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The First Bancorp (FNLC) investor relations material
The First Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income for the nine months ended September 30, 2025 was $24.2 million, up 22.6% year-over-year; Q3 2025 net income was $9.1 million, up 20.0% year-over-year and 12.6% sequentially; diluted EPS was $2.16 for nine months and $0.81 for Q3, both up over 19% year-over-year.
Net interest margin expanded to 2.70% in Q3 2025, a 38 basis point increase year-over-year and 18 basis points sequentially.
Dividends declared year-to-date totaled $1.10 per share, with a Q3 dividend of $0.37 per share; payout ratios were 50.3% year-to-date and 45.18% for Q3.
Efficiency ratio improved to 50.40% in Q3 2025, down from 56.37% a year ago; year-to-date efficiency ratio was 53.12%.
Tangible book value per share rose to $21.74, up 7.3% year-over-year.
Financial highlights
Net interest income for the nine months was $56.3 million, up 21.4% year-over-year; Q3 net interest income was $20.1 million, up 22.3% year-over-year and 9.0% sequentially.
Non-interest income rose 5.8% to $12.6 million for nine months; Q3 non-interest income was $4.5 million, up 8.6% year-over-year, driven by wealth management and debit card income.
Non-interest expense increased 8.0% to $37.8 million for nine months; Q3 non-interest expense was $12.8 million, up 6.3% year-over-year.
Provision for credit losses on loans was $1.4 million for nine months; net charge-offs were $1.2 million (0.069% of average loans).
Total assets grew 1.3% year-to-date to $3.20 billion; total loans increased 2.5% to $2.40 billion; total deposits rose 0.5% to $2.74 billion.
Outlook and guidance
Management expects to remain well capitalized and maintain strong asset quality, 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, with all scenarios within policy limits.
Focus remains on deposit growth and margin expansion.
Future NIM drivers beyond deposit repricing?
Outlook on rising non-performing loans?
Strategy for commercial loan portfolio decline?
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Next The First Bancorp earnings date
Q4 202521 Jan, 2026
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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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