The First Bancorp (FNLC) reported FY 2025 net income of USD 34.39 million, with return on average assets of 1.08% and return on average tangible common equity of 14.50%. Net interest income rose 21.1% in FY 2025 to USD 77.38 million, while non-interest income increased 6.0% to USD 17.34 million; net interest margin (tax equivalent) was 2.63% in FY 2025. For Q4 2025, net income was USD 10.17 million (+39.7%) and diluted EPS was USD 0.91 (+38.9%). Q4 2025 net interest income was USD 21.11 million and total non-interest income was USD 4.73 million. FNLC ended 2025 with total assets of USD 3.17 billion. Total loans were USD 2.39 billion, up USD 53.20 million (2.3%) for FY 2025, while total deposits were USD 2.66 billion, down 2.2% in FY 2025 amid a planned replacement of higher-cost wholesale time deposits with locally sourced non-maturity deposits. Core non-maturity deposits increased USD 77.00 million in FY 2025, including a USD 21.50 million increase in Q4. Borrowed funds were USD 187.82 million, up USD 41.50 million year-over-year, primarily reflecting Federal Home Loan Bank term advances. On capital and liquidity, FNLC reported a total risk-based capital ratio of 14.02% and a leverage capital ratio of 8.84% at December 31, 2025, with tangible book value per share of USD 22.49. Uninsured deposits were 19.4% of total deposits, with 74% of uninsured deposits fully collateralized; available day-one liquidity exceeded USD 700.00 million. The board declared a Q4 dividend of USD 0.37 per share (40.39% payout of Q4 EPS), paid January 16, 2026.

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