2025 Digital Annual Report

FIRST  BANCORP,  INC.  AND  SUBSIDIARIES CONSOLIDATED  BALANCE  SHEETS December  31,  2025  and  2024

2024

2025

ASSETS Cash and due from banks Interest-bearing due from banks Federal funds sold Securities available-for-sale, at fair value Securities held-to-maturity Restricted equity securities Loans held for sale Loans, net of allowance of $42,593,335 and $41,137,304 in 2025 and 2024, respectively Cash and cash equivalents Bank premises and equipment, net Bank owned life insurance Foreclosed assets Accrued interest receivable Goodwill Other assets LIABILITIES  AND  STOCKHOLDERS'  EQUITY L I A BD IeLpI oTsI iEt Ss : Noninterest-bearing Interest-bearing Total deposits Short-term debt Long-term debt Accrued interest and other liabilities

$ 28,498,772  $ 27,455,245 553,793,142  388,896,577 Ǧ  582,291,914  416,351,822 62,801,784 

- -

61,039,440 4,885,300 12,617,222 43,743,577 51,613,125 300,000 19,443,081 1,002,216 28,315,286



4,375,000  12,897,984 

3,396,692,401  3,183,849,235 44,684,124  58,738,208

Ǧ  20,836,357  1,002,216  27,933,329 

 $ 4,212,253,317  $ 3,823,160,304 $ 749,161,060  $ 700,910,853 3,011,776,477  2,700,703,449 3,760,937,537  3,401,614,302

Ǧ  31,544,083 25,106,513 56,650,596 9,500,000

Ǧ  11,974,954  29,854,017 

41,828,971 

TRUST PREFERRED SECURITIES STOCCaKpHitOalLsDtEocRkS:' EQUITY

9,500,000 

CI sosmu emd o: 1n 6, n, 6o2p3a, 4r 2v4a lsuhea; raeust2h0o 2r i5z eadn d2 02, 00 20 40 , 0 0 0 s h a r e s ; Outstanding: 16,612,171 shares 2025 and 16,607,508 shares 2024 Additional paid-in capital Retained earnings Accumulated other comprehensive income Treasury stock, at cost:11,253 shares 2025 and 15,916 shares 2024

10,524,640  248,040  393,322,413  350,823,451 (1,620,218) 399,986,809  355,395,406 $ 4,212,253,317  $ 3,823,160,304 10,524,640 248,040 (4,580,507) (2,321,269)  (1,787,015) 

See Notes to Consolidated Financial Statements.

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