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FNLC

First Bancorp, Inc

First Bancorp, Inc is classed by the SEC under National Commercial Banks (industry code 6021), based in Damariscotta, ME. Its latest filed balance sheet (2025-12-31) shows total assets of $3.2 billion (its filed statements).

Lending business National Commercial Banks Damariscotta, ME filings since 1995 9 of 9 filed
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Sector peers: CBNKFDBCNEWTMRBK

4.8/10headline grade
vs its business-model standard
4.7/10past 5.0/10present 4.5/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 4.8 out of ten, 9 of 9 metrics filed: past 4.7 out of ten, present 5.0 out of ten, future 4.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 3.4 out of ten. 1 warning event since 2017; the latest 2025-11-19. 34th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 5.5 out of ten. +12.9% a year over 10 filed years; profitable in 10 of 10. 55th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 6.0 out of ten. Share count grew 0.5% a year. 48% of cash flow returned. Insiders: 1 sales, 2 purchases. 60th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 5.1 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 51st percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 3.9 out of ten. bottom 39% of 79 in its family; net margin 21.5%. 39th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 6.3 out of ten. top 38% of 74 in its family for leadership; chief executive since 2017. 62nd percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 2.8 out of ten. bottom 28% of 71 in its family for room to expand. 28th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 7.2 out of ten. top 28% of 79 in its family for growth drivers. 72nd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 3.3 out of ten. bottom 33% of 76 in its family for expectations against reality. 33rd percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form 8-K, 2026-09-24. Filings on record since 1995. Read from EDGAR 2026-10-12.

Who runs it

Mckim, Tony C (President & CEO); Elder, Richard M (EVP, CFO); Ward, F Stephen (Treasurer, EVP - CFO); Tolman, Sarah (EVP, Chief Banking Officer); Plummer, Tammy L (EVP, Chief Information Officer); Austin, Christopher Jay (EVP, Chief Legal Counsel); Benner, Marcia Lynn (EVP, Chief Admin Officer); Brown, Jody Lynn (EVP, Chief Risk Officer); Martin, Brad A (EVP, Chief Information Officer); Nicholson, Jonathan W (EVP, Chief Lending Officer); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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