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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 10-Q

☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

For the quarterly period ended ~~June~~September 30, 2025

Commission File Number 0-26589

THE FIRST BANCORP, INC.

(Exact name of Registrant as specified in its charter)


Maine			01-0404322
(State or other jurisdiction of incorporation or organization)			(I.R.S. Employer Identification No.)


223 Main Street	Damariscotta	Maine	04543
(Address of principal executive offices)			(Zip code)

(207) 563-3195

Registrant's telephone number, including area code

Securities registered pursuant to Section 12(b) of the Act:


Title of Each Class	Trading Symbol	Name of each exchange on which registered
Common Stock, par value $0.01 per share	FNLC	NASDAQ Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer,a non-accelerated filer, a smaller

reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer ☐ Accelerated filer ☒ Non-accelerated filer ☐ Smaller reporting company ☐

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended

transition period for complying with any new or revised financial accounting standards provided pursuant to

Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).

Yes ☐ No ☒

Indicate the number of shares outstanding of each of the registrant's classes of common stock as of ~~August~~November 1, 2025

Common Stock: 11,~~210~~219,~~588~~320 shares

Table of Contents

Part I. Financial Information			1
Selected Financial Data (Unaudited)			1
Item 1 – Financial Statements			2
Report of Independent Registered Public Accounting Firm			2
Consolidated Balance Sheets (Unaudited)			3
Consolidated Statements of Income and Comprehensive Income (Unaudited)			4
Consolidated Statements of Changes in Shareholders' Equity (Unaudited)			5
Consolidated Statements of Cash Flows (Unaudited)			7
Notes to Consolidated Financial Statements			9
Note 1 – Basis of Presentation			9
Note 2 –Investment Securities			10
Note 3 – Loans			15
Note 4 – Allowance for Credit Losses			25
Note 5 – Stock-Based Compensation			39
Note 6 – Preferred and Common Stock			39
Note 7 – Earnings Per Share			39
Note 8 – Employee Benefit Plans			40
Note 9 – Other Comprehensive Income (Loss)			41
Note 10 – Financial Derivative Instruments			42
Note 11 – Mortgage Servicing Rights			44
Note 12 – Income Taxes			4445
Note 13 – Certificates of Deposit			45
Note 14 – Reclassifications			45
Note 15 – Fair Value Disclosures			45
Note 16 – Impact of Recently Issued Accounting Standards			51
Item 2 – Management's Discussion and Analysis of Financial Condition and Results of Operations			52
Forward-Looking Statements			52
Critical Accounting Policies			52
Use of Non-GAAP Financial Measures			54
Executive Summary			55
Net Interest Income			56
Average Daily Balance Sheets			59
Non-Interest Income			60
Non-Interest Expense			60
Income Taxes			60
Investments			60
Debt Securities-Unrealized Loss Position			62
Federal Home Loan Bank Stock			63
Loans and Loans Held for Sale			64
Credit Risk Management and Allowance for Credit Losses			65
Non-Performing Loans and Loan Modifications			6869
Past Due Loans			71
Potential Problem Loans and Loans in Process of Foreclosure			71
Other Real Estate Owned			72
Liquidity			72
Deposits			73
Borrowed Funds			73
Capital Resources			73


Off-Balance-Sheet Financial Instruments and Contractual Obligations			74
Item 3 – Quantitative and Qualitative Disclosures About Market Risk			76
Market-Risk Management			76
Asset/Liability Management			76
Interest Rate Risk Management			77
Item 4 - Controls and Procedures			78
Part II. Other Information			79
Item 1 – Legal Proceedings			79
Item 1a – Risk Factors			79
Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds			79
Item 3 – Default Upon Senior Securities			79
Item 4 – Mine Safety Disclosures			79
Item 5 – Other Information			79
Item 6 – Exhibits			80
Signatures			81

Part I. Financial Information

Selected Financial Data (Unaudited)

The First Bancorp, Inc. and Subsidiary

Dollars in thousands,	As of and for the ~~six~~nine months ended ~~June~~September 30,						As of and for the quarter ended ~~June~~September 30,
except for per share amounts	2025			2024			2025			2024
Summary of Operations
Interest Income	$	78119,~~534~~539		$	71109,~~546~~833		$	3941,~~825~~005		$	3638,~~558~~287
Interest Expense	4263,~~326~~273			4163,~~591~~476			2120,~~416~~947			21,~~483~~885
Net Interest Income	3656,~~208~~266			2946,~~955~~357			1820,~~409~~058			1516,~~075~~402
Credit Loss Expense (Reduction)	~~878~~1,578			(1639)			~~486~~700			~~512~~(638)
Non-Interest Income	812,~~131~~606			711,~~797~~919			4,~~129~~475			4,~~157~~122
Non-Interest Expense	2537,~~043~~797			2335,011			12,~~199~~754			1112,~~250~~000
Net Income	1524,~~140~~222			1219,~~192~~763			89,~~063~~082			67,~~171~~571
Per Common Share Data
Basic Earnings per Share	$	12.3719		$	1.1079		$	0.7382		$	0.5669
Diluted Earnings per Share	12.3516			1.1078			0.7281			0.5568
Cash Dividends Declared	01.7310			01.7107			0.37			0.36
Book Value per Common Share	2324.6948			2123.9603			2324.6948			2123.9603
Tangible Book Value per Common Share2	2021.9474			~~19.~~20.27			2021.9474			~~19.~~20.27
Market Value	2526.4126			2426.8532			2526.4126			2426.8532
Financial Ratios
Return on Average Equity1	1112.7328		%	10.0467		%	1213.3133		%	1011.1686		%
Return on Average Tangible Common Equity1,2	13.3191		%	1112.4919		%	1315.9504		%	1113.6350		%
Return on Average Assets1	01.9602		%	0.8287		%	1.0113		%	0.8298		%
Average Equity to Average Assets	8.1928		%	8.1820		%	8.2345		%	8.1024		%
Average Tangible Equity to Average Assets2	7.2231		%	7.1518		%	7.2749		%	7.0824		%
Net Interest Margin Tax-Equivalent1,2	2.5057		%	2.2125		%	2.5270		%	2.2132		%
Dividend Payout Ratio	5350.4034		%	6459.3181		%	5045.8918		%	6452.4055		%
Allowance for Credit Losses/Total Loans	1.0405		%	1.1004		%	1.0405		%	1.1004		%
Non-Performing Loans to Total Loans	0.2540		%	0.11		%	0.2540		%	0.11		%
Non-Performing Assets to Total Assets	0.1930		%	0.0908		%	0.1930		%	0.0908		%
Efficiency Ratio2	5453.6312		%	5857.7088		%	5250.3940		%	56.3537		%
At Period End
Total Assets	$	3,~~199~~198,~~510~~478		$	3,~~084~~142,~~944~~563		$	3,~~199~~198,~~510~~478		$	3,~~084~~142,~~944~~563
Total Loans	2,~~394~~398,~~007~~510			2,~~247~~307,~~670~~253			2,~~394~~398,~~007~~510			2,~~247~~307,~~670~~253
Total Investment Securities	~~653~~642,~~855~~961			~~658~~669,~~133~~076			~~653~~642,~~855~~961			~~658~~669,~~133~~076
Total Deposits	2,~~705~~737,~~337~~550			2,~~578~~702,~~080~~718			2,~~705~~737,~~337~~550			2,~~578~~702,~~080~~718
Total Shareholders' Equity	~~265~~274,~~492~~566			~~244~~256,~~668~~783			~~265~~274,~~492~~566			~~244~~256,~~668~~783

1Annualized using a 365-day basis in 2025 and a 366-day basis in 2024.

2These ratios use non-GAAP financial measures. See Management's Discussion and Analysis of Financial Condition and Results of Operations for additional disclosures and information.

Item 1 – Financial Statements

Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders

The First Bancorp, Inc.

Results of Review of Interim Financial Information

We have reviewed the accompanying interim consolidated financial information of The First Bancorp, Inc. and Subsidiary as of ~~June~~September 30, 2025 and 2024 and for the three-month and ~~six~~nine-month periods then ended, and the related notes (collectively referred to as the "interim financial information"). Based on our reviews, we are not aware of any material modifications that should be made to the accompanying interim financial information for them to be in conformity with accounting principles generally accepted in the United States of America.

Basis for Review Results

This consolidated interim financial information is the responsibility of the Company's management. We conducted our review in accordance with the standards of the Public Company Accounting Oversight Board (United States) ("PCAOB"). A review of interim financial information consists principally of applying analytical procedures and making inquiries of persons responsible for financial and accounting matters. It is substantially less in scope than an audit conducted in accordance with the standards of the PCAOB, the objective of which is the expression of an opinion regarding the financial statements taken as a whole. Accordingly, we do not express such an opinion.

/s/ ~~BDMP~~Berry ~~Assurance~~Dunn McNeil & Parker, ~~LLP~~LLC

Portland, Maine

~~August~~November 87, 2025

Consolidated Balance Sheets (Unaudited) - The First Bancorp, Inc. and Subsidiary

Consolidated Balance Sheets (Unaudited)


	September 30, 2025		December 31, 2024		September 30, 2024
Assets
Cash and cash equivalents	$	31,606,000	$	27,636,000	$	35,136,000
Interest bearing deposits in other banks	7,225,000		22,100,000		17,199,000
Securities available for sale	273,493,000		274,680,000		285,021,000
Securities held-to-maturity (net of ACL), fair value of $316,574,000 at September 30, 2025, $314,993,000 at December 31, 2024 and $333,575,000 at September 30, 2024	362,552,000		369,704,000		377,635,000
Restricted equity securities, at cost	6,916,000		7,203,000		6,420,000
Loans held for sale	333,000		—		—
Loans	2,398,510,000		2,340,940,000		2,307,253,000
Less allowance for credit losses	25,078,000		24,871,000		23,999,000
Net loans	2,373,432,000		2,316,069,000		2,283,254,000
Accrued interest receivable	16,256,000		13,976,000		14,600,000
Premises and equipment, net	27,919,000		27,855,000		27,449,000
Other real estate owned	—		173,000		173,000
Goodwill	30,646,000		30,646,000		30,646,000
Other assets	68,100,000		66,968,000		65,030,000
Total assets	$	3,198,478,000	$	3,157,010,000	$	3,142,563,000
Liabilities
Demand deposits	$	313,729,000	$	292,255,000	$	312,956,000
NOW deposits	638,090,000		676,107,000		651,242,000
Money market deposits	458,398,000		376,627,000		344,102,000
Savings deposits	255,806,000		265,451,000		269,092,000
Certificates of deposit	1,071,527,000		1,114,811,000		1,125,326,000
Total deposits	2,737,550,000		2,725,251,000		2,702,718,000
Borrowed funds – short term	57,468,000		51,278,000		56,027,000
Borrowed funds – long term	95,500,000		95,000,000		95,000,000
Other liabilities	33,394,000		32,988,000		32,035,000
Total liabilities	2,923,912,000		2,904,517,000		2,885,780,000
Shareholders' equity

Common stock, one cent par value per share	112,000		112,000		111,000
Additional paid-in capital	73,276,000		71,832,000		71,389,000
Retained earnings	234,435,000		222,823,000		219,559,000
Accumulated other comprehensive income (loss)
Net unrealized loss on securities available-for-sale	(33,523,000)		(42,671,000)		(34,394,000)
Net unrealized loss on securities transferred from available-for-sale to held-to-maturity	(40,000)		(47,000)		(49,000)
Net unrealized gain (loss) on cash flow hedging derivative instruments	19,000		157,000		(136,000)
Net unrealized gain on postretirement costs	287,000		287,000		303,000
Total shareholders' equity	274,566,000		252,493,000		256,783,000
Total liabilities & shareholders' equity	$	3,198,478,000	$	3,157,010,000	$	3,142,563,000
Common Stock
Number of shares authorized	18,000,000		18,000,000		18,000,000
Number of shares issued and outstanding	11,214,455		11,155,528		11,148,066
Book value per common share	$	24.48	$	22.63	$	23.03
Tangible book value per common share	$	21.74	$	19.87	$	20.27

The First Bancorp, Inc. and Subsidiary

	June 30, 2025		December 31, 2024		June 30, 2024
Assets
Cash and cash equivalents	$	27,360,000	$	27,636,000	$	27,816,000
Interest bearing deposits in other banks	3,253,000		22,100,000		33,133,000
Securities available for sale	278,248,000		274,680,000		273,501,000
Securities held-to-maturity (net of ACL), fair value of $312,508,000 at June 30, 2025, $314,993,000 at December 31, 2024 and $321,616,000 at June 30, 2024	367,873,000		369,704,000		377,522,000
Restricted equity securities, at cost	7,734,000		7,203,000		7,110,000
Loans	2,394,007,000		2,340,940,000		2,247,670,000
Less allowance for credit losses	24,829,000		24,871,000		24,693,000
Net loans	2,369,178,000		2,316,069,000		2,222,977,000
Accrued interest receivable	19,386,000		13,976,000		17,760,000
Premises and equipment, net	28,198,000		27,855,000		27,929,000
Other real estate owned	—		173,000		208,000
Goodwill	30,646,000		30,646,000		30,646,000
Other assets	67,634,000		66,968,000		66,342,000
Total assets	$	3,199,510,000	$	3,157,010,000	$	3,084,944,000
Liabilities
Demand deposits	$	291,150,000	$	292,255,000	$	270,858,000
NOW deposits	590,536,000		676,107,000		609,878,000
Money market deposits	388,214,000		376,627,000		317,133,000
Savings deposits	256,584,000		265,451,000		268,472,000
Certificates of deposit	1,178,853,000		1,114,811,000		1,111,739,000
Total deposits	2,705,337,000		2,725,251,000		2,578,080,000
Borrowed funds – short term	101,170,000		51,278,000		160,620,000
Borrowed funds – long term	95,000,000		95,000,000		70,000,000
Other liabilities	32,511,000		32,988,000		31,576,000
Total liabilities	2,934,018,000		2,904,517,000		2,840,276,000
Shareholders' equity
Common stock, one cent par value per share	112,000		112,000		111,000
Additional paid-in capital	72,795,000		71,832,000		70,942,000
Retained earnings	229,511,000		222,823,000		215,999,000
Accumulated other comprehensive income (loss)
Net unrealized loss on securities available-for-sale	(37,237,000)		(42,671,000)		(43,369,000)
Net unrealized loss on securities transferred from available-for-sale to held-to-maturity	(60,000)		(47,000)		(51,000)
Net unrealized gain on cash flow hedging derivative instruments	84,000		157,000		733,000
Net unrealized gain on postretirement costs	287,000		287,000		303,000
Total shareholders' equity	265,492,000		252,493,000		244,668,000
Total liabilities & shareholders' equity	$	3,199,510,000	$	3,157,010,000	$	3,084,944,000
Common Stock
Number of shares authorized	18,000,000		18,000,000		18,000,000
Number of shares issued and outstanding	11,205,861		11,155,528		11,139,639
Book value per common share	$	23.69	$	22.63	$	21.96
Tangible book value per common share	$	20.94	$	19.87	$	19.20

See Report of Independent Registered Public Accounting Firm. The accompanying notes are an integral part of these consolidated financial statements.

