000076520712/31false2020Q3falseP3M00007652072020-01-012020-09-30xbrli:shares00007652072020-11-01iso4217:USD00007652072020-09-3000007652072019-12-3100007652072019-09-30iso4217:USDxbrli:shares00007652072019-01-012019-09-3000007652072020-07-012020-09-3000007652072019-07-012019-09-300000765207us-gaap:FiduciaryAndTrustMember2020-01-012020-09-300000765207us-gaap:FiduciaryAndTrustMember2019-01-012019-09-300000765207us-gaap:FiduciaryAndTrustMember2020-07-012020-09-300000765207us-gaap:FiduciaryAndTrustMember2019-07-012019-09-300000765207us-gaap:DepositAccountMember2020-01-012020-09-300000765207us-gaap:DepositAccountMember2019-01-012019-09-300000765207us-gaap:DepositAccountMember2020-07-012020-09-300000765207us-gaap:DepositAccountMember2019-07-012019-09-300000765207us-gaap:MortgageBankingMember2020-01-012020-09-300000765207us-gaap:MortgageBankingMember2019-01-012019-09-300000765207us-gaap:MortgageBankingMember2020-07-012020-09-300000765207us-gaap:MortgageBankingMember2019-07-012019-09-300000765207us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember2018-12-310000765207us-gaap:RetainedEarningsMember2018-12-310000765207us-gaap:AccumulatedOtherComprehensiveIncomeMember2018-12-3100007652072018-12-310000765207us-gaap:RetainedEarningsMember2019-01-012019-09-300000765207us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-01-012019-09-300000765207us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember2019-01-012019-09-300000765207us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember2019-09-300000765207us-gaap:RetainedEarningsMember2019-09-300000765207us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-09-300000765207us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember2019-12-310000765207us-gaap:RetainedEarningsMember2019-12-310000765207us-gaap:AccumulatedOtherComprehensiveIncomeMember2019-12-310000765207us-gaap:RetainedEarningsMember2020-01-012020-09-300000765207us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-01-012020-09-300000765207us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember2020-01-012020-09-300000765207us-gaap:CommonStockIncludingAdditionalPaidInCapitalMember2020-09-300000765207us-gaap:RetainedEarningsMember2020-09-300000765207us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-09-300000765207us-gaap:USTreasuryAndGovernmentMember2020-09-300000765207us-gaap:MortgageBackedSecuritiesMember2020-09-300000765207us-gaap:USStatesAndPoliticalSubdivisionsMember2020-09-300000765207us-gaap:CorporateDebtSecuritiesMember2020-09-300000765207us-gaap:USTreasuryAndGovernmentMember2019-12-310000765207us-gaap:MortgageBackedSecuritiesMember2019-12-310000765207us-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310000765207us-gaap:CorporateDebtSecuritiesMember2019-12-310000765207us-gaap:MortgageBackedSecuritiesMember2019-09-300000765207us-gaap:USStatesAndPoliticalSubdivisionsMember2019-09-300000765207us-gaap:USTreasuryAndGovernmentMember2019-09-300000765207us-gaap:CorporateDebtSecuritiesMember2019-09-300000765207us-gaap:EquitySecuritiesMember2020-09-300000765207us-gaap:EquitySecuritiesMember2019-12-310000765207us-gaap:EquitySecuritiesMember2019-09-30fnlc:loan0000765207us-gaap:USStatesAndPoliticalSubdivisionsMember2020-07-012020-09-30fnlc:security00007652072019-01-012019-12-31xbrli:pure00007652072014-09-30fnlc:state0000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-09-300000765207fnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMember2019-09-300000765207fnlc:SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember2020-09-300000765207fnlc:SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember2020-07-012020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:OtherLoansMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:OtherLoansMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207us-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:MunicipalPortfolioMember2020-09-300000765207us-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207us-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207us-gaap:FinancingReceivables30To59DaysPastDueMember2020-09-300000765207us-gaap:FinancingReceivables60To89DaysPastDueMember2020-09-300000765207us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OriginalOrSubsequentModificationMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:CommercialMunicipalPortfolioSegmentMemberfnlc:PaidOffMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:CommercialMunicipalPortfolioSegmentMemberfnlc:PaidOffMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:SubsequentModificationMemberfnlc:CommercialMunicipalPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:SubsequentModificationMemberfnlc:CommercialMunicipalPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:CommercialMunicipalPortfolioSegmentMemberfnlc:StillInOriginalModificationMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:CommercialMunicipalPortfolioSegmentMemberfnlc:StillInOriginalModificationMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OutOfModificationMemberfnlc:CommercialMunicipalPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OutOfModificationMemberfnlc:CommercialMunicipalPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:CommercialMunicipalPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:CommercialMunicipalPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:PaidOffMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:PaidOffMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:SubsequentModificationMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:SubsequentModificationMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:StillInOriginalModificationMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:StillInOriginalModificationMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OutOfModificationMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OutOfModificationMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:PaidOffMember2020-01-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:PaidOffMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:SubsequentModificationMember2020-01-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:SubsequentModificationMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:StillInOriginalModificationMember2020-01-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:StillInOriginalModificationMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OutOfModificationMember2020-01-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMemberfnlc:OutOfModificationMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMember2020-01-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ExemptionFromTroubledDebtRestructureDesignationCARESActMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:OtherLoansMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:OtherLoansMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:MunicipalPortfolioMember2019-12-310000765207us-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:MunicipalPortfolioMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:FinancingReceivables30To59DaysPastDueMember2019-12-310000765207us-gaap:FinancingReceivables60To89DaysPastDueMember2019-12-310000765207us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:OtherLoansMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:OtherLoansMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:MunicipalPortfolioMember2019-09-300000765207us-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:FinancingReceivables30To59DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:FinancingReