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First Bancorp FNLC Service charges on deposit accounts — Non-interest income

Other product segments

Investment management and fiduciary income
$1.49M+12.8%
Debit card income
$1.2M+2.6%
Mortgage origination and servicing income, net of amortization
$176K-9.7%

Similar metrics at other companies

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SFNCService charges on deposit accounts — Non-interest income
$12.66M+0.2%
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UVSPService charges on deposit accounts — Noninterest income
$2.28M+3.9%
Capital Bancorp logo
CBNKService charges on deposits — Noninterest income
$403K+56.2%
Mid Penn Bancorp logo
MPBService charges on deposits — Non-interest Income
$636K+13.2%
First Merchants Corporation logo
FRMEService charges on deposit accounts — Other income
$9.04M+12.0%
Prosperity Bancshares logo
PBNoninterest Income Service Charges On Deposit Accounts
$8.68M+17.2%

Other financials

Income statement

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Revenue$25.1M+15.3%
Net income$9.0M+27.1%
EPS (diluted)$0.80+27.0%

Balance sheet

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Cash & equivalents$23.6M-10.7%
Total debt$195.8M+5.6%
Total equity$286.8M+10.4%
Total assets$3.2B+0.4%

Cash flow

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Operating cash flow$22.8M+945%
CapEx$526.0K-61.1%
Free cash flow$22.2M+2,587%

Valuation

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Market cap$383.94M+43.8%
Enterprise value$556.13M+30.6%
P/E10.6×+1.1×
P/S3.9×+0.7×

Profitability

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Net margin37%+3.4pp
FCF margin57.1%+24.5pp

Returns & leverage

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Return on equity13.3%+2.1pp
Debt / equity0.7×0.0×

Where this comes from

Reported directly by First Bancorp in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax.

The official record: First Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Bancorp's service charges on deposit accounts — non-interest income?
First Bancorp (FNLC) reported service charges on deposit accounts — non-interest income of $560K in Q1 2026.
How has First Bancorp's service charges on deposit accounts — non-interest income changed year-over-year?
First Bancorp's service charges on deposit accounts — non-interest income increased by 5.5% year-over-year, from $531K to $560K.
What is the long-term trend for First Bancorp's service charges on deposit accounts — non-interest income?
Over 4 years (2021 to 2025), First Bancorp's service charges on deposit accounts — non-interest income has grown at a 8.3% compound annual growth rate (CAGR), from $1.57M to $2.16M.
What does service charges on deposit accounts — non-interest income mean?
This metric represents the revenue generated from fees assessed on customer deposit accounts, such as maintenance fees, overdraft charges, and transaction-related service costs. It serves as a key component of non-interest income, reflecting the bank's ability to monetize its retail and commercial deposit base through recurring service-based activities. Monitoring this figure helps investors assess the stability and growth of fee-based income streams independent of net interest margin fluctuations.