Consolidated Statements of Income and Comprehensive Income (Unaudited) - The First Bancorp, Inc. and Subsidiary

The First Bancorp, Inc. and Subsidiary


	For the nine months ended September 30,				For the quarter ended September 30,
	2025		2024		2025		2024
Interest income
Interest and fees on loans (includes YTD tax-exempt income of $2,169,000 for September 30, 2025 and $1,824,000 for September 30, 2024)	$	105,135,000	$	95,541,000	$	36,197,000	$	33,498,000
Interest on deposits with other banks	215,000		190,000		108,000		56,000
Interest and dividends on investments (includes YTD tax-exempt income of $5,865,000 for September 30, 2025 and $5,971,000 for September 30, 2024)	14,189,000		14,102,000		4,700,000		4,733,000
Total interest income	119,539,000		109,833,000		41,005,000		38,287,000
Interest expense
Interest on deposits	58,374,000		59,111,000		19,380,000		20,118,000
Interest on borrowed funds	4,899,000		4,365,000		1,567,000		1,767,000
Total interest expense	63,273,000		63,476,000		20,947,000		21,885,000
Net interest income	56,266,000		46,357,000		20,058,000		16,402,000
Credit loss expense (reduction) - loans	1,434,000		58,000		690,000		(580,000)
Credit loss (reduction) expense - debt securities HTM	(10,000)		(210,000)		(12,000)		76,000
Credit loss expense (reduction) - off-balance sheet credit exposures	154,000		(487,000)		22,000		(134,000)
Total credit loss expense (reduction)	1,578,000		(639,000)		700,000		(638,000)
Net interest income after provision for credit losses	54,688,000		46,996,000		19,358,000		17,040,000
Non-interest income
Investment management and fiduciary income	3,994,000		3,689,000		1,341,000		1,232,000
Service charges on deposit accounts	1,602,000		1,552,000		532,000		511,000

Mortgage origination and servicing income, net of amortization	635,000		512,000		219,000		193,000
Debit card income	3,859,000		3,884,000		1,403,000		1,365,000
Other operating income	2,516,000		2,282,000		980,000		821,000
Total non-interest income	12,606,000		11,919,000		4,475,000		4,122,000
Non-interest expense
Salaries and employee benefits	19,800,000		17,768,000		6,674,000		6,126,000
Occupancy expense	2,567,000		2,532,000		814,000		823,000
Furniture and equipment expense	4,391,000		4,182,000		1,491,000		1,416,000
FDIC insurance premiums	2,093,000		1,762,000		698,000		636,000
Amortization of identified intangibles	20,000		20,000		7,000		7,000
Other operating expense	8,926,000		8,747,000		3,070,000		2,992,000
Total non-interest expense	37,797,000		35,011,000		12,754,000		12,000,000
Income before income taxes	29,497,000		23,904,000		11,079,000		9,162,000
Income tax expense	5,275,000		4,141,000		1,997,000		1,591,000
NET INCOME	$	24,222,000	$	19,763,000	$	9,082,000	$	7,571,000
Basic earnings per common share	$	2.19	$	1.79	$	0.82	$	0.69
Diluted earnings per common share	$	2.16	$	1.78	$	0.81	$	0.68
Other comprehensive income (loss) net of tax
Net unrealized gain on securities available for sale, net of taxes	$	9,148,000	$	5,181,000	$	3,714,000	$	8,975,000
Net unrealized gain on transferred securities, net of taxes	7,000		7,000		20,000		2,000
Net unrealized loss on hedging derivative instruments	(138,000)		(436,000)		(65,000)		(869,000)

Other comprehensive gain	9,017,000		4,752,000		3,669,000		8,108,000
Comprehensive income	$	33,239,000	$	24,515,000	$	12,751,000	$	15,679,000

	For the six months ended June 30,				For the quarter ended June 30,
	2025		2024		2025		2024
Interest income
Interest and fees on loans (includes YTD tax-exempt income of $1,388,000 for June 30, 2025 and $1,111,000 for June 30, 2024)	$	68,938,000	$	62,043,000	$	35,014,000	$	31,839,000
Interest on deposits with other banks	107,000		134,000		51,000		56,000
Interest and dividends on investments (includes YTD tax-exempt income of $3,913,000 for June 30, 2025 and $3,985,000 for June 30, 2024)	9,489,000		9,369,000		4,760,000		4,663,000
Total interest income	78,534,000		71,546,000		39,825,000		36,558,000
Interest expense
Interest on deposits	38,994,000		38,993,000		19,725,000		19,816,000
Interest on borrowed funds	3,332,000		2,598,000		1,691,000		1,667,000
Total interest expense	42,326,000		41,591,000		21,416,000		21,483,000
Net interest income	36,208,000		29,955,000		18,409,000		15,075,000
Credit loss expense - loans	744,000		638,000		348,000		539,000
Credit loss expense (reduction) - debt securities HTM	2,000		(286,000)		1,000		(34,000)
Credit loss expense (reduction) - off-balance sheet credit exposures	132,000		(353,000)		137,000		7,000
Total credit loss expense (reduction)	878,000		(1,000)		486,000		512,000
Net interest income after provision for credit losses	35,330,000		29,956,000		17,923,000		14,563,000
Non-interest income
Investment management and fiduciary income	2,653,000		2,457,000		1,336,000		1,269,000
Service charges on deposit accounts	1,070,000		1,041,000		539,000		542,000
Mortgage origination and servicing income, net of amortization	416,000		319,000		221,000		189,000
Debit card income	2,456,000		2,519,000		1,286,000		1,333,000
Other operating income	1,536,000		1,461,000		747,000		824,000
Total non-interest income	8,131,000		7,797,000		4,129,000		4,157,000
Non-interest expense
Salaries and employee benefits	13,126,000		11,642,000		6,276,000		5,585,000
Occupancy expense	1,753,000		1,709,000		876,000		843,000
Furniture and equipment expense	2,900,000		2,766,000		1,438,000		1,377,000
FDIC insurance premiums	1,395,000		1,126,000		701,000		562,000
Amortization of identified intangibles	13,000		13,000		6,000		6,000
Other operating expense	5,856,000		5,755,000		2,902,000		2,877,000
Total non-interest expense	25,043,000		23,011,000		12,199,000		11,250,000
Income before income taxes	18,418,000		14,742,000		9,853,000		7,470,000
Income tax expense	3,278,000		2,550,000		1,790,000		1,299,000
NET INCOME	$	15,140,000	$	12,192,000	$	8,063,000	$	6,171,000
Basic earnings per common share	$	1.37	$	1.10	$	0.73	$	0.56
Diluted earnings per common share	$	1.35	$	1.10	$	0.72	$	0.55
Other comprehensive income (loss) net of tax
Net unrealized gain (loss) on securities available for sale, net of taxes	$	5,434,000	$	(3,794,000)	$	1,465,000	$	(553,000)
Net unrealized (loss) gain on transferred securities, net of taxes	(13,000)		5,000		(15,000)		3,000
Net unrealized (loss) gain on hedging derivative instruments	(73,000)		433,000		2,000		(2,000)
Other comprehensive gain (loss)	5,348,000		(3,356,000)		1,452,000		(552,000)
Comprehensive income	$	20,488,000	$	8,836,000	$	9,515,000	$	5,619,000

See Report of Independent Registered Public Accounting Firm. The accompanying notes are an integral part of these consolidated financial statements.

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - The First Bancorp, Inc. and Subsidiary

Six Month Period Ended June 30, 2025 and 2024
Nine Month Period Ended September 30, 2025 and 2024
	Common stock and additional paid-in capital			Retainedearnings		Accumulatedothercomprehensiveincome (loss)		Totalshareholders'equity
	Shares	Amount
Balance at December 31, 2023	11,098,057	$	70,182,000	$	211,925,000	$	(39,028,000)	$	243,079,000
Net income	—	—		1219,~~192~~763,000		—		1219,~~192~~763,000
Net unrealized loss on securities available for sale, net of tax	—	—		—		(3,794,000)		(3,794,000)
Net unrealized gain on securities available for sale, net of tax	—	—		—		5,181,000		5,181,000
Net unrealized gain on securities transferred from available for sale to held to maturity, net of tax	—	—		—		57,000		57,000
Net unrealized gain on hedging derivative instruments, net of tax	—	—		—		433,000		433,000
Net unrealized loss on hedging derivative instruments, net of tax	—	—		—		(436,000)		(436,000)
Comprehensive income (loss)	—	—		12,192,000		(3,356,000)		8,836,000
Comprehensive income	—	—		19,763,000		4,752,000		24,515,000
Cash dividends declared ($0.71 per share)	—	—		(7,906,000)		—		(7,906,000)
Cash dividends declared ($1.07 per share)	—	—		(11,917,000)		—		(11,917,000)
Equity compensation expense	—	~~450~~680,000		—		—		~~450~~680,000
Payment to repurchase common stock	(89,~~881~~081)	—		(212,000)		—		(212,000)
Issuance of restricted stock	32,859	—		—		—		—
Proceeds from sale of common stock	1726,~~604~~231	~~421~~638,000		—		—		~~421~~638,000
Balance at June 30, 2024	11,139,639	$	71,053,000	$	215,999,000	$	(42,384,000)	$	244,668,000
Balance at September 30, 2024	11,148,066	$	71,500,000	$	219,559,000	$	(34,276,000)	$	256,783,000
Balance at December 31, 2024	11,155,528	$	71,944,000	$	222,823,000	$	(42,274,000)	$	252,493,000
Net income	—	—		1524,~~140~~222,000		—		1524,~~140~~222,000
Net unrealized gain on securities available for sale, net of tax	—	—		—		59,~~434~~148,000		59,~~434~~148,000
Net unrealized loss on securities transferred from available for sale to held to maturity, net of tax	—	—		—		(13,000)		(13,000)
Net unrealized gain on securities transferred from available for sale to held to maturity, net of tax	—	—		—		7,000		7,000
Net unrealized loss on hedging derivative instruments, net of tax	—	—		—		(73138,000)		(73138,000)
Comprehensive income	—	—		1524,~~140~~222,000		59,~~348~~017,000		2033,~~488~~239,000
Cash dividends declared ($0.73 per share)	—	—		(8,177,000)		—		(8,177,000)
Cash dividends declared ($1.10 per share)	—	—		(12,326,000)		—		(12,326,000)
Equity compensation expense	—	~~510~~764,000		—		—		~~510~~764,000
Payment to repurchase common stock	(11,~~434~~659)	—		(~~275~~284,000)		—		(~~275~~284,000)
Issuance of restricted stock	43,297	—		—		—		—
Proceeds from sale of common stock	1827,~~470~~289	~~453~~680,000		—		—		~~453~~680,000
Balance at June 30, 2025	11,205,861	$	72,907,000	$	229,511,000	$	(36,926,000)	$	265,492,000
Balance at September 30, 2025	11,214,455	$	73,388,000	$	234,435,000	$	(33,257,000)	$	274,566,000

Three Month Period Ended June 30, 2025 and 2024
Three Month Period Ended September 30, 2025 and 2024
	Common stock and additional paid-in capital			Retainedearnings		Accumulatedothercomprehensiveincome (loss)		Totalshareholders'equity
	Shares	Amount
Balance at March 31, 2024	11,130,933	$	70,617,000	$	213,839,000	$	(41,832,000)	$	242,624,000
Net income	—	—		6,171,000		—		6,171,000
Net unrealized loss on securities available for sale, net of tax	—	—		—		(553,000)		(553,000)
Net unrealized gain on securities transferred from available for sale to held to maturity, net of tax	—	—		—		3,000		3,000
Net unrealized loss on cash flow hedging derivative instruments, net of tax	—	—		—		(2,000)		(2,000)
Comprehensive income (loss)	—	—		6,171,000		(552,000)		5,619,000
Cash dividends declared ($0.36 per share)	—	—		(4,011,000)		—		(4,011,000)
Equity compensation expense	—	218,000		—		—		218,000
Payment to repurchase common stock	(850)	—		—		—		—
Proceeds from sale of common stock	9,556	218,000		—		—		218,000
Balance at June 30, 2024	11,139,639	$	71,053,000	$	215,999,000	$	(42,384,000)	$	244,668,000
Balance at March 31, 2025	11,196,881	$	72,467,000	$	225,592,000	$	(38,378,000)	$	259,681,000
Net income	—	—		7,571,000		—		7,571,000
Net income	—	—		8,063,000		—		8,063,000
Net unrealized gain on securities available for sale, net of tax	—	—		—		8,975,000		8,975,000
Net unrealized gain on securities available for sale, net of tax	—	—		—		1,465,000		1,465,000
Net unrealized gain on securities transferred from available for sale to held to maturity, net of tax	—	—		—		2,000		2,000
Net unrealized loss on securities transferred from available for sale to held to maturity, net of tax	—	—		—		(15,000)		(15,000)
Net unrealized loss on cash flow hedging derivative instruments, net of tax	—	—		—		(869,000)		(869,000)
Net unrealized gain on hedging derivative instruments, net of tax	—	—		—		2,000		2,000
Comprehensive income	—	—		7,571,000		8,108,000		15,679,000
Comprehensive income	—	—		8,063,000		1,452,000		9,515,000
Cash dividends declared ($0.36 per share)	—	—		(4,011,000)		—		(4,011,000)
Cash dividends declared ($0.37 per share)	—	—		(4,146,000)		—		(4,146,000)
Equity compensation expense	—	230,000		—		—		230,000
Equity compensation expense	—	212,000		—		—		212,000
Payment to repurchase common stock	(200)	—		—		—		—
Payment to repurchase common stock	(650)	—		2,000		—		2,000
Proceeds from sale of common stock	8,627	217,000		—		—		217,000
Proceeds from sale of common stock	9,630	228,000		—		—		228,000
Balance at September 30, 2024	11,148,066	$	71,500,000	$	219,559,000	$	(34,276,000)	$	256,783,000
Balance at June 30, 2025	11,205,861	$	72,907,000	$	229,511,000	$	(36,926,000)	$	265,492,000
Net income	—	—		9,082,000		—		9,082,000
Net unrealized gain on securities available for sale, net of tax	—	—		—		3,714,000		3,714,000
Net unrealized gain on securities transferred from available for sale to held to maturity, net of tax	—	—		—		20,000		20,000
Net unrealized loss on hedging derivative instruments, net of tax	—	—		—		(65,000)		(65,000)
Comprehensive income	—	—		9,082,000		3,669,000		12,751,000
Cash dividends declared ($0.37 per share)	—	—		(4,149,000)		—		(4,149,000)
Equity compensation expense	—	254,000		—		—		254,000
Payment to repurchase common stock	(225)	—		(9,000)		—		(9,000)
Proceeds from sale of common stock	8,819	227,000		—		—		227,000
Balance at September 30, 2025	11,214,455	$	73,388,000	$	234,435,000	$	(33,257,000)	$	274,566,000

See Report of Independent Registered Public Accounting Firm. The accompanying notes are an integral part of these consolidated financial statements.

Consolidated Statements of Cash Flows (Unaudited) - The First Bancorp, Inc. and Subsidiary

The First Bancorp, Inc. and Subsidiary


	For the nine months ended September 30,
	2025		2024
Cash flows from operating activities
Net income	$	24,222,000	$	19,763,000
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	1,644,000		1,657,000
Change in deferred taxes	31,000		111,000
Credit loss expense (reduction)	1,578,000		(639,000)
Loans originated for resale	(7,435,000)		(3,146,000)
Proceeds from sales and transfers of loans	7,264,000		3,231,000
Net gain on sales of loans	(162,000)		(85,000)

Net amortization of premiums on investments	414,000		444,000
Net gain on sale of other real estate owned	(33,000)		—
Provision for losses on other real estate owned	—		35,000
Equity compensation expense	764,000		680,000

Net increase in other assets and accrued interest	(6,870,000)		(6,297,000)
Net increase (decrease) in other liabilities	81,000		(1,649,000)
Net (gain) loss on disposal of premises and equipment	(10,000)		9,000
Amortization of investment in limited partnership	940,000		504,000
Net acquisition amortization	20,000		20,000
Net cash provided by operating activities	22,448,000		14,638,000
Cash flows from investing activities
Decrease (increase) in interest-bearing deposits in other banks	14,875,000		(13,711,000)

Proceeds from maturities, payments and calls of securities available for sale	26,491,000		20,982,000
Proceeds from maturities, payments, calls and sales of securities to be held to maturity	8,391,000		10,495,000
Proceeds from sales of other real estate owned	206,000		—
Purchases of securities available for sale	(14,108,000)		(17,762,000)
Purchases of securities to be held to maturity	(1,250,000)		(2,750,000)

Change in restricted equity securities	287,000		(3,035,000)


Net increase in loans	(58,797,000)		(178,096,000)
Capital expenditures	(1,786,000)		(496,000)
Proceeds from disposal of premises and equipment	22,000		—
Net cash used by investing activities	(25,669,000)		(184,373,000)
Cash flows from financing activities
Net increase in demand, savings, and money market accounts	55,583,000		47,977,000
Net (decrease) increase in certificates of deposit	(43,284,000)		55,079,000
Net increase (decrease) in short-term borrowings	6,190,000		(13,625,000)
Advances on long-term borrowings	500,000		95,000,000


Payment to repurchase common stock	(284,000)		(212,000)
Proceeds from sale of common stock	680,000		638,000
Dividends paid	(12,194,000)		(11,928,000)
Net cash provided by financing activities	7,191,000		172,929,000
Net increase in cash and cash equivalents	3,970,000		3,194,000
Cash and cash equivalents at beginning of period	27,636,000		31,942,000
Cash and cash equivalents at end of period	$	31,606,000	$	35,136,000

