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The First Bancorp (FNLC) investor relations material
The First Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Net income for Q2 2025 was $8.1 million, up 30.7% year-over-year and 13.9% sequentially; six-month net income totaled $15.1 million, up 24.2% year-over-year.
Diluted EPS for Q2 2025 was $0.72, up 30.0% year-over-year and 13.7% sequentially; six-month diluted EPS was $1.35, up 23.6%.
Dividends declared year-to-date totaled $0.73 per share, with the quarterly dividend increased to $0.37 per share.
Net interest margin expanded to 2.52%, the highest since Q1 2023, driven by higher yields and lower liability costs.
Asset quality remained strong, with non-performing assets at 0.19% of total assets and low loan delinquencies.
Financial highlights
Net interest income for Q2 2025 was $18.4 million, up 22.1% year-over-year; for six months, it was $36.2 million, up 20.9%.
Net interest margin was 2.50% for six months and 2.52% for Q2 2025.
Efficiency ratio improved to 52.39% in Q2 and 54.63% for six months.
Total assets reached $3.20 billion, up 1.3% year-to-date and $114.6 million year-over-year.
Tangible book value per share rose to $20.94, up 9.1% year-over-year.
Outlook and guidance
Management expects to remain well capitalized and maintain strong liquidity, with capital ratios well above regulatory minimums.
Interest rate risk modeling projects net interest income would increase if rates fall and decrease modestly if rates rise, all within policy limits.
Liquidity remains robust, with available day-one liquidity covering 150% of uninsured deposits.
The capital plan projects the bank will remain well capitalized under base and stress scenarios over a five-year horizon.
Management expects continued focus on selective loan growth and disciplined pricing.
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Next The First Bancorp earnings date
Q3 202529 Oct, 2025
Next The First Bancorp earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
The First Bancorp, Inc. is a bank holding company that operates through its subsidiary, First National Bank. The company provides a broad range of banking services to individuals, businesses, and municipalities, including checking and savings accounts, mortgage and consumer loans, commercial lending, and wealth management services. It also offers online and mobile banking solutions to enhance customer accessibility and convenience. The company serves a diverse clientele across various sectors, including retail, real estate, and small to mid-sized businesses. The company is headquartered in Damariscotta, Maine, and its shares are listed on the NASDAQ.
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