Here are the 10-K annual reports from First Bancorp, Inc. (ME) (FNLC) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow FNLC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FNLC filings page.
The First Bancorp, Inc. provides an overview of its community banking and wealth management business centered in Mid‑Coast and Eastern Maine, where it operates First National Bank and related investment services. The company focuses on traditional lending, deposit products, and trust and investment management for individuals, businesses, and municipalities.
As of December 31, 2025, it had 11,222,363 common shares outstanding and 283 employees, and reported strong regulatory capital with a consolidated Total Capital Ratio of 14.02%, CET1 and Tier 1 Capital Ratios of 12.84%, and a Leverage Capital Ratio of 8.84%, leaving it well above minimums and considered well capitalized. Management highlights credit, interest‑rate, liquidity, operational, cybersecurity, regulatory and climate‑related risks, particularly tied to its commercial and commercial real estate loan concentrations and its geographic focus in Maine.