	For the six months ended June 30,
	2025		2024
Cash flows from operating activities
Net income	$	15,140,000	$	12,192,000
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	1,090,000		1,088,000
Change in deferred taxes	178,000		100,000
Credit loss expense (reduction)	878,000		(1,000)
Loans originated for resale	(5,198,000)		(819,000)
Proceeds from sales and transfers of loans	5,312,000		851,000
Net gain on sales of loans	(114,000)		(32,000)
Net amortization of premiums on investments	281,000		286,000
Net gain on sale of other real estate owned	(33,000)		—
Equity compensation expense	510,000		450,000
Net increase in other assets and accrued interest	(8,279,000)		(6,979,000)
Net decrease in other liabilities	(847,000)		(2,511,000)
Net (gain) loss on disposal of premises and equipment	(10,000)		9,000
Amortization of investment in limited partnership	626,000		234,000
Net acquisition amortization	13,000		13,000
Net cash provided by operating activities	9,547,000		4,881,000
Cash flows from investing activities
Decrease (increase) in interest-bearing deposits in other banks	18,847,000		(29,645,000)
Proceeds from maturities, payments and calls of securities available for sale	17,151,000		12,508,000
Proceeds from maturities, payments, calls and sales of securities to be held to maturity	2,549,000		9,205,000
Proceeds from sales of other real estate owned	206,000		—
Purchases of securities available for sale	(14,109,000)		(8,994,000)
Purchases of securities to be held to maturity	(750,000)		(1,250,000)
Change in restricted equity securities	(531,000)		(3,725,000)
Net increase in loans	(53,853,000)		(118,399,000)
Capital expenditures	(1,487,000)		(385,000)
Proceeds from disposal of premises and equipment	43,000		—
Net cash used by investing activities	(31,934,000)		(140,685,000)
Cash flows from financing activities
Net decrease in demand, savings, and money market accounts	(83,956,000)		(63,074,000)
Net increase in certificates of deposit	64,042,000		41,492,000
Net increase in short-term borrowings	49,892,000		90,968,000
Advances on long-term borrowings	—		70,000,000
Payment to repurchase common stock	(275,000)		(212,000)
Proceeds from sale of common stock	453,000		421,000
Dividends paid	(8,045,000)		(7,917,000)
Net cash provided by financing activities	22,111,000		131,678,000
Net decrease in cash and cash equivalents	(276,000)		(4,126,000)
Cash and cash equivalents at beginning of period	27,636,000		31,942,000
Cash and cash equivalents at end of period	$	27,360,000	$	27,816,000

	For the six months ended June 30,
	For the nine months ended September 30,
	2025		2024
Interest paid	$	4263,~~250~~391,000	$	4063,~~905~~260,000
Income taxes paid	23,~~060~~710,000		23,~~657~~577,000
Non-cash transactions
Change in net unrealized loss on available for sale securities, net of tax	$	(59,~~434~~148,000)	$	3(5,~~794~~181,000)
Net transfer from loans to other real estate owned	—		208,000

See Report of Independent Registered Public Accounting Firm. The accompanying notes are an integral part of these consolidated financial statements.

Notes to Consolidated Financial Statements

The First Bancorp, Inc. and Subsidiary

Note 1 – Basis of Presentation

The Company is a financial holding company that owns all of the common stock of the Bank. The accompanying unaudited consolidated financial statements have been prepared in accordance with GAAP for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of Management, all adjustments (consisting of normally recurring accruals) considered necessary for a fair presentation have been included. All significant intercompany transactions and balances are eliminated in consolidation. The income reported for the 2025 period is not necessarily indicative of the results that may be expected for the year ending December 31, 2025. For further information, refer to the consolidated financial statements and notes included in the Company's annual report on Form 10-K for the year ended December 31, 2024.

The abbreviations and definitions identified below may be used throughout this Form 10-Q, including Item 1 - Financial Statements and Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations. The following is provided to aid the reader and provide a reference page when reviewing these sections of the Form 10-Q.

Abbreviation	Description	Abbreviation	Description
ACL	Allowance for credit losses	GDP	Gross domestic product
AFS	Available-for-sale	GNMA	Government National Mortgage Association
ALCO	Asset/Liability Committee	HTM	Held-to-maturity
AOCI	Accumulated other comprehensive income (loss)	IAL	Individually Analyzed Loans
ASC	Accounting Standards Codification	IRS	Internal Revenue Service
ASU	Accounting Standards Update	MPF	Mortgage Partnership Finance Program
C&I	Commercial and Industrial	OAEM	Other assets especially mentioned
CDs	Certificates of deposit	OCC	Office of the Comptroller of the Currency
CECL	Current Expected Credit Loss	OCI	Other comprehensive income (loss)
CET1	Common Equity Tier 1	OIS	Overnight Indexed Swap
CLLD	Construction, land, and land development	OREO	Other real estate owned
EPS	Earnings per share	POR	Period of Redemption
FASB	Financial Accounting Standards Board	PSA	Public Securities Association
FDIC	Federal Deposit Insurance Corporation	~~SEC~~PTPP	~~Securities~~Pre-Tax, ~~and Exchange Commission~~Pre-Provision
FHLB	Federal Home Loan Bank	~~SOFR~~SEC	~~Secured~~Securities ~~Overnight~~and ~~Financing~~Exchange ~~Rate~~Commission
FHLBB	Federal Home Loan Bank of Boston	~~The 2020 Plan~~SOFR	~~The~~Secured ~~2020~~Overnight ~~Equity~~Financing ~~Incentive Plan~~Rate
FHLMC	Federal Home Loan Mortgage Corporation	The ~~Bank~~2020 Plan	~~First~~The ~~National~~2020 ~~Bank~~Equity Incentive Plan
FNMA	Federal National Mortgage Association	The ~~Company~~Bank	~~The~~ First ~~Bancorp,~~National ~~Inc.~~Bank
FOMC	Federal Open Market Committee	~~U.S.~~The Company	~~United~~The ~~States~~First ofBancorp, ~~America~~Inc.
FRB	Federal Reserve Board	~~USD~~U.S.	~~U.S.~~United ~~Dollar~~States of America
FRBB	Federal Reserve Bank of Boston	~~WSJP~~USD	~~Wall~~U.S. ~~Street Journal Prime~~Dollar
GAAP	Accounting principles generally accepted in the U.S.	WSJP	Wall Street Journal Prime

Risks and Uncertainties

Global markets have ~~calmed~~normalized ~~somewhat~~ after experiencing heightened volatility amidst an escalation of trade disputes, and the continuing impacts of ongoing conflicts between Russia and Ukraine, and Israel and Hamas, as well as other conflicts globally. ~~All~~Trade agreements have ~~the~~been ~~potential~~reached tobetween ~~reignite~~the ~~leading~~U.S. toand ~~economic~~most ~~uncertainty~~of ~~and~~its ~~geopolitical~~major ~~instability.~~trading ~~Domestically~~partners, aand ~~budget~~significant ~~package~~progress ~~which~~made ~~featured~~to ~~spending~~bring ~~reforms~~an ~~and~~end ~~renewal~~to ofhostilities ~~2017~~in ~~tax~~the ~~cuts,~~Middle ~~that~~East. ~~had~~All ~~been~~have ~~scheduled~~the potential to ~~sunset,~~reignite ~~has~~leading ~~been~~to ~~met~~economic ~~favorably~~uncertainty byand ~~markets,~~geopolitical ~~further~~instability. ~~lessening~~The ~~volatility~~U.S. ~~The~~government ~~future~~entered ~~economic~~into ~~outlook~~a ~~continues~~partial shutdown to bestart ~~clouded~~its ~~pending~~new ~~the~~fiscal ~~outcome~~year ofafter ~~threatened~~Congress ~~tariffs~~failed ~~amidst~~to ~~trade~~pass ~~negotiations~~a continuing resolution to provide funding. The ~~FOMC~~duration ~~has~~of ~~cited~~ the ~~potential~~shutdown ~~for~~is ~~tariff~~unknown ~~induced~~and ~~rekindling~~economic ofimpacts ~~inflation~~difficult into ~~keeping~~measure. The FOMC lowered short term interest rates ~~unchanged~~in ~~year-to-date.~~September ~~Any~~and orOctober, ~~all~~and ofhas ~~the~~signaled ~~foregoing~~further rate cuts could ~~ultimately~~be ~~have~~forthcoming ~~negative~~provided ~~downstream~~progress ~~effects~~continues onto ~~the~~be ~~Company's~~made ~~operating~~towards ~~results,~~reaching ~~the~~its ~~extent~~inflation oftargets, ~~which~~or iswould ~~indeterminable~~be atlikely ~~this~~in ~~time.~~the event

Subsequent Events

Events occurring subsequent to June 30, 2025, have been evaluated as to their potential impact to the financial statements.

of a significant weakening in the nation's employment outlook. Any or all of the foregoing could ultimately have negative downstream effects on the Company's operating results, the extent of which is indeterminable at this time.

Subsequent Events

Events occurring subsequent to September 30, 2025, have been evaluated as to their potential impact to the financial statements.

Note 2 – Investment Securities

The following table summarizes the amortized cost and estimated fair value of investment securities at ~~June~~September 30, 2025:

	AmortizedCost		Unrealized Gains		Unrealized Losses		Fair Value (Estimated)
Securities available for sale
U.S. Treasury & Agency securities	$	2423,~~544~~045,000	$	—	$	(5,~~510~~163,000)	$	1917,~~034~~882,000
Mortgage-backed securities	~~258~~250,~~633~~759,000		~~487~~409,000		(3431,~~704~~751,000)		~~224~~219,~~416~~417,000
State and political subdivisions	40,~~087~~071,000		—		(75,~~400~~909,000)		3234,~~687~~162,000
Asset-backed securities	2,~~117~~051,000		1012,000		(1631,000)		2,~~111~~032,000
	$	~~325~~315,~~381~~926,000	$	~~497~~421,000	$	(4742,~~630~~854,000)	$	~~278~~273,~~248~~493,000
Securities to be held to maturity
U.S. Treasury & Agency securities	$	38,100,000	$	—	$	(8,~~879~~381,000)	$	29,~~221~~719,000
Mortgage-backed securities	5049,~~510~~444,000		7896,000		(109,~~211~~434,000)		40,~~377~~106,000
State and political subdivisions	~~251~~249,~~461~~194,000		44103,000		(3427,~~833~~445,000)		~~216~~221,~~672~~852,000
Corporate securities	2826,000,000		—54,000		(1,~~762~~157,000)		2624,~~238~~897,000
	$	~~368~~362,~~071~~738,000	$	~~122~~253,000	$	(5546,~~685~~417,000)	$	~~312~~316,~~508~~574,000
Less allowance for credit losses	(~~198~~186,000)		—		—		—
Net securities to be held to maturity	$	~~367~~362,~~873~~552,000	$	~~122~~253,000	$	(5546,~~685~~417,000)	$	~~312~~316,~~508~~574,000
Restricted equity securities
Federal Home Loan Bank Stock	$	65,~~697~~879,000	$	—	$	—	$	65,~~697~~879,000
Federal Reserve Bank Stock	1,037,000		—		—		1,037,000
	$	76,~~734~~916,000	$	—	$	—	$	76,~~734~~916,000

The following table summarizes the amortized cost and estimated fair value of investment securities at December 31, 2024:


	Amortized Cost		Unrealized Gains		Unrealized Losses		Fair Value (Estimated)
Securities available for sale
U.S. Treasury & Agency securities	$	26,042,000	$	—	$	(6,246,000)	$	19,796,000
Mortgage-backed securities	260,267,000		141,000		(41,026,000)		219,382,000
State and political subdivisions	40,148,000		—		(6,896,000)		33,252,000
Asset-backed securities	2,236,000		14,000		—		2,250,000

	$	328,693,000	$	155,000	$	(54,168,000)	$	274,680,000
Securities to be held to maturity
U.S. Treasury & Agency securities	$	38,100,000	$	—	$	(9,938,000)	$	28,162,000
Mortgage-backed securities	52,370,000		15,000		(11,360,000)		41,025,000
State and political subdivisions	252,180,000		83,000		(31,739,000)		220,524,000

Corporate securities	27,250,000		—		(1,968,000)		25,282,000
	$	369,900,000	$	98,000	$	(55,005,000)	$	314,993,000
Less allowance for credit losses	(196,000)		—		—		—
Net securities to be held to maturity	$	369,704,000	$	98,000	$	(55,005,000)	$	314,993,000
Restricted equity securities
Federal Home Loan Bank Stock	$	6,166,000	$	—	$	—	$	6,166,000
Federal Reserve Bank Stock	1,037,000		—		—		1,037,000
	$	7,203,000	$	—	$	—	$	7,203,000

10The following table summarizes the amortized cost and estimated fair value of investment securities at September 30, 2024:

The following table summarizes the amortized cost and estimated fair value of investment securities at June 30, 2024:


	Amortized Cost		Unrealized Gains		Unrealized Losses		Fair Value (Estimated)
Securities available for sale
U.S. Treasury & Agency securities	$	26,040,000	$	—	$	(5,305,000)	$	20,735,000
Mortgage-backed securities	259,979,000		438,000		(33,043,000)		227,374,000
State and political subdivisions	40,254,000		42,000		(5,688,000)		34,608,000
Asset-backed securities	2,285,000		19,000		—		2,304,000

	$	328,558,000	$	499,000	$	(44,036,000)	$	285,021,000
Securities to be held to maturity
U.S. Treasury & Agency securities	$	38,100,000	$	—	$	(8,371,000)	$	29,729,000
Mortgage-backed securities	53,373,000		103,000		(9,378,000)		44,098,000
State and political subdivisions	252,636,000		267,000		(24,669,000)		228,234,000
Corporate securities	33,750,000		—		(2,236,000)		31,514,000
	$	377,859,000	$	370,000	$	(44,654,000)	$	333,575,000
Less allowance for credit losses	(224,000)		—		—		—
Net securities to be held to maturity	$	377,635,000	$	370,000	$	(44,654,000)	$	333,575,000
Restricted equity securities
Federal Home Loan Bank Stock	$	5,383,000	$	—	$	—	$	5,383,000
Federal Reserve Bank Stock	1,037,000		—		—		1,037,000
	$	6,420,000	$	—	$	—	$	6,420,000

	AmortizedCost		Unrealized Gains		Unrealized Losses		Fair Value (Estimated)
Securities available for sale
U.S. Treasury & Agency securities	$	26,038,000	$	—	$	(6,260,000)	$	19,778,000
Mortgage-backed securities	259,574,000		50,000		(41,801,000)		217,823,000
State and political subdivisions	40,272,000		—		(6,902,000)		33,370,000
Asset-backed securities	2,514,000		19,000		(3,000)		2,530,000
	$	328,398,000	$	69,000	$	(54,966,000)	$	273,501,000
Securities to be held to maturity
U.S. Treasury & Agency securities	$	38,100,000	$	—	$	(10,063,000)	$	28,037,000
Mortgage-backed securities	54,501,000		11,000		(11,352,000)		43,160,000
State and political subdivisions	252,820,000		105,000		(32,268,000)		220,657,000
Corporate securities	32,250,000		—		(2,488,000)		29,762,000
	$	377,671,000	$	116,000	$	(56,171,000)	$	321,616,000
Less allowance for credit losses	(149,000)		—		—		—
Net securities to be held to maturity	$	377,522,000	$	116,000	$	(56,171,000)	$	321,616,000
Restricted equity securities
Federal Home Loan Bank Stock	$	6,073,000	$	—	$	—	$	6,073,000
Federal Reserve Bank Stock	1,037,000		—		—		1,037,000
	$	7,110,000	$	—	$	—	$	7,110,000

Allowance for Credit Losses: AFS securities, as shown in the above tables, consist of securities issued by U.S. Government Agencies, U.S. Government Sponsored Entities, State or Local Municipal Governments, or are backed by collateral that is guaranteed by the U.S. Government. We monitor the credit quality of these investments through credit ratings issued by major rating providers and through substantial price changes not consistent with general market movements. Each of the AFS securities is deemed to be investment grade, and no ACL has been established for AFS securities.

