Risk factors

First Bancorp (FNLC) risk factors

Item 1A of every First Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    40 risks4 new4 dropped18 reworded

    First Bancorp added macro and inflation risk disclosures, while restructuring topics like funding costs and cybersecurity.

    Filed Mar 06, 2026
  • FY2024 10-K risk factors
    40 risks

    First Bancorp faces credit risks concentrated in commercial loans and Mid-Coast and Eastern Maine real estate. Operations are heavily exposed to interest rate fluctuations, Maine judicial foreclosure delays, and regulatory compliance under Dodd-Frank and Basel III. Technology disruptions and cyber security threats also pose significant operational challenges.

    Filed Mar 07, 2025