Common Share2	22.81	21.74	22.81	21.74
Market Value	33.34	26.26	33.34	26.26
Financial Ratios
Return on Average Equity1	13.38%	12.28%	14.33%	13.33%
Return on Average Tangible Common Equity1,2	14.95%	13.91%	15.99%	15.04%
Return on Average Assets1	1.22%	1.02%	1.31%	1.13%
Average Equity to Average Assets	9.13%	8.28%	9.14%	8.45%
Average Tangible Equity to Average Assets2	8.17%	7.31%	8.19%	7.49%
Net Interest Margin Tax-Equivalent1,2	2.91%	2.57%	2.99%	2.70%
Dividend Payout Ratio	43.00%	50.34%	39.62%	45.18%
Allowance for Credit Losses/Total Loans	0.98%	1.05%	0.98%	1.05%
Non-Performing Loans to Total Loans	0.58%	0.40%	0.58%	0.40%
Non-Performing Assets to Total Assets	0.44%	0.30%	0.44%	0.30%
Efficiency Ratio2	50.23%	53.12%	47.94%	50.40%
At Period End
Total Assets	$3,251,783	$3,198,478	$3,251,783	$3,198,478
Total Loans	2,441,559	2,398,510	2,441,559	2,398,510
Total Investment Securities	643,085	642,961	643,085	642,961
Total Deposits	2,786,672	2,737,550	2,786,672	2,737,550
Total Shareholders' Equity	288,149	274,566	288,149	274,566

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.