Similarly, the agency and mortgage-backed securities in the HTM portfolio have been determined to all be investment grade with no ACL required. Municipal securities within HTM include two private activity bonds issued by well-known customers of the Bank with total balances of $18,690,000 as of June 30, 2025. Corporate securities in HTM consist of 14 individual companies in the banking industry. Management reviewed the collectability of these securities taking into consideration such factors as the financial condition of the issuers, reported regulatory capital ratios of the issuers, and other performance factors. Aggregate credit risk of the private activity bonds and corporate securities is considered very low and an immaterial ACL has been established. As of June 30, 2025 and 2024, and December 31, 2024, the total ACL for HTM securities was $198,000, $149,000 and $196,000, respectively.

Changes in the ACL are recorded as credit loss expense, or reversal. Losses would be charged against the allowance when management believes collection of the full contractual amount due on a security is unlikely.

Contractual Maturities: The following table summarizes the contractual maturities of investment securities at June 30, 2025:

	Securities available for sale				Securities to be held to maturity
	AmortizedCost		Fair Value (Estimated)		AmortizedCost		Fair Value (Estimated)
Due in 1 year or less	$	1,520,000	$	1,514,000	$	3,449,000	$	3,451,000
Due in 1 to 5 years	1,144,000		1,032,000		25,972,000		24,904,000
Due in 5 to 10 years	28,577,000		25,480,000		107,248,000		99,952,000
Due after 10 years	294,140,000		250,222,000		231,402,000		184,201,000
	$	325,381,000	$	278,248,000	$	368,071,000	$	312,508,000

Similarly, the agency and mortgage-backed securities in the HTM portfolio have been determined to all be investment grade with no ACL required. Municipal securities within HTM include two private activity bonds issued by well-known customers of the Bank with total balances of $18,536,000 as of September 30, 2025. Corporate securities in HTM consist of 14 individual companies in the banking industry. Management reviewed the collectability of these securities taking into consideration such factors as the financial condition of the issuers, reported regulatory capital ratios of the issuers, and other performance factors. Aggregate credit risk of the private activity bonds and corporate securities is considered very low and an immaterial ACL has been established. As of September 30, 2025 and 2024, and December 31, 2024, the total ACL for HTM securities was $186,000, $224,000 and $196,000, respectively.

Changes in the ACL are recorded as credit loss expense, or reduction. Losses would be charged against the allowance when management believes collection of the full contractual amount due on a security is unlikely.

Contractual Maturities: The following table summarizes the contractual maturities of investment securities at September 30, 2025:


	Securities available for sale				Securities to be held to maturity
	Amortized Cost		Fair Value (Estimated)		Amortized Cost		Fair Value (Estimated)
Due in 1 year or less	$	11,000	$	11,000	$	1,635,000	$	1,632,000
Due in 1 to 5 years	4,637,000		4,099,000		27,355,000		26,510,000
Due in 5 to 10 years	24,741,000		22,511,000		105,095,000		100,439,000
Due after 10 years	286,537,000		246,872,000		228,653,000		187,993,000

	$	315,926,000	$	273,493,000	$	362,738,000	$	316,574,000

The following table summarizes the contractual maturities of investment securities at December 31, 2024:


	Securities available for sale				Securities to be held to maturity
	Amortized Cost		Fair Value (Estimated)		Amortized Cost		Fair Value (Estimated)
Due in 1 year or less	$	2,997,000	$	2,967,000	$	2,683,000	$	2,694,000
Due in 1 to 5 years	294,000		293,000		20,488,000		19,335,000
Due in 5 to 10 years	29,768,000		25,700,000		99,505,000		92,362,000
Due after 10 years	295,634,000		245,720,000		247,224,000		200,602,000

	$	328,693,000	$	274,680,000	$	369,900,000	$	314,993,000

The following table summarizes the contractual maturities of investment securities at ~~June~~September 30, 2024:

Securities available for sale

Securities to be held to maturity

AmortizedCost

Fair Value (Estimated)

AmortizedCost

Fair Value (Estimated)

Due in 1 year or less

12,~~497~~995,000

12,~~464~~949,000

~~322~~2,342,000

~~321~~2,371,000

Due in 1 to 5 years

1403,~~940,~~000

1402,~~887,~~000

20,~~181~~079,000

19,~~361~~573,000

Due in 5 to 10 years

28,~~319~~275,000

2425,~~353~~251,000

~~101~~103,~~723~~834,000

9398,~~597~~349,000

Due after 10 years

296,~~642~~885,000

~~245~~256,~~797~~419,000

~~255~~251,~~445~~604,000

~~208~~213,~~337~~282,000

328,~~398~~558,000

~~273~~285,~~501~~021,000

377,~~671~~859,000

~~321~~333,~~616~~575,000

Pledged Securities: At June 30, 2025, securities with a carrying value of $347,745,000 were pledged to secure public deposits, repurchase agreements, and for other purposes as required by law. This compares to securities with a carrying value of $349,833,000 as of December 31, 2024 and $310,931,000 at June 30, 2024, pledged for the same purposes.

Realized Gains and Losses: Gains and losses on the sale of securities are computed by subtracting the amortized cost at the time of sale from the security's selling price, net of accrued interest to be received. There were no gains or losses on the sale of securities for the six months ended June 30, 2025 and 2024.

Unrealized Gains and Losses on AFS Securities: As of June 30, 2025, there were 235 AFS securities with unrealized losses held in the Company's portfolio. The Company has the ability and intent to hold its securities which are in an unrealized loss position until a recovery of their amortized cost, which may be at maturity.

The following table summarizes AFS debt securities in an unrealized loss position for which an ACL has not been recorded at June 30, 2025, aggregated by major security type and length of time in a continuous unrealized loss position:

	Less than 12 months				12 months or more				Total
	Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses
U.S. Treasury & Agency securities	$	—	$	—	$	19,034,000	$	(5,510,000)	$	19,034,000	$	(5,510,000)
Mortgage-backed securities	5,994,000		(91,000)		182,167,000		(34,613,000)		188,161,000		(34,704,000)
State and political subdivisions	4,791,000		(241,000)		27,716,000		(7,159,000)		32,507,000		(7,400,000)
Asset-backed securities	1,151,000		(16,000)		—		—		1,151,000		(16,000)
	$	11,936,000	$	(348,000)	$	228,917,000	$	(47,282,000)	$	240,853,000	$	(47,630,000)

Pledged Securities: At September 30, 2025, securities with a carrying value of $365,383,000 were pledged to secure public deposits, repurchase agreements, and for other purposes as required by law. This compares to securities with a carrying value of $349,833,000 as of December 31, 2024 and $344,261,000 at September 30, 2024, pledged for the same purposes.

Unrealized Gains and Losses on AFS Securities: As of September 30, 2025, there were 233 AFS securities with unrealized losses held in the Company's portfolio. The Company has the ability and intent to hold its securities which are in an unrealized loss position until a recovery of their amortized cost, which may be at maturity.

The following table summarizes AFS debt securities in an unrealized loss position for which an ACL has not been recorded at September 30, 2025, aggregated by major security type and length of time in a continuous unrealized loss position:


	Less than 12 months				12 months or more				Total
	Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses
U.S. Treasury & Agency securities	$	—	$	—	$	17,882,000	$	(5,163,000)	$	17,882,000	$	(5,163,000)
Mortgage-backed securities	1,776,000		(10,000)		183,340,000		(31,741,000)		185,116,000		(31,751,000)
State and political subdivisions	2,276,000		(23,000)		31,706,000		(5,886,000)		33,982,000		(5,909,000)
Asset-backed securities	1,109,000		(31,000)		—		—		1,109,000		(31,000)

	$	5,161,000	$	(64,000)	$	232,928,000	$	(42,790,000)	$	238,089,000	$	(42,854,000)

As of December 31, 2024, there were 243 AFS securities with unrealized losses held in the Company's portfolio. The Company has the ability and intent to hold its securities which are in an unrealized loss position until a recovery of their amortized cost, which may be at maturity.

The following table summarizes AFS debt securities in an unrealized loss position for which an ACL has not been recorded at December 31, 2024 aggregated by major security type and length of time in a continuous unrealized loss position:


	Less than 12 months				12 months or more				Total
	Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses
U.S. Treasury & Agency securities	$	—	$	—	$	19,796,000	$	(6,246,000)	$	19,796,000	$	(6,246,000)
Mortgage-backed securities	18,544,000		(222,000)		186,155,000		(40,804,000)		204,699,000		(41,026,000)
State and political subdivisions	4,968,000		(70,000)		28,104,000		(6,826,000)		33,072,000		(6,896,000)


	$	23,512,000	$	(292,000)	$	234,055,000	$	(53,876,000)	$	257,567,000	$	(54,168,000)

As of ~~June~~September 30, 2024, there were ~~238~~226 AFS securities with unrealized losses held in the Company's portfolio. The Company has the ability and intent to hold its securities which are in an unrealized loss position until a recovery of their amortized cost, which may be at maturity.

The following table summarizes AFS debt securities in an unrealized loss position for which an ACL has not been recorded at ~~June~~September 30, 2024 aggregated by major security type and length of time in a continuous unrealized loss position:

	Less than 12 months				12 months or more				Total
	Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses		Fair Value (Estimated)		Unrealized Losses
U.S. Treasury & Agency securities	$	—	$	—	$	1920,~~778~~735,000	$	(65,~~260~~305,000)	$	1920,~~778~~735,000	$	(65,~~260~~305,000)
Mortgage-backed securities	84,~~451~~762,000		(43,000)		~~197~~199,~~155~~001,000		(4133,~~758~~000,000)		~~205~~203,~~606~~763,000		(4133,~~801~~043,000)
State and political subdivisions	~~4,484,000~~—		~~(62,000)~~—		2829,~~616~~256,000		(65,~~840~~688,000)		3329,~~100~~256,000		(65,~~902~~688,000)
Asset-backed securities	1,300,000		(3,000)		—		—		1,300,000		(3,000)
	$	4,762,000	$	(43,000)	$	248,992,000	$	(43,993,000)	$	253,754,000	$	(44,036,000)
	$	14,235,000	$	(108,000)	$	245,549,000	$	(54,858,000)	$	259,784,000	$	(54,966,000)

Credit Quality Indicators: Agency-backed and government-sponsored enterprise securities have a long history with no credit losses, including during times of severe stress. The principal and interest payments on agency-guaranteed debt is backed by the U.S. Government. Government-sponsored enterprises similarly guarantee principal and interest payments and carry an implicit guarantee from the U.S. Department of the Treasury. Additionally, government-sponsored enterprise securities are exceptionally liquid, readily marketable, and provide a substantial amount of price transparency and price parity, indicating a perception of zero credit losses. HTM municipal debt holdings are comprised primarily of high credit quality (rated A- or higher) state and municipal obligations. High credit quality state and municipal obligations have a history of zero to near-zero credit loss. All of the Mortgage-backed securities owned were issued either by GNMA, FNMA or FHLMC. HTM municipal debt holdings also include two unrated private activity bonds issued by well known customers of the Bank. These securities are regularly monitored as part of an overall credit relationship with the issuers; both issuers were in good standing as of June 30, 2025. HTM corporate debt holdings consist of 14 individual companies in the banking industry. Management conducts periodic reviews of the collectability of these securities taking into consideration such factors as the financial condition of the issuers; each issuer was in good standing as of June 30, 2025.

~~ACL~~Credit ~~for~~Quality ~~HTM Securities~~Indicators: Agency-backed and government-sponsored enterprise securities have a long history with no credit losses, including during times of severe stress. The ~~following~~principal ~~tables~~and ~~present~~interest payments on agency-guaranteed debt is backed by the ~~activity~~U.S. inGovernment. Government-sponsored enterprises similarly guarantee principal and interest payments and carry an implicit guarantee from the ~~ACL~~U.S. ~~for~~Department of the Treasury. Additionally, government-sponsored enterprise securities are exceptionally liquid, readily marketable, and provide a substantial amount of price transparency and price parity, indicating a perception of zero credit losses. HTM municipal debt holdings are comprised primarily of high credit quality (rated A- or higher) state and municipal obligations. High credit quality state and municipal obligations have a history of zero to near-zero credit loss. All of the Mortgage-backed securities owned were issued either by ~~major~~GNMA, ~~security~~FNMA ~~type~~or ~~for~~FHLMC. HTM municipal debt holdings also include two unrated private activity bonds issued by well known customers of the ~~six~~Bank. ~~months~~These ~~and~~securities ~~quarters~~are ~~ended~~regularly ~~June~~monitored as part of an overall credit relationship with the issuers; both issuers were in good standing as of September 30, 2025. ~~and~~HTM ~~2024:~~corporate debt holdings consist of 14 individual companies in the banking industry. Management conducts periodic reviews of the collectability of these securities taking into consideration such factors as the financial condition of the issuers; each issuer was in good standing as of September 30, 2025.

	For the six months ended June 30, 2025						For the six months ended June 30, 2024
	State and Political Subdivisions		Corporate Securities		Total		State and Political Subdivisions		Corporate Securities		Total
Allowance for credit losses:
Beginning balance	$	80,000	$	116,000	$	196,000	$	212,000	$	222,000	$	434,000
Credit loss (reduction) expense1	(1,000)		3,000		2,000		(156,000)		(129,000)		(285,000)
Securities charged-off	—		—		—		—		—		—
Recoveries	—		—		—		—		—		—
Total ending allowance balance	$	79,000	$	119,000	$	198,000	$	56,000	$	93,000	$	149,000

ACL for HTM Securities: The following tables present the activity in the ACL for HTM debt securities by major security type for the nine months and quarters ended September 30, 2025 and 2024:

1June 30, 2024 total of (285,000) will not tie to Consolidated Statement of Income Credit loss reduction - debt securities HTM due to rounding.


	For the nine months ended
	September 30, 2025						September 30, 2024
	State and Political Subdivisions		Corporate Securities		Total		State and Political Subdivisions		Corporate Securities		Total
Allowance for credit losses:
Beginning balance	$	80,000	$	116,000	$	196,000	$	212,000	$	222,000	$	434,000
Credit loss (reduction) expense	(3,000)		(7,000)		(10,000)		(126,000)		(84,000)		(210,000)
Securities charged-off	—		—		—		—		—		—
Recoveries	—		—		—		—		—		—
Total ending allowance balance	$	77,000	$	109,000	$	186,000	$	86,000	$	138,000	$	224,000

	For the three months ended June 30, 2025						For the three months ended June 30, 2024
	For the three months ended
	September 30, 2025						September 30, 2024
	State and Political Subdivisions		Corporate Securities		Total		State and Political Subdivisions		Corporate Securities		Total
Allowance for credit losses:
Beginning balance	$	8179,000	$	~~116~~119,000	$	~~197~~198,000	$	6956,000	$	~~113~~93,000	$	~~182~~149,000
Credit loss (reduction) expense1	(2,000)		3(10,000)		1(12,000)		~~(13~~30,000)		~~(20~~45,000)		~~(33~~75,000)
Securities charged-off	—		—		—		—		—		—
Recoveries	—		—		—		—		—		—
Total ending allowance balance	$	7977,000	$	~~119~~109,000	$	~~198~~186,000	$	5686,000	$	93138,000	$	~~149~~224,000

~~1June~~1September 30, 2024 total of ~~(33~~$75,000) will not tie to Consolidated Statement of Income Credit loss reduction - debt securities HTM due to rounding.

There was no ACL on U.S. Government-sponsored enterprise, agency securities, or mortgage-backed securities as of ~~June~~September 30, 2025. A security is considered to be past due once it is 30 days contractually past due under the terms of the agreement. As of ~~June~~September 30, 2025, none of the Company’s HTM debt securities were past due or on non-accrual status.

Re-Classified Securities: During the third quarter of 2014, the Company transferred securities with a total amortized cost of $89,780,000 with a corresponding fair value of $89,757,000 from available for sale to held to maturity. The net unrealized loss, net of taxes, on these securities at the date of the transfer was $15,000. The net unrealized holding loss at the time of transfer continues to be reported in AOCI, net of tax and is amortized over the remaining lives of the securities as an adjustment of the yield. The amortization of the net unrealized loss reported in AOCI will offset the effect on interest income of the discount for the transferred securities. The remaining unamortized balance of the net unrealized losses for the securities transferred from available for sale to held to maturity was $60,000, net of taxes, at June 30, 2025. This compares to $47,000 and $51,000, net of taxes, at December 31, 2024 and June 30, 2024, respectively. These securities were transferred as a part of the Company's overall investment and balance sheet strategies.

