FNLCNasdaqNational Commercial BanksUS GAAP · USD

First Bancorp, Inc /ME/

First Bancorp, Inc. is the Maine-based holding company for First National Bank, a community bank serving coastal and eastern Maine. Through its banking franchise and wealth-management division, it provides traditional lending and deposit services alongside private banking, trust, investment management, brokerage and insurance-related products.

Kysy yhtiöstä
Nettotulos34,4milj. USD
+27,2 %v/v
Vapaa kassavirta34,6milj. USD
+40,8 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

01milj. USD202020212022202320242025
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: First Bancorp, Inc /ME/

Liiketoiminta

Osuus liikevaihdosta
Net interest income banking75 %

Loans, securities and deposit-funded banking activities that generate spread income.

Deposit and service fees10 %

Account service charges, interchange income and other banking fees.

Mortgage banking5 %

Income from mortgage loan origination, sale and servicing activities.

Wealth management and trust8 %

Private banking, investment management, financial planning and trust services.

Brokerage and insurance-related products2 %

Third-party brokerage, annuity and selected insurance products offered through partnerships.

Asiakkaat

The bank serves individuals, small and medium-sized businesses, municipalities and non-profit organizations across its Maine footprint. Its wealth-management division adds higher-balance clients seeking private banking, trust, financial planning and investment services, while the lending franchise focuses on local borrowers that value relationship-based credit decisions.

Individuals and households

They use checking, savings, consumer loans, mortgages and debit cards for everyday banking and borrowing.

Small and medium-sized businesses

They borrow for working capital, equipment and commercial real estate and use deposit and treasury services.

Wealth management clients

They buy private banking, trust, investment management and financial planning services through First National Wealth Management.

Municipalities and non-profit organizations

They use deposit, trust and cash-management services that require relationship banking and local service.

Brokerage and insurance customers

They access third-party brokerage, annuity and insurance products through First National Investment Services.

Strategia

Management is focused on preserving a community-bank model built around local decision-making, small-business lending and personal service. It is also investing in digital banking, new lending software and wealth-management capabilities to defend share against larger banks, credit unions and non-bank competitors while managing interest-rate risk and capital strength.

Strengthen digital banking and lending platformsLyhyt aikaväli

Online and mobile channels are now a key competitive requirement and support customer retention.

Protect net interest income through asset-liability managementLyhyt aikaväli

The bank's core earnings depend on spread income, which is sensitive to interest-rate movements.

Deepen wealth-management and private banking relationshipsKeskipitkä aikaväli

These services broaden fee income and improve retention of higher-balance clients.

Maintain strong capital and credit disciplineKeskipitkä aikaväli

A well-capitalized balance sheet supports lending capacity and resilience through credit cycles.

Maantiede

The company operates almost entirely in Maine, with eighteen offices along coastal and eastern parts of the state. Its business is tied to local economic conditions, branch proximity and community relationships, so the franchise is exposed to the health of Maine households, businesses and municipalities rather than broad national diversification.

Riskit

The main business risk is credit quality, especially in commercial, commercial real estate and construction lending where losses can rise quickly in a downturn. Earnings are also exposed to interest-rate volatility, deposit competition and operational/cyber risks, while the bank faces intense local competition from community banks, credit unions and larger out-of-state institutions.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit losses on commercial and real estate lending1Interest-rate volatility2Deposit competition and funding pressure3Cybersecurity and fraud4Competitive pressure from non-bank financial firms5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit losses on commercial and real estate lendingVaikutus: KorkeaTodennäköisyys: Kohtalainen

    The loan book includes commercial, commercial real estate and construction loans that are more cyclical and collateral-sensitive.

    Kohdistuu: Loan portfolio and allowance for credit losses

  2. Interest-rate volatilityVaikutus: KorkeaTodennäköisyys: Kohtalainen

    The bank earns most revenue from spread income, so changes in rates affect loan yields, deposit costs and margin.

    Kohdistuu: Net interest income and net interest margin

  3. Deposit competition and funding pressureVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Community banks, credit unions and larger banks compete for deposits, which can raise funding costs.

    Kohdistuu: Deposit base and liquidity

  4. Cybersecurity and fraudVaikutus: KeskitasoTodennäköisyys: Matala

    Digital banking and card activity create exposure to data breaches, unauthorized access and payment fraud.

    KohdistuuCustomer dataDebit cardsPayment systems
  5. Competitive pressure from non-bank financial firmsVaikutus: KeskitasoTodennäköisyys: Matala

    Brokerages, mortgage companies and insurance firms can take share in products the bank also offers.

    Kohdistuu: Fee income and customer relationships

Kysy Clarifolta: First Bancorp, Inc /ME/

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses

Management says this is the most significant estimate and it directly affects provision expense and net income.

Vaikutus: Loan loss reserve, earnings and capital

Fair value of securities

Changes in rates and market prices affect valuation and other comprehensive income.

Vaikutus: Equity and regulatory capital

Derivative instruments and hedges

Interest-rate swaps, floors and caps are used to manage earnings volatility and require hedge accounting judgments.

Vaikutus: Net interest income and derivative gains/losses

Goodwill impairment

Acquisition-related goodwill must be tested periodically and can create non-cash charges if performance weakens.

Vaikutus: Earnings and book value

Mortgage servicing rights

Valuation depends on prepayment speeds, rates and servicing assumptions.

Vaikutus: Non-interest income and asset values

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

First Bancorp

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First National Corporation

FXNC · State Commercial Banks

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Kentucky First Federal Bancorp

KFFB · Savings Institution, Federally Chartered

FirstSun Capital Bancorp

FSUN · National Commercial Banks

Päivitetty: 24.9.2026

First Bancorp, Inc /ME/ (FNLC) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo