)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
The First Bancorp
The First Bancorp (FNLC) investor relations material
The First Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary22 Jul, 2026
Executive summary
Net income for the six months ended June 30, 2026 was $18.6 million, up 22.5% year-over-year; diluted EPS rose 22.0% to $1.65 per share. Dividends declared totaled $0.75 per share, a 44.9% payout ratio. PTPP earnings increased 24.2% year-over-year.
For Q2 2026, net income was $9.6 million, up 18.7% year-over-year; diluted EPS was $0.85, up 17.8%.
Earnings growth was driven by net interest margin expansion, higher non-interest income, and disciplined expense control.
Return on Average Assets improved to 1.20% and Return on Average Tangible Common Equity to 14.67% for Q2 2026.
Financial highlights
Total assets reached $3.22 billion at June 30, 2026, up $49.8 million year-to-date.
Net interest income (tax-equivalent) rose 14.8% for the six months, with net interest margin improving to 2.87% from 2.50% year-over-year.
Net interest income for Q2 2026 was $21.2 million, up 15.0% year-over-year; net interest margin expanded to 2.88%.
Non-interest income rose 12.9% to $4.7 million in Q2, led by wealth management and debit card revenue.
Efficiency ratio improved to 50.33% from 52.39% in Q2 2025.
Outlook and guidance
Management expects continued satisfactory asset quality and stable net interest margin, with ongoing focus on capital strength and liquidity.
Management expects continued strong local deposit inflow through year-end, supporting margin expansion.
Interest rate risk modeling projects net interest income would increase 3.0% if rates fall by 2%, and decrease 2.0% if rates rise by 2% over the next year.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from The First Bancorp
- Higher funding costs cut FY2023 earnings, while loan and deposit growth bolstered the balance sheet.FNLC
Q4 2023 - Q1 2026 net income up 27.1% year-over-year, with improved margins and strong capital position.FNLCQ1 2026
- Net income rose 27%, dividends increased, and all proposals passed amid ongoing strategic progress.FNLCAGM 2026
- Net income surged 27.2% to $34.4 million in 2025, with improved margins and strong capital ratios.FNLCQ4 2025
- 2025 saw record earnings, strong governance, and board-backed proposals for shareholder approval.FNLCProxy Filing
- 2024 saw lower earnings but continued asset growth, strong governance, and robust risk oversight.FNLCProxy Filing
- Net income up 22.6% year-over-year, margin expands to 2.70%, and efficiency ratio improves.FNLCQ3 2025
- Net income surged 30.7% year-over-year, with margin expansion and strong asset quality.FNLCQ2 2025
- Q3 net income surged 22.7% as loan growth and asset quality remained strong.FNLCQ3 2024
Next The First Bancorp earnings date
Q3 202611 Nov, 2026
The First Bancorp
Next The First Bancorp earnings date
Q3 202611 Nov, 2026
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.