Restricted Equity Securities: The Bank is a member of the FHLBB, a cooperatively owned wholesale bank for housing and finance in the six New England States. As a requirement of membership in the FHLBB, the Bank must own a minimum required amount of FHLBB stock, calculated periodically based primarily on its level of borrowings from the FHLBB. The Bank uses the FHLBB for a portion of its wholesale funding needs. As of June 30, 2025 and 2024, and December 31, 2024, the Bank's investment in FHLBB stock totaled $6,697,000, $6,073,000 and $6,166,000, respectively. FHLBB stock is a non-marketable equity security and therefore is reported at cost, which equals par value.

The Bank is also a member of the FRBB. As a requirement for membership in the FRBB, the Bank must own a minimum required amount of FRBB stock. The Bank uses FRBB for certain correspondent banking services and maintains borrowing capacity at its discount window. The Bank's investment in FRBB stock totaled $1,037,000 at June 30, 2025 and 2024, and December 31, 2024.

The Company periodically evaluates its investment in FHLBB and FRBB stock for impairment based on, among other factors, the capital adequacy of the Banks and their overall financial condition. No impairment losses have been recorded through June 30, 2025. The Bank will continue to monitor its investment in these restricted equity securities.

of the discount for the transferred securities. The remaining unamortized balance of the net unrealized losses for the securities transferred from available for sale to held to maturity was $40,000, net of taxes, at September 30, 2025. This compares to $47,000 and $49,000, net of taxes, at December 31, 2024 and September 30, 2024, respectively. These securities were transferred as a part of the Company's overall investment and balance sheet strategies.

Restricted Equity Securities: The Bank is a member of the FHLBB, a cooperatively owned wholesale bank for housing and finance in the six New England States. As a requirement of membership in the FHLBB, the Bank must own a minimum required amount of FHLBB stock, calculated periodically based primarily on its level of borrowings from the FHLBB. The Bank uses the FHLBB for a portion of its wholesale funding needs. As of September 30, 2025 and 2024, and December 31, 2024, the Bank's investment in FHLBB stock totaled $5,879,000, $5,383,000 and $6,166,000, respectively. FHLBB stock is a non-marketable equity security and therefore is reported at cost, which equals par value.

The Company periodically evaluates its investment in FHLBB and FRBB stock for impairment based on, among other factors, the capital adequacy of the Banks and their overall financial condition. No impairment losses have been recorded through September 30, 2025. The Bank will continue to monitor its investment in these restricted equity securities.

Note 3 – Loans

The Company periodically reviews and updates the segmentation of its loan portfolio. Updates performed in conjunction with adoption of ASC 326 in 2023 consisted of reporting what had been a single class, commercial real estate loans, as three classes - commercial real estate owner occupied, commercial real estate non-owner occupied, and commercial multi-family. In addition home equity installment loans which had previously been included in the residential term class were included in the home equity revolving and term class. In the first quarter of 2024, a new segment was established for Agriculture loans, and there have been no subsequent segmentation changes.

Loan Portfolio by Class: The following table shows the composition of the Company's loan portfolio by class of financing receivable as of ~~June~~September 30, 2025 and 2024 and at December 31, 2024:

	June 30, 2025				December 31, 2024				June 30, 2024
	September 30, 2025				December 31, 2024				September 30, 2024
Commercial
Real estate owner occupied	$	~~371~~375,~~332~~263,000	15.56	%	$	358,588,000	15.3	%	$	~~341~~348,~~043~~287,000	15.1	%
Real estate non-owner occupied	~~424~~414,~~610~~481,000		17.73	%	403,899,000		17.3	%	~~406~~408,~~480~~361,000		1817.17	%
Construction	5351,~~077~~753,000		2.21	%	99,717,000		4.3	%	9887,~~726~~992,000		43.48	%
C&I	~~381~~376,~~434~~911,000		1615.07	%	365,817,000		15.6	%	~~330~~368,~~542~~415,000		1416.70	%
Multifamily	136,~~951~~515,000		5.7	%	108,732,000		4.6	%	~~105~~110,~~704~~472,000		4.78	%
Agriculture	5255,~~931~~489,000		2.23	%	52,219,000		2.2	%	4851,~~748~~274,000		2.2	%
Municipal	6268,~~924~~593,000		2.69	%	61,827,000		2.6	%	62,~~105~~944,000		2.87	%
Residential
Term	~~724~~730,~~330~~624,000		30.35	%	710,807,000		30.4	%	~~686~~698,~~006~~068,000		30.52	%
Construction	3132,~~579~~779,000		1.34	%	35,481,000		1.5	%	3534,~~574~~628,000		1.65	%
Home Equity
Revolving and term	~~134~~137,~~280~~018,000		5.67	%	123,063,000		5.3	%	~~112~~117,~~228~~028,000		5.01	%
Consumer	2019,~~559~~084,000		0.98	%	20,790,000		0.9	%	2019,~~514~~784,000		0.9	%
Total	$	2,~~394~~398,~~007~~510,000	100.0	%	$	2,340,940,000	100.0	%	$	2,~~247~~307,~~670~~253,000	100.0	%

Loan balances include net deferred loan costs of $12,~~821~~837,000 as of ~~June~~September 30, 2025, $12,457,000 as of December 31, 2024, and $12,~~130~~266,000 as of ~~June~~September 30, 2024. Net deferred loan costs have increased from a year ago and year-to-date based upon loan origination unit volume over the periods, prepayments, and normal repayment activity. Loan balances in the Residential Term segment also include a valuation adjustment for fair value swaps hedged by certain loans in the portfolio. This adjustment added $1958,~~003~~000, $758,000 and $~~758~~2,462,000 to the loan balances as of ~~June~~ September 30, 2025, ~~and~~ December 31, 2024 and September 30, ~~respectively~~2024, ~~and~~respectively. ~~subtracted~~Also ~~$68,000~~included ~~from~~in ~~the~~Residential term loan balances asis ofa ~~June 30,~~valuation ~~2024.~~ adjustment for the

Pledged Loans: Pursuant to collateral agreements, qualifying first mortgage loans and commercial real estate loans, which totaled $603,943,000 at June 30, 2025, were used to collateralize borrowings from the FHLBB. This compares to qualifying loans which totaled $626,851,000 at December 31, 2024, and $624,058,000 at June 30, 2024. In addition, commercial, residential construction and home equity loans totaling $384,083,000 at June 30, 2025, $392,562,000 at December 31, 2024, and $353,650,000 at June 30, 2024, were used to collateralize a standby line of credit at the FRBB.

~~Past~~market ~~Due~~value ~~Loans: For~~of ~~all~~caps ~~loan~~which ~~classes~~added $370,000 ~~loans~~to ~~over~~loan 30balances ~~days~~as ~~past~~of ~~due~~September 30, ~~are considered delinquent~~2025. ~~Information~~There onwas ~~the~~no ~~past-due~~market ~~status~~value of ~~loans~~caps byadjustment ~~class~~as of ~~financing~~December 31, ~~receivable~~2024 asand ~~of June~~September 30, ~~2025, is presented in the following table:~~2024.

	30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due		AllPast Due		Current		Total		90+ Days& Accruing
Commercial
Real estate owner occupied	$	395,000	$	—	$	—	$	395,000	$	370,937,000	$	371,332,000	$	—
Real estate non-owner occupied	—		—		—		—		424,610,000		424,610,000		—
Construction	—		—		—		—		53,077,000		53,077,000		—
C&I	480,000		14,000		710,000		1,204,000		380,230,000		381,434,000		—
Multifamily	—		—		—		—		136,951,000		136,951,000		—
Agriculture	—		—		—		—		52,931,000		52,931,000		—
Municipal	—		—		—		—		62,924,000		62,924,000		—
Residential
Term	309,000		822,000		1,307,000		2,438,000		721,892,000		724,330,000		341,000
Construction	—		—		—		—		31,579,000		31,579,000		—
Home equity
Revolving and term	494,000		262,000		126,000		882,000		133,398,000		134,280,000		—
Consumer	302,000		139,000		205,000		646,000		19,913,000		20,559,000		116,000
Total	$	1,980,000	$	1,237,000	$	2,348,000	$	5,565,000	$	2,388,442,000	$	2,394,007,000	$	457,000

Pledged Loans: Pursuant to collateral agreements, qualifying first mortgage loans and commercial real estate loans, which totaled $663,439,000 at September 30, 2025, were used to collateralize borrowings from the FHLBB. This compares to qualifying loans which totaled $626,851,000 at December 31, 2024, and $622,370,000 at September 30, 2024. In addition, commercial, residential construction and home equity loans totaling $376,592,000 at September 30, 2025, $392,562,000 at December 31, 2024, and $364,068,000 at September 30, 2024, were used to collateralize a standby line of credit at the FRBB.

Past Due Loans: For all loan classes, loans over 30 days past due are considered delinquent. Information on the past-due status of loans by class of financing receivable as of September 30, 2025, is presented in the following table:


	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		All Past Due		Current		Total		90+ Days & Accruing
Commercial
Real estate owner occupied	$	660,000	$	183,000	$	3,361,000	$	4,204,000	$	371,059,000	$	375,263,000	$	—
Real estate non-owner occupied	1,285,000		—		—		1,285,000		413,196,000		414,481,000		—
Construction	—		—		—		—		51,753,000		51,753,000		—
C&I	412,000		264,000		779,000		1,455,000		375,456,000		376,911,000		—
Multifamily	2,626,000		—		—		2,626,000		133,889,000		136,515,000		—
Agriculture	94,000		—		118,000		212,000		55,277,000		55,489,000		—
Municipal	—		—		—		—		68,593,000		68,593,000		—
Residential
Term	649,000		1,349,000		2,591,000		4,589,000		726,035,000		730,624,000		1,428,000
Construction	—		—		—		—		32,779,000		32,779,000		—
Home equity
Revolving and term	1,310,000		372,000		212,000		1,894,000		135,124,000		137,018,000		—
Consumer	185,000		97,000		74,000		356,000		18,728,000		19,084,000		74,000
Total	$	7,221,000	$	2,265,000	$	7,135,000	$	16,621,000	$	2,381,889,000	$	2,398,510,000	$	1,502,000

Information on the past-due status of loans by class of financing receivable as of December 31, 2024, is presented in the following table:


	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		All Past Due		Current		Total		90+ Days & Accruing
Commercial
Real estate owner occupied	$	—	$	257,000	$	292,000	$	549,000	$	358,039,000	$	358,588,000	$	—
Real estate non-owner occupied	—		—		—		—		403,899,000		403,899,000		—
Construction	—		—		—		—		99,717,000		99,717,000		—
C&I	346,000		1,112,000		540,000		1,998,000		363,819,000		365,817,000		10,000
Multifamily	—		—		—		—		108,732,000		108,732,000		—
Agriculture	115,000		—		—		115,000		52,104,000		52,219,000		—
Municipal	—		—		—		—		61,827,000		61,827,000		—
Residential
Term	137,000		2,614,000		935,000		3,686,000		707,121,000		710,807,000		778,000
Construction	390,000		—		—		390,000		35,091,000		35,481,000		—
Home equity
Revolving and term	1,074,000		368,000		94,000		1,536,000		121,527,000		123,063,000		—
Consumer	592,000		285,000		232,000		1,109,000		19,681,000		20,790,000		232,000
Total	$	2,654,000	$	4,636,000	$	2,093,000	$	9,383,000	$	2,331,557,000	$	2,340,940,000	$	1,020,000

Information on the past-due status of loans by class of financing receivable as of ~~June~~September 30, 2024, is presented in the following table:

	30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due		AllPast Due		Current		Total		90+ Days& Accruing
Commercial
Real estate owner occupied	$	~~503,000~~—	$	64,000	$	~~383~~98,000	$	~~950~~162,000	$	~~340~~348,~~093~~125,000	$	~~341~~348,~~043~~287,000	$	—
Real estate non-owner occupied	—		—		—		—		~~406~~408,~~480~~361,000		~~406~~408,~~480~~361,000		—
Construction	—		—		—		—		9887,~~726~~992,000		9887,~~726~~992,000		—
C&I	~~585~~318,000		—708,000		3744,000		~~622~~1,070,000		~~329~~367,~~920~~345,000		~~330~~368,~~542~~415,000		~~19,000~~—
Multifamily	—		—		—		—		~~105~~110,~~704~~472,000		~~105~~110,~~704~~472,000		—
Agriculture	—210,000		—		—		—210,000		4851,~~748~~064,000		4851,~~748~~274,000		—
Municipal	—		—		—		—		62,~~105~~944,000		62,~~105~~944,000		—
Residential
Term	~~110~~70,000		~~232~~166,000		~~446~~500,000		~~788~~736,000		~~685~~697,~~218~~332,000		~~686~~698,~~006~~068,000		48144,000
Construction	—		—		—		—		3534,~~574~~628,000		3534,~~574~~628,000		—
Home equity
Revolving and term	~~553~~508,000		~~127,000~~—		674,000		~~747~~512,000		~~111~~116,~~481~~516,000		~~112~~117,~~228~~028,000		—
Consumer	~~147~~343,000		4413,000		20261,000		~~211~~617,000		2019,~~303~~167,000		2019,~~514~~784,000		20261,000
Total	$	1,~~898~~449,000	$	~~467~~951,000	$	~~953~~907,000	$	3,~~318~~307,000	$	2,~~244~~303,~~352~~946,000	$	2,~~247~~307,~~670~~253,000	$	87405,000

Non-Accrual Loans: For all classes, loans are placed on non-accrual status when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement or when principal and interest is 90 days or more past due unless the loan is both well secured and in the process of collection (in which case the loan may continue to accrue interest in spite of its past due status). A loan is "well secured" if it is secured (1) by collateral in the form of liens on or pledges of real or personal property, including securities, that have a realizable value sufficient to discharge the debt (including accrued interest) in full, or (2) by the guarantee of a financially responsible party. A loan is "in the process of collection" if collection of the loan is proceeding in due course either (1) through legal action, including judgment enforcement procedures, or, (2) in appropriate circumstances, through collection efforts not involving legal action which are reasonably expected to result in repayment of the debt or in its restoration to a current status in the near future.

Cash payments received on non-accrual loans are applied to reduce the loan's principal balance until the remaining principal balance is deemed collectible, after which interest is recognized when collected. As a general rule, a loan may be restored to accrual status when payments are current for a substantial period of time, generally six months, and repayment of the remaining contractual amounts is expected, or when it otherwise becomes well secured and in the process of collection.

The following table presents the amortized cost basis of loans on non-accrual status as of ~~June~~September 30, 2025, December 31, 2024 and ~~June~~September 30, 2024:

	June 30, 2025						December 31, 2024						June 30, 2024
	September 30, 2025						December 31, 2024						September 30, 2024
	Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total Non-accrual		Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total Non-accrual		Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total Non-accrual
Commercial
Real estate owner occupied	$	—	$	~~522~~3,891,000	$	~~522~~3,891,000	$	—	$	553,000	$	553,000	$	—	$	~~383~~367,000	$	~~383~~367,000
Real estate non-owner occupied	—		61,000		61,000		—		61,000		61,000		—		—		—
Construction	—		179,000		179,000		—		18,000		18,000		—		19,000		19,000
C&I	~~326~~1,141,000		1580,~~249,~~000		1,~~575~~721,000		1,359,000		336,000		1,695,000		—		~~111~~129,000		~~111~~129,000
Multifamily	—		~~15,000~~—		~~15,000~~—		—		—		—		—		—		—
Agriculture	—		~~103~~187,000		~~103~~187,000		—		31,000		31,000		—		3231,000		3231,000
Municipal	—		—		—		—		—		—		—		—		—
Residential
Term	—		3,~~193~~110,000		3,~~193~~110,000		—		1,599,000		1,599,000		—		1,~~731~~686,000		1,~~731~~686,000
Construction	—		—		—		—		—		—		—		—		—
Home equity
Revolving and term	—		~~553~~610,000		~~553~~610,000		—		291,000		291,000		—		~~288~~265,000		~~288~~265,000
Consumer	—		—6,000		—6,000		—		—		—		—		—		—
Total	$	~~326~~1,141,000	$	58,~~713~~454,000	$	69,~~039~~595,000	$	1,359,000	$	2,889,000	$	4,248,000	$	—	$	2,~~564~~497,000	$	2,~~564~~497,000

Individually Analyzed Loans: IAL include loans with balances of $250,000 or more that have been placed into non-accrual or are loans identified by management as having characteristics that may impact ultimate collectibility and therefore merit individual analysis. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. If the measure of an IAL loan is lower than the recorded investment in the loan and estimated selling costs, a specific reserve is established for the difference, or, in certain situations, if the measure of an IAL loan is lower than the recorded investment in the loan and estimated selling costs, the difference is written off.

The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2025, December 31, 2024 and September 30, 2024, by collateral type:

The following table presents the amortized cost basis of collateral-dependent loans as of June 30, 2025, December 31, 2024 and June 30, 2024, by collateral type:


	September 30, 2025						December 31, 2024					September 30, 2024
	Collateral Type						Collateral Type					Collateral Type
	Commercial Real Estate		Residential Real Estate		Other			Commercial Real Estate		Residential Real Estate		Other		Commercial Real Estate		Residential Real Estate
Commercial
Real estate owner occupied	$	3,367,000	$	—	$	—		$	263,000	$	—	$	—	$	270,000	$	—
Real estate non-owner occupied	61,000		—		—			67,000		—		—		—		—
Construction	—		—		—			—		—		—		—		—
C&I	—		—		1,144,000			—		—		1,438,000		—		—
Multifamily	—		—		—			—		—		—		—		—
Agriculture	—		—		—			—		—		—		—		—
Municipal	—		—		—			—		—		—		—		—
Residential
Term	—		1,928,000		—			—		558,000		—		—		566,000
Construction	—		—		—			—		—		—		—		—
Home equity
Revolving and term	—		—		—			—		—		—		—		—
Consumer	—		—		—			—		—		—		—		—
Total	$	3,428,000	$	1,928,000	$	1,144,000		$	330,000	$	558,000	$	1,438,000	$	270,000	$	566,000

	June 30, 2025						December 31, 2024					June 30, 2024
	Collateral Type						Collateral Type					Collateral Type
	Commercial Real Estate		Residential Real Estate		Other			Commercial Real Estate		Residential Real Estate		Other		Commercial Real Estate		Residential Real Estate
Commercial
Real estate owner occupied	$	249,000	$	—	$	—		$	263,000	$	—	$	—	$	283,000	$	—
Real estate non-owner occupied	61,000		—		—			67,000		—		—		—		—
Construction	—		—		—			—		—		—		—		—
C&I	—		—		1,394,000			—		—		1,438,000		—		—
Multifamily	—		—		—			—		—		—		—		—
Agriculture	—		—		—			—		—		—		—		—
Municipal	—		—		—			—		—		—		—		—
Residential
Term	—		2,081,000		—			—		558,000		—		—		569,000
Construction	—		—		—			—		—		—		—		—
Home equity
Revolving and term	—		—		—			—		—		—		—		—
Consumer	—		—		—			—		—		—		—		—
Total	$	310,000	$	2,081,000	$	1,394,000		$	330,000	$	558,000	$	1,438,000	$	283,000	$	569,000

Loan Modifications to Borrowers Experiencing Financial Difficulty: Loan modifications to borrowers experiencing financial difficulty may include interest rate reduction, term extension, payment deferral, principle forgiveness or a combination thereof. It is the intent to minimize future losses while providing borrowers with financial relief.

The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the three months ended ~~June~~September 30, 2025:

Amortized Cost Basis
	Payment Deferral		Term Extension		Rate Mod		~~Combination Payment Deferral and Term Extension~~		Combination Payment Deferral and ~~Rate~~Term ~~Mod~~Extension		~~Combination of Payment Deferral, Term & Rate Mod~~		~~% of Total Class of Financing Receivable~~		% of Total Class of Financing Receivable
Commercial
Real estate owner occupied	$	—704,000	$	—164,000	$	—	$	~~337,000~~	$	—	$	—	~~0.09~~	%	0.23	%
Real estate non-owner occupied	—115,000		—		—		—		~~61,000~~—		~~1,285,000~~		~~0.32~~	%	0.03	%
Construction	—		—		—		—		—		—		—	%	—	%
C&I	~~212~~335,000		—143,000		—		~~189,000~~		~~471,000~~—		—		~~0.23~~	%	0.13	%
Multifamily	—		—		4,034,000		—		—		—		—	%	2.95	%
Agriculture	~~179~~237,000		—		—		—		—		—		~~0.34~~	%	0.43	%
Municipal	—		—		—		—		—		—		—	%	—	%
Residential
Term	—		—		—		~~972,000~~		—428,000		~~357,000~~		~~0.18~~	%	0.06	%
Construction	—		—		—		—		—		—		—	%	—	%
Home Equity
Revolving and term	—		—		—		~~367,000~~		—		—		~~0.27~~	%	—	%
Consumer	—		—		—		—		—		—		—	%	—	%
Total	$	1,391,000	$	—307,000	$	4,034,000	$	~~1,865,000~~	$	~~532~~428,000	$	~~1,642,000~~

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended ~~June~~September 30, 2025:

			Payment Deferral
			Financial Effect
Commercial
C&I			Temporary payment accommodations, 5 yr balloon payment
Agriculture			Payments deferred for 6 months


			Payment Deferral
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation, payments deferred to end of loan.
Real estate non-owner occupied			Temporary payment accommodation, payments deferred to end of loan.

C&I			Temporary payment accommodation, payments deferred to end of loan.

Agriculture			Temporary payment accommodation, payments deferred to end of loan.

Combination Payment Deferral and Term Extension Financial Effect Commercial Real estate owner occupied Temporary payment accommodation, payments deferred to end of loan. C&I Temporary payment accommodation, payments deferred to end of loan. Residential Term Temporary payment accommodation, payments deferred to end of loan. Home Equity Revolving and term Temporary payment accommodation, payments deferred to end of loan.


			Term Extension
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation, extended term 4 months.
C&I			Temporary payment accommodation, extended term 6 months.

			Combination Payment Deferral and Rate Mod
			Rate Mod
			Financial Effect
Commercial
Real estate non-owner occupied			Payments deferred for 6 months; rate reduction to 2.0%
Multifamily			Rate reduction to 5.0%
C&I			Payments deferred for 6 months; rate reduction to 2.0%

			Combination of Payment Deferral, Term & Rate Mod
			Financial Effect
Commercial
Real estate non-owner occupied			Seasonal payments, 5 yr balloon; 60 month term, 120 month amort; WSJP 0.50%
Residential
Term			Seasonal payments, 3 yr balloon; 36 month term, 300 month amort; fixed rate


			Combination Payment Deferral and Term Extension
			Financial Effect






Residential
Term			Temporary payment accommodation, payments deferred to end of loan.

The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the ~~six~~nine months ended ~~June~~September 30, 2025:

Amortized Cost Basis
	Payment Deferral		Term Extension		Rate Mod		~~Combination Payment Deferral and Term Extension~~		Combination Payment Deferral and ~~Rate~~Term ~~Mod~~Extension		Combination of Payment Deferral, ~~Term~~and & Rate Mod		%Combination of ~~Total~~Payment ~~Class~~Deferral, ofTerm ~~Financing~~& ~~Receivable~~Rate Mod			% of Total Class of Financing Receivable
Commercial
Real estate owner occupied	$	~~156~~858,000	$	—164,000	$	—	$	~~337,000~~	$	—337,000	$	—	~~0.13~~$	—	%	0.36	%
Real estate non-owner occupied	—115,000		~~364,000~~—		—		—		~~61,000~~—		161,~~285,~~000		~~0.40~~1,285,000		%	0.35	%
Construction	—		—		—		—		—		—		—		%	—	%
C&I	~~285~~606,000		—144,000		—		~~189,000~~		~~471~~188,000		—467,000		~~0.25~~—		%	0.37	%
Multifamily	~~908~~902,000		—		4,034,000		—		—		—		~~0.66~~—		%	3.62	%
Agriculture	1,~~715~~952,000		—		—		—		—		—		~~3.24~~—		%	3.52	%
Municipal	—		—		—		—		—		—		—		%	—	%
Residential
Term	—		—		—		~~972,000~~		—632,000		~~357,000~~—		~~0.18~~357,000		%	0.14	%
Construction	—		—		—		—		—		—		—		%	—	%
Home Equity
Revolving and term	—		—		—		~~367,000~~		—367,000		—		~~0.27~~—		%	0.27	%
Consumer	—		—		—		—		—		—		—		%	—	%
Total	$	34,~~064~~433,000	$	~~364~~308,000	$	4,034,000	$	~~1,865,000~~	$	~~532~~1,524,000	$	1528,~~642,~~000	$	1,642,000

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the ~~six~~nine months ended ~~June~~September 30, 2025:

			Payment Deferral
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation - payments deferred to end of loan; 5 yr balloon payment
Real estate non-owner occupied			Temporary payment accommodation, payments deferred to end of loan.
C&I			Temporary payment accommodation, payments deferred to end of loan.
Multifamily			Temporary payment accommodation, payments deferred to end of loan.
Agriculture			Temporary payment accommodation - payments deferred to end of loan; payments deferred for 6 months

			Term Extension
			Financial Effect
Commercial
Real estate non-owner occupied			Temporary payment accommodation, extended term up to 6 months.
C&I			Temporary payment accommodation, extended term 6 months.


			Rate Mod
			Financial Effect
Commercial




Multifamily			Rate reduction to 5.0%



			Combination Payment Deferral and Term Extension
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation, payments deferred to end of loan.


C&I			Temporary payment accommodation, payments deferred to end of loan.


Residential
Term			Temporary payment accommodation, payments deferred to end of loan.
Home Equity
Revolving and term			Temporary payment accommodation, payments deferred to end of loan.


			Combination of Payment Deferral & Rate Mod
			Financial Effect
Commercial

Real estate non-owner occupied			Payments deferred for 6 months; rate reduction to 2.0%

C&I			Payments deferred for 6 months; rate reduction to 2.0%

			Combination of Payment Deferral, Term & Rate Mod
			Financial Effect
Commercial
Real estate non-owner occupied			Seasonal payments, 5 yr balloon; 60 month term, 120 month amort; WSJP 0.50%
Residential
Term			Seasonal payments, 3 yr balloon; 36 month term, 300 month amort; fixed rate


			Combination of Payment Deferral, Term & Rate Mod
			Financial Effect
Commercial

Real estate non-owner occupied			Seasonal payments, 5 yr balloon; 60 month term, 120 month amort; WSJP 0.50%


Residential
Term			Seasonal payments, 3 yr balloon; 36 month term, 300 month amort; fixed rate

Amortized Cost Basis
	Payment Deferral		Term Extension		Interest Rate Reduction		Principal Forgiveness		Combination Payment Deferral and Term Extension		% of Total Class of Financing Receivable
Commercial
Real estate owner occupied	$	635,000	$	—	$	—	$	—	$	—	0.19	%
Real estate non-owner occupied	—		—		—		—		—		—	%
Construction	—		—		—		—		—		—	%
C&I	177,000		—		—		—		170,000		0.11	%
Multifamily	—		—		—		—		—		—	%
Agriculture	—		—		—		—		—		—	%
Municipal	—		—		—		—		—		—	%
Residential
Term	—		—		—		—		—		—	%
Construction	—		—		—		—		—		—	%
Home Equity
Revolving and term	—		—		—		—		—		—	%
Consumer	—		—		—		—		—		—	%
Total	$	812,000	$	—	$	—	$	—	$	170,000

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended June 30, 2024:


Amortized Cost Basis
	Payment Deferral		Term Extension		Rate Mod		Principal Forgiveness		Combination Payment Deferral and Term Extension		% of Total Class of Financing Receivable
Commercial
Real estate owner occupied	$	—	$	—	$	—	$	—	$	—	—	%
Real estate non-owner occupied	—		—		—		—		—		—	%
Construction	—		—		—		—		—		—	%
C&I	—		—		—		—		55,000		0.01	%
Multifamily	—		—		—		—		—		—	%
Agriculture	—		—		—		—		—		—	%
Municipal	—		—		—		—		—		—	%
Residential
Term	—		—		—		—		—		—	%
Construction	—		—		—		—		—		—	%
Home Equity
Revolving and term	—		—		—		—		—		—	%
Consumer	—		—		—		—		—		—	%
Total	$	—	$	—	$	—	$	—	$	55,000

~~Payment~~The ~~Deferral~~following ~~Financial~~tables ~~Effect~~describe ~~Commercial~~the ~~Real~~financial ~~estate~~effect ~~owner~~of ~~occupied~~the ~~Temporary~~modifications ~~payment~~made ~~accommodation,~~to ~~payments~~borrowers ~~deferred~~experiencing tofinancial ~~end~~difficulty offor ~~loan.~~the ~~C&I~~three ~~Temporary~~months ~~payment~~ended ~~accommodation~~September 30, ~~payments deferred to end of loan.~~2024:

			Payment Deferral & Term Extension
			Payment Deferral
			Financial Effect
Commercial
C&I			Temporary payment accommodation, extended term 6090 days.

Amortized Cost Basis
	Payment Deferral		Term Extension		~~Interest~~ Rate ~~Reduction~~Mod		Principal Forgiveness		Combination Payment Deferral and Term Extension		% of Total Class of Financing Receivable
Commercial
Real estate owner occupied	$	635,000	$	—	$	—	$	—	$	—	0.1918	%
Real estate non-owner occupied	—		—		—		—		—		—	%
Construction	69,000		—		—		—		—		0.08	%
C&I	~~238~~175,000		—		—		—		~~170~~225,000		0.1311	%
Multifamily	1,932,000		—		—		—		—		1.9175	%
Agriculture	—		—		—		—		—		—	%
Municipal	—		—		—		—		—		—	%
Residential
Term	1,~~023~~020,000		—		—		—		—		0.15	%
Construction	—		—		—		—		—		—	%
Home Equity
Revolving and term	—		—		—		—		6968,000		0.0706	%
Consumer	—		—		—		—		—		—	%
Total	$	3,~~897~~831,000	$	—	$	—	$	—	$	~~239~~293,000	—	%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the ~~six~~nine months ended ~~June~~September 30, 2024:


			Payment Deferral
			Financial Effect
Commercial
Real estate owner occupied			Temporary payment accommodation, payments deferred to end of loan.

Construction			Temporary payment accommodation, payments deferred to end of loan.
C&I			Temporary payment accommodation, payments deferred to end of loan.
Multifamily			Temporary payment accommodation, payments deferred to end of loan.
Residential
Term			Temporary payment accommodation, payments deferred to end of loan.

			Payment Deferral & Term Extension
			Financial Effect
Commercial
C&I			Temporary payment accommodation, extended term 6090 days.
Home Equity
Revolving and Term			Temporary payment accommodation, extended term 60 days.

The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts loans that were modified during the previous 12 months as of ~~June~~September 30, 2025 which defaulted upon the modified terms within 12 months of the modification:

	Payment Status (Amortized Cost Basis)
	30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due
Commercial
C&I	$	—	$	—	$	—
Real estate owner occupied	$	257,000	$	—	$	—
Real Estate non-owner occupied	1,285,000		—		—
Construction	—		—		—
C&I	199,000		—		—
Multifamily	—		—		—
Agriculture	—		—		—
Residential
Term	~~125~~686,000		—		—
Total	$	125,000	$	—	$	—
Home Equity
Revolving and term	367,000		—		—
Consumer	—		—		—
Total	$	2,794,000	$	—	$	—

The following table depicts the performance of loans that have been modified during the previous 12 months as of ~~June~~September 30, 2025:

	Payment Status (Amortized Cost Basis)
	Current		30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due
Commercial
Real estate owner occupied	$	~~493~~1,102,000	$	—257,000	$	—	$	—
Real Estate non-owner occupied	1176,~~710,~~000		—1,285,000		—		—
Construction	—		—		—		—
C&I	1,~~010~~217,000		—199,000		—		—
Multifamily	~~908~~4,936,000		—		—		—
Agriculture	1,~~715~~952,000		—		—		—
Residential
Term	1548,~~452,~~000		—561,000		—		—
Home Equity
Revolving and term	~~367,000~~—		—367,000		—		—
Consumer	—		—		—		—
Total	$	79,~~655~~931,000	$	—2,669,000	$	—	$	—

The following table depicts loans that were modified during the previous 12 months as of June 30, 2024 which defaulted upon the modified terms within 12 months of the modification:

	Payment Status (Amortized Cost Basis)
	30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due
Commercial
Real estate owner occupied	$	504,000	$	—	$	283,000
C&I	60,000		205,000		—
Residential
Term	—		449,000		—
Consumer	—		—		13,000
Total	$	564,000	$	654,000	$	296,000

The following table depicts ~~the performance of~~ loans that ~~had~~were ~~been~~ modified during the ~~the~~ previous 12 months as of ~~June~~September 30, 2024 which defaulted upon the modified terms within 12 months of the modification:

	Payment Status (Amortized Cost Basis)
	Current		30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due
	30-59 DaysPast Due		60-89 DaysPast Due		90+ DaysPast Due
Commercial
Real estate owner occupied	$	~~635~~503,000	$	~~503,000~~—	$	—283,000	$	~~283,000~~
Construction	69,000		—		—		—
C&I	41,000		205,000		—
C&I	402,000		41,000		—		—
Residential
Multifamily	1,932,000		—		—		—
Term	—		449,000		—
Residential
Consumer	—		—		13,000
Term	1,023,000		—		—		—
Total	$	544,000	$	654,000	$	296,000
Home Equity
Revolving and term	70,000		—		—		—
Consumer	19,000		—		—		13,000
Total	$	4,150,000	$	544,000	$	—	$	296,000

~~Residential~~The ~~Mortgage~~following ~~Loans~~table indepicts ~~Process of Foreclosure: As of June 30, 2025, there were two mortgage loans collateralized by residential real estate in~~ the ~~process~~performance of ~~foreclosure with a total balance of $859,000. This compares to three mortgage~~ loans ~~collateralized~~that byhad ~~residential~~been ~~real~~modified ~~estate~~during in the ~~process of foreclosure with a total balance of $192,000 as of December 31, 2024, and two mortgage loans collateralized by residential real estate in~~ the ~~process~~previous of12 ~~foreclosure~~months ~~with a total balance of $127,000~~ as of ~~June~~September 30, 2024.:

Note 4. Allowance for Credit Losses


	Payment Status (Amortized Cost Basis)
	Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due
Commercial
Real estate owner occupied	$	903,000	$	—	$	—	$	—
Construction	69,000		—		—		—
C&I	230,000		—		205,000		—
Multifamily	1,932,000		—		—		—

Residential
Term	1,020,000		—		—		—
Home Equity
Revolving and term	68,000		—		—		—
Consumer	18,000		—		—		—
Total	$	4,240,000	$	—	$	205,000	$	—

~~The~~Loans ~~ACL~~in isProcess aof ~~valuation~~Foreclosure: As ~~amount~~of ~~that~~September 30, is2025, ~~deducted~~there ~~from~~were ~~the~~three ~~amortized~~mortgage ~~cost basis of~~ loans tocollateralized ~~present~~by ~~the~~residential ~~net~~real ~~amount~~estate ~~expected~~with toa betotal ~~collected~~balance onof ~~the loans. Loans~~$935,000 orand ~~portions~~one ~~thereof,~~home ~~are~~equity ~~charged~~line ~~off~~of ~~against~~credit ~~the~~collateralized ~~allowance~~by ~~when~~residential ~~they~~real ~~are~~estate ~~deemed~~with ~~uncollectible.~~a ~~The~~total ~~ACL~~balance ~~consists~~ of ~~three elements: (1) specific reserves for loans individually analyzed; (2) general reserves for each portfolio segment; and~~$63,000, ~~(3) qualitative reserves. All outstanding loans are considered~~ in ~~evaluating~~ the ~~appropriateness~~process of ~~the allowance~~foreclosure. ~~Loans~~This ~~are~~compares ~~segmented~~to bythree ~~common~~mortgage ~~risk~~loans ~~characteristics~~collateralized asby ~~delineated~~residential inreal ~~the~~estate ~~paragraph below. The Company provides for loan losses through the ACL which represents an estimated reserve for losses~~ in the ~~loan~~process ~~portfolio.~~of Toforeclosure ~~determine~~with ~~an appropriate level for general reserves,~~ a ~~discounted~~total ~~cash~~balance ~~flow approach is applied to each portfolio segment implementing a probability~~ of ~~default~~$192,000 ~~and~~as ~~loss given default estimate based upon a number~~ of ~~factors~~December ~~including historical losses over an economic cycle~~31, ~~economic forecasts~~2024, ~~loan prepayment speeds~~ and ~~curtailment~~two ~~rates.~~mortgage Toloans ~~determine~~collateralized anby ~~appropriate~~residential ~~level~~real ~~for~~estate ~~qualitative~~in ~~reserves,~~the ~~various~~process ~~factors~~of ~~are~~foreclosure ~~considered~~with ~~including~~a ~~underwriting~~total ~~policies,~~balance ~~credit~~of ~~administration practices~~$127,000 ~~experience,~~as ~~ability and depth~~ of ~~lending management~~September 30, ~~and economic factors not captured in the general reserve calculation~~2024.

Note 4 – Allowance for Credit Losses

The ACL is a valuation amount that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. The ACL consists of three elements: (1) specific reserves for loans individually analyzed; (2) general reserves for each portfolio segment; and, (3) qualitative reserves. All outstanding loans are considered in evaluating the appropriateness of the allowance. Loans are segmented by common risk characteristics as delineated in the paragraph below. The Company provides for loan losses through the ACL which represents an estimated reserve for losses in the loan portfolio. To determine an appropriate level for general reserves, a discounted cash flow approach is applied to each portfolio segment implementing a probability of default and loss given default estimate based upon a number of factors including historical losses over an economic cycle, economic forecasts, loan prepayment speeds and curtailment rates. To determine an appropriate level for

qualitative reserves, various factors are considered including underwriting policies, credit administration practices, experience, ability and depth of lending management, and economic factors not captured in the general reserve calculation.

Loan Portfolio Composition & Risk Characteristics: The loan portfolio is segmented into eleven classes and credit risk is evaluated separately in each class. Major risk characteristics relevant to each portfolio segment are as follows:

Commercial Real Estate Owner Occupied - commercial real estate owner occupied loans consist of mortgage loans to finance investments in real property such as retail space, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties. Loans are typically written with amortizing payment structures. Collateral values are determined based on appraisals and evaluations in accordance with established policy and regulatory guidelines. Loans typically have a loan-to-value ratio of up to 80% based upon current valuation information at the time the loan is made, and are primarily paid by the cash flow generated from the real property, typically the operating entity of owner occupant. Risk factors typically include competitive market forces, net operating incomes of the operating entity, and overall economic demand. Loans in the recreational and tourism sector can be affected by weather conditions, such as unseasonably low winter snowfalls. Commercial real estate lending also carries a higher degree of environmental risk than other types of lending.

Commercial Real Estate Non-Owner Occupied - commercial real estate loans non-owner occupied share many of the purpose, loan structure and risk characteristics of owner-occupied commercial real estate. The primary differentiating factor from Owner Occupied is that repayment is generally reliant upon cash flow generated from tenants rather than an operating entity. Risk factors are also influenced by vacancy rates, cap rates, lease renewals, and underlying financial health of lessees.

Commercial Construction - commercial construction loans consist of loans to finance construction in a mix of owner- and non-owner occupied commercial real estate properties. Loans typically have construction periods of less than two years, and payment structures during the construction period are typically on an interest only basis, although principal payments may be established depending on the type of construction project being financed. During the construction phase, commercial construction loans are primarily paid by cash flow generated from the construction project or other operating cash flows from the borrower or guarantors, if applicable. Commercial construction loans will typically convert to permanent financing from the Company, or loan repayment may come from a third party source in the event that the Company will not be providing permanent term financing. Collateral valuation and loan-to-value guidelines follow those for commercial real estate loans. Commercial construction loans are impacted by factors similar to those for commercial real estate loans in addition to risks related to contractor financial capacity and ability to complete a project within acceptable time frames and within budget.

Commercial and Industry - C&I loans consist of revolving and term loan obligations extended to business and corporate enterprises for the purpose of financing working capital and or capital investment. C&I loans may be secured or unsecured; when secured, collateral generally consists of pledges of business assets including, but not limited to, accounts receivable, inventory, equipment, and/or other tangible and intangible assets. C&I loans are primarily paid by the operating cash flow of the borrower. A weakened economy, soft consumer spending, and the rising cost of labor or raw materials are examples of issues that can impact the credit quality in this segment.

Commercial Multifamily - multifamily loans share structure and risk characteristics with non-owner occupied commercial real estate; underlying collateral is residential in nature rather than commercial, consisting of properties with five or more units.

Municipal Loans - municipal loans are comprised of loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes. All municipal loans are considered either general obligations of the municipality collateralized by the taxing ability of the municipality for repayment of debt or have a pledge of specific revenues. The overall health of the economy, including unemployment rates and housing prices, has an impact on the credit quality of this segment.

Agriculture - agriculture loans consist mostly of amortizing term loans and revolving lines of credit made to borrowers in agriculture related industries. For the Company, this includes loans made to land based agricultural production and to participants in the fishing industry. Collateral values are determined based on appraisals and evaluations in accordance with established policy and regulatory guidelines. Loans are primarily paid by the cash flow generated from the agricultural property or operation of equipment. Risk factors typically include competitive market forces, overall economic demand for the product, and may be further influenced by weather conditions which impact growing and/or harvesting, or other factors such as changes in government regulation(s).

Residential Real Estate Term - residential term loans consist of residential real estate loans made to borrowers who demonstrate the ability to make scheduled payments with full consideration to underwriting factors. Borrower qualifications include favorable credit history combined with supportive income requirements and loan-to-value ratios within established policy and regulatory guidelines. Collateral values are determined based on appraisals and evaluations in accordance with established policy and regulatory guidelines. Residential loans typically have a loan-to-value ratio of up to 80% based on appraisal information at the time the loan is made. Collateral consists of mortgage liens on one-to four-family residential properties. Loans are offered with fixed or adjustable rates with amortization terms of up to thirty years. The overall health of the economy, including unemployment rates and housing prices, has an impact on the credit quality of this segment.

Residential Real Estate Construction - residential construction loans typically consist of loans for the purpose of constructing single family residences to be owned and occupied by the borrower. Borrower qualifications include favorable credit history combined with supportive income requirements and loan-to-value ratios within established policy and regulatory guidelines. Residential construction loans normally have construction terms of one year or less and payment during the construction term is typically on an interest only basis from sources including interest reserves, borrower liquidity, and/or income. Residential construction loans will typically convert to permanent financing from the Company or have another financing commitment in place from an acceptable mortgage lender. Collateral valuation and loan-to-value guidelines are consistent with those for residential term loans. Residential construction loans are impacted by factors similar to those for residential real estate term loans in addition to risks related to contractor financial capacity and ability to complete a project within acceptable time frames and within budget.

Home Equity Revolving and Term - home equity revolving and term loans are made to qualified individuals and are secured by senior or junior mortgage liens on owner occupied one- to four-family homes, condominiums, or vacation homes. The home equity line of credit typically has a variable interest rate and is billed as interest-only payments during the draw period. At the end of the draw period, the home equity line of credit is billed as a percentage of the principal balance plus all accrued interest. Loan maturities are normally 300 months. Borrower qualifications include favorable credit history combined with supportive income requirements and combined loan-to-value ratios usually not exceeding 80% inclusive of priority liens. Collateral valuation guidelines follow those for residential real estate loans. The overall health of the economy, including unemployment rates and housing prices, has an impact on the credit quality of this segment.

Consumer - consumer loans include personal lines of credit and amortizing loans made to qualified individuals for various purposes such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Borrower qualifications include favorable credit history combined with supportive income and collateral requirements within established policy guidelines. Consumer loans may be secured or unsecured. The overall health of the economy, including unemployment rates, has an impact on the credit quality of this segment.

Construction, land, and land development: CLLD loans, both commercial and residential, represented 28.60% of total Bank capital as of ~~June~~September 30, 2025 and remain below the regulatory guidance of 100.0% of total Bank capital. Construction loans and non-owner-occupied commercial real estate loans represented ~~218~~210.15% of total Bank capital at ~~June~~September 30, 2025, below the regulatory guidance of 300.0% of total Bank capital.

Composition of the ACL: A breakdown of the ACL as of ~~June~~September 30, 2025, by class of financing receivable and allowance element, is presented in the following table:

As of June 30, 2025

Specific Reserves on Loans Evaluated Individually

General Reserves on Loans Based on Historical Loss Experience

Reserves for Qualitative Factors

Total Reserves

As of September 30, 2025

Specific Reserves on Loans Evaluated Individually

General Reserves on Loans Based on Historical Loss Experience

Reserves for Qualitative Factors

Total Reserves

Commercial

Real estate owner occupied

—

4,~~476~~396,000

~~719~~734,000

5,~~195~~130,000

Real estate non-owner occupied

—

4,~~289~~127,000

~~645~~638,000

4,~~934~~765,000

Construction

—

~~335~~319,000

~~101~~100,000

~~436~~419,000

C&I

~~326~~740,000

3,~~946~~770,000

~~593~~605,000

45,~~865~~115,000

Multifamily

—

1,~~408~~304,000

~~164~~177,000

1,~~572~~481,000

Agriculture

—

~~517~~514,000

~~149~~159,000

~~666~~673,000

Municipal

—

3635,000

~~231~~253,000

~~267~~288,000

Residential

Term

—86,000

5,~~075~~279,000

~~410~~391,000

5,~~485~~756,000

Construction

—

~~360~~380,000

5556,000

~~415~~436,000

Home Equity

Revolving and term

—

~~741~~767,000

82,000

~~823~~849,000

Consumer

—

~~164~~162,000

74,000

~~171~~166,000

326,000

21,347,000

3,156,000

24,829,000

826,000

21,053,000

3,199,000

25,078,000

A breakdown of the ACL as of December 31, 2024, by class of financing receivable and allowance element, is presented in the following table:


As of December 31, 2024	Specific Reserves on Loans Evaluated Individually		General Reserves on Loans Based on Historical Loss Experience		Reserves for Qualitative Factors		Total Reserves
Commercial
Real estate owner occupied	$	—	$	4,355,000	$	690,000	$	5,045,000
Real estate non-owner occupied	—		4,237,000		592,000		4,829,000
Construction	—		786,000		158,000		944,000
C&I	1,047,000		3,744,000		573,000		5,364,000
Multifamily	—		1,108,000		131,000		1,239,000
Agriculture	—		449,000		156,000		605,000
Municipal	—		35,000		227,000		262,000
Residential
Term	—		4,811,000		430,000		5,241,000
Construction	—		414,000		60,000		474,000
Home Equity
Revolving and term	—		600,000		86,000		686,000
Consumer	—		175,000		7,000		182,000
	$	1,047,000	$	20,714,000	$	3,110,000	$	24,871,000

A breakdown of the ACL as of ~~June~~September 30, 2024, by class of financing receivable and allowance element, is presented in the following table:

As of June 30, 2024

Specific Reserves on Loans Evaluated Individually

General Reserves on Loans Based on Historical Loss Experience

Reserves for Qualitative Factors

Total Reserves

As of September 30, 2024

Specific Reserves on Loans Evaluated Individually

General Reserves on Loans Based on Historical Loss Experience

Reserves for Qualitative Factors

Total Reserves

Commercial

Real estate owner occupied

—

4,~~434~~484,000

~~819~~635,000

5,~~253~~119,000

Real estate non-owner occupied

—

34,~~819~~387,000

~~429~~584,000

4,~~248~~971,000

Construction

—

1762,~~032,~~000

~~(110~~45,000)

~~922~~807,000

C&I

~~219~~223,000

43,~~098~~872,000

~~704~~567,000

54,~~021~~662,000

Multifamily

—

1,~~439~~129,000

~~128~~133,000

1,~~567~~262,000

Agriculture

—

~~402~~462,000

26151,000

~~428~~613,000

Municipal

—

3735,000

~~143~~231,000

~~180~~266,000

Residential

Term

22,000

4,~~984~~593,000

~~554~~436,000

5,~~560~~051,000

Construction

—

~~683~~411,000

~~(96~~14,000)

~~587~~425,000

Home Equity

Revolving and term

—

~~644~~584,000

~~100~~79,000

~~744~~663,000

Consumer

—

~~170~~151,000

139,000

~~183~~160,000

~~241~~245,000

2120,~~742~~870,000

2,~~710~~884,000

2423,~~693~~999,000

The ACL as a percent of total loans stood at 1.0405% as of ~~June~~September 30, 2025, 1.06% at December 31, 2024 and 1.1004% as of ~~June~~September 30, 2024.

Off-Balance Sheet Credit Exposures: In the ordinary course of business, the Company enters into commitments to extend credit, including construction lines of credit, revolving lines of credit, written commitments to provide financing, commercial letters of credit and standby letters of credit. Such financial instruments are recorded as loans when they are funded.

Allowance for Credit Losses on Off-Balance Sheet Credit Exposures: The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The ACL on off-balance sheet credit exposures is adjusted through credit loss expense (reduction) and any adjustment is recognized in net income. To appropriately measure expected credit losses, management disaggregates the loan portfolio into similar risk characteristics, identical to those determined for the loan portfolio. An estimated funding rate is then applied to the qualifying unfunded loan commitments and letters of credit using the Company’s own historical experience to estimate the expected funded amount for each loan segment as of the reporting date. Once the expected funded amount for each loan segment is determined, the loss rate, which is the calculated expected loan loss as a percent of the amortized cost basis for each loan segment, is applied to calculate the ACL on off-balance sheet credit exposures as of the reporting date. The Company’s ACL on unfunded commitments is recognized as a liability, included within other liabilities on the consolidated balance sheet.

The following table presents the activity in the ACL for off-balance sheet credit exposures for the ~~six~~nine months and quarters ended ~~June~~September 30, 2025 and 2024:

	For the six months ended June 30,				For the quarter ended June 30,
	For the nine months ended September 30,				For the quarter ended September 30,
	2025		2024		2025		2024
Allowance for credit losses:
Beginning balance	$	714,000	$	1,255,000	$	~~709~~846,000	$	~~895~~902,000
Credit loss expense (reduction)	~~132~~154,000		(~~353~~487,000)		~~137~~22,000		7(134,000)
Total ending allowance balance	$	~~846~~868,000	$	~~902~~768,000	$	~~846~~868,000	$	~~902~~768,000

Credit Quality Indicators: To monitor the credit quality of its loan portfolio, management applies an internal risk rating system to categorize commercial loan segments. Approximately 60% of commercial loan outstanding balances are subject to review and validation annually by an independent consulting firm. Additionally, commercial loan relationships with exposure greater than or equal to $1,000,000 are subject to review annually by the Company's internal credit review function.

The risk rating system has eight levels, defined as follows:

1 Strong

Credits rated "1" are characterized by borrowers fully responsible for the credit with excellent capacity to pay principal and interest. Loans rated "1" may be secured with acceptable forms of liquid collateral.

2 Above Average

Credits rated "2" are characterized by borrowers that have better than average liquidity, capitalization, earnings, and/or cash flow with a consistent record of solid financial performance.

3 Satisfactory

Credits rated "3" are characterized by borrowers with favorable liquidity, profitability, and financial condition with adequate cash flow to pay debt service.

4 Average

Credits rated "4" are characterized by borrowers that present risk more than 1, 2 and 3 rated loans and merit an ordinary level of ongoing monitoring. Financial condition is on par or somewhat below industry averages while cash flow is generally adequate to meet debt service requirements.

5 Watch

Credits rated "5" are characterized by borrowers that warrant greater monitoring due to financial condition or unresolved and identified risk factors.

6 Other Assets Especially Mentioned

Loans in this category are currently protected but are potentially weak and constitute an undue and unwarranted credit risk, but not to the point of justifying a classification of substandard. OAEM have potential weaknesses which may, if not checked or corrected, weaken the asset or inadequately protect the Company's credit position at some future date.

7 Substandard

Loans in this category are inadequately protected by the paying capacity of the borrower or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Substandard loans are characterized by the distinct possibility that the Company may sustain some loss if the deficiencies are not corrected.

8 Doubtful

Loans classified "Doubtful" have the same weaknesses as those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high, but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.

Most residential real estate, home equity, and consumer loans are not assigned ratings; therefore they are categorized as performing and non-performing loans. Performing loans include loans that are current and loans that are past due less than 90 days. Loans that are past due more than 90 days are considered non-performing.

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of ~~June~~September 30, 2025:

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of June 30, 2025
As of September 30, 2025
Commercial
Real estate owner occupied
Pass (risk rating 1-5)	$	3245,~~552~~517	$	4742,~~207~~886	$	6362,~~949~~580	$	6765,~~078~~662	$	3433,~~061~~669	$	~~100~~96,~~153~~498	$	1110,~~748~~850	$	~~960~~—	$	357,~~708~~662
Special Mention (risk rating 6)	135		—		31,~~026~~895		~~1,989~~—		—		~~1,601~~931		~~134~~—		—		62,~~885~~961
Substandard (risk rating 7)	—		804,019		~~247~~1,372		57,~~322~~284		257		~~833~~1,708		—		—		614,~~739~~640
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Owner Occupied	32,687		47,287		67,222		74,389		34,318		102,587		11,882		960		371,332
Total Real estate owner occupied	45,652		46,905		65,847		72,946		33,926		99,137		10,850		—		375,263
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Real estate non-owner occupied
Pass (risk rating 1-5)	3537,~~181~~864		3032,~~331~~589		4342,~~369~~885		7167,~~213~~191		~~100~~99,~~381~~327		~~128~~119,~~787~~460		1311,~~485~~518		—1,520		~~422~~412,~~747~~354
Special Mention (risk rating 6)	—		—		—		—		439		~~199~~314		—		—		~~242~~323
Substandard (risk rating 7)	1,~~285~~444		~~213~~237		62		—		—		61		—		—		1,~~621~~804
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Non-Owner Occupied	36,466		30,544		43,431		71,213		100,424		129,047		13,485		—		424,610
Total Real estate non-owner occupied	39,308		32,826		42,947		67,191		99,336		119,835		11,518		1,520		414,481
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Pass (risk rating 1-5)	1112,~~423~~759		2625,~~707~~138		4,~~468~~338		32,~~198~~870		3,~~991~~618		32,~~128~~869		—		—		5251,~~915~~592
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		95		—		—		6766		—		—		—		~~162~~161
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Construction	1112,~~423~~759		2625,~~802~~233		4,~~468~~338		32,~~198~~870		43,~~058~~684		32,~~128~~869		—		—		5351,~~077~~753
Current period gross write-offs	—		—		—		—		—		—		—		—		—
C&I
Pass (risk rating 1-5)	3238,~~765~~073		7368,~~646~~015		48,~~847~~094		4039,~~994~~717		3734,~~266~~895		3331,~~925~~826		~~109~~110,~~122~~116		~~945~~974		~~377~~371,~~510~~710
Special Mention (risk rating 6)	—30		25326		~~309~~189		~~296~~183		~~461~~469		714		~~839~~562		—		21,~~001~~763
Substandard (risk rating 7)	~~244~~872		—25		~~684~~922		~~238~~330		3634		~~274~~722		~~189~~533		—		13,~~665~~438
Doubtful (risk rating 8)	—		—		—		—		—		~~258~~—		—		—		~~258~~—
Total C&I	3338,~~009~~975		7368,~~671~~366		49,~~840~~205		4140,~~528~~230		3735,~~763~~398		3432,~~528~~552		~~110~~111,~~150~~211		~~945~~974		~~381~~376,~~434~~911
Current period gross write-offs	—		(47)		(~~571~~636)		—		—(24)		(~~136~~394)		—		—		(~~754~~1,101)
Multifamily
Pass (risk rating 1-5)	519,~~901~~466		1711,~~019~~901		1110,~~884~~825		5244,~~855~~341		1817,~~867~~946		2423,~~341~~747		~~1,071~~872		—		~~131~~129,~~938~~098
Special Mention (risk rating 6)	160		—		1,600		—		—		—		—		—		1,760
Substandard (risk rating 7)	—		—2,419		—		1,020		1,~~325~~316		~~908~~902		—		—		35,~~253~~657
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Multifamily	619,~~061~~626		1714,~~019~~320		1312,~~484~~425		5345,~~875~~361		2019,~~192~~262		2524,~~249~~649		~~1,071~~872		—		136,~~951~~515
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Agriculture
Pass (risk rating 1-5)	59,~~507~~975		10,~~721~~096		2,~~278~~098		4,~~939~~831		3,~~663~~554		1816,~~146~~434		4,~~149~~925		~~222~~213		4952,~~625~~126
Special Mention (risk rating 6)	~~132~~131		—		~~450~~440		—		52		~~134~~119		600		—		1,~~368~~342
Substandard (risk rating 7)	1,325		—90		254		211		27		~~121~~114		—		—		12,~~938~~021
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Agriculture	611,~~964~~431		10,~~721~~186		2,~~982~~792		5,~~150~~042		3,~~742~~633		1816,~~401~~667		45,~~749~~525		~~222~~213		5255,~~931~~489
Current period gross write-offs	—		—		—		—		—		—		—		—		—

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of June 30, 2025
As of September 30, 2025
Municipal
Pass (risk rating 1-5)	811,~~834~~243		915,~~981~~379		18,~~726~~558		3,~~897~~102		43,~~136~~834		1716,~~350~~477		—		—		6268,~~924~~593
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Municipal	811,~~834~~243		915,~~981~~379		18,~~726~~558		3,~~897~~102		43,~~136~~834		1716,~~350~~477		—		—		6268,~~924~~593
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Residential
Term
Performing	2848,~~887~~096		6874,~~438~~128		90,~~906~~057		~~146~~143,~~470~~871		~~123~~115,~~293~~809		~~260~~253,~~426~~352		2,~~598~~083		~~119~~118		~~721~~727,~~137~~514
Non-performing	—		166		5351		~~412~~406		~~682~~878		1,~~880~~609		—		—		3,~~193~~110
Total Term	2848,~~887~~096		6874,~~604~~294		90,~~959~~108		~~146~~144,~~882~~277		~~123~~116,~~975~~687		~~262~~254,~~306~~961		2,~~598~~083		~~119~~118		~~724~~730,~~330~~624
Current period gross write-offs	—		—		—		—		—		(1)		—		—		(1)
Construction
Performing	918,~~716~~884		1813,~~095~~319		~~3,214~~158		~~554~~418		—		—		—		—		3132,~~579~~779
Non-performing	—		—		—		—		—		—		—		—		—
Total Construction	918,~~716~~884		1813,~~095~~319		~~3,214~~158		~~554~~418		—		—		—		—		3132,~~579~~779
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Home Equity Revolving and Term
Home equity revolving and term
Performing	47,~~339~~175		11,~~830~~094		8,~~921~~271		7,~~893~~715		1,~~842~~816		2,~~591~~510		8789,~~402~~236		8,~~909~~591		~~133~~136,~~727~~408
Non-performing	—		114		1615		8582		—		9087		88		~~160~~224		~~553~~610
Total Home Equity Revolving and Term	4,339		11,944		8,937		7,978		1,842		2,681		87,490		9,069		134,280
Total Home equity revolving and term	7,175		11,208		8,286		7,797		1,816		2,597		89,324		8,815		137,018
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Consumer
Performing	1,~~532~~825		21,~~307~~984		1,~~864~~648		~~923~~775		~~263~~179		5,~~404~~074		87,~~266~~593		—		2019,~~559~~078
Non-performing	—		—		—		—		—		—6		—		—		—6
Total Consumer	1,~~532~~825		21,~~307~~984		1,~~864~~648		~~923~~775		~~263~~179		5,~~404~~080		87,~~266~~593		—		2019,~~559~~084
Current period gross write-offs	(111)		(2355)		(2240)		(1214)		(521)		(5697)		—		—		(~~119~~238)
Total loans	$	~~179~~254,~~918~~974	$	~~316~~314,~~975~~020	$	~~305~~296,~~127~~312	$	~~409~~390,~~587~~009	$	~~330~~317,~~713~~755	$	~~600~~574,~~681~~824	$	~~239~~238,~~691~~976	$	11,~~315~~640	$	2,~~394~~398,~~007~~510

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of December 31, 2024:

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of December 31, 2024
Commercial
Real estate owner occupied
Pass (risk rating 1-5)	$	47,724	$	62,376	$	77,469	$	39,635	$	26,448	$	81,529	$	10,727	$	1,126	$	347,034
Special Mention (risk rating 6)	125		3,026		5,334		—		195		1,603		50		—		10,333
Substandard (risk rating 7)	41		261		—		257		160		502		—		—		1,221
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Owner Occupied	47,890		65,663		82,803		39,892		26,803		83,634		10,777		1,126		358,588
Total Real estate owner occupied	47,890		65,663		82,803		39,892		26,803		83,634		10,777		1,126		358,588
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Real estate non-owner occupied
Pass (risk rating 1-5)	33,083		29,546		72,025		113,630		45,421		96,778		11,241		1,520		403,244
Special Mention (risk rating 6)	—		62		—		44		—		199		—		—		305
Substandard (risk rating 7)	289		—		—		—		—		61		—		—		350
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Non-Owner Occupied	33,372		29,608		72,025		113,674		45,421		97,038		11,241		1,520		403,899
Total Real estate non-owner occupied	33,372		29,608		72,025		113,674		45,421		97,038		11,241		1,520		403,899
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Pass (risk rating 1-5)	36,478		22,629		26,650		7,826		1,356		2,314		—		—		97,253
Special Mention (risk rating 6)	—		—		2,007		44		—		199		—		—		2,250
Substandard (risk rating 7)	145		—		—		69		—		—		—		—		214
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Construction	36,623		22,629		28,657		7,939		1,356		2,513		—		—		99,717
Current period gross write-offs	—		—		—		—		—		—		—		—		—
C&I
Pass (risk rating 1-5)	69,543		50,204		45,986		39,217		14,958		25,284		114,567		778		360,537
Special Mention (risk rating 6)	25		15		561		478		723		—		900		—		2,702
Substandard (risk rating 7)	473		1,227		356		30		15		19		200		—		2,320
Doubtful (risk rating 8)	—		—		—		—		—		258		—		—		258
Total C&I	70,041		51,446		46,903		39,725		15,696		25,561		115,667		778		365,817
Current period gross write-offs	—		(128)		(39)		(72)		(47)		(165)		—		—		(451)
Multifamily
Pass (risk rating 1-5)	14,048		13,102		33,558		17,335		14,483		12,152		781		—		105,459
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		1,020		1,341		912		—		—		—		3,273
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Multifamily	14,048		13,102		34,578		18,676		15,395		12,152		781		—		108,732
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Agriculture
Pass (risk rating 1-5)	11,694		2,749		5,790		3,835		14,651		6,023		4,546		215		49,503
Special Mention (risk rating 6)	—		474		—		52		—		152		600		—		1,278
Substandard (risk rating 7)	—		75		731		30		—		602		—		—		1,438
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Agriculture	11,694		3,298		6,521		3,917		14,651		6,777		5,146		215		52,219
Current period gross write-offs	—		—		—		—		—		—		—		—		—

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2024	2023	2022	2021	2020	Prior	Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term	Total
As of December 31, 2024
Municipal
Pass (risk rating 1-5)	9,503	18,642	4,017	3,822	8,498	17,345	—	—	61,827
Special Mention (risk rating 6)	—	—	—	—	—	—	—	—	—
Substandard (risk rating 7)	—	—	—	—	—	—	—	—	—
Doubtful (risk rating 8)	—	—	—	—	—	—	—	—	—
Total Municipal	9,503	18,642	4,017	3,822	8,498	17,345	—	—	61,827
Current period gross write-offs	—	—	—	—	—	—	—	—	—
Residential
Term
Performing	56,378	94,816	148,877	130,413	84,028	192,466	2,109	121	709,208
Non-performing	—	—	297	257	380	665	—	—	1,599
Total Term	56,378	94,816	149,174	130,670	84,408	193,131	2,109	121	710,807
Current period gross write-offs	—	—	—	—	—	(37)	—	—	(37)
Construction
Performing	26,386	7,487	925	—	683	—	—	—	35,481
Non-performing	—	—	—	—	—	—	—	—	—
Total Construction	26,386	7,487	925	—	683	—	—	—

Filing Compare · First Bancorp, Inc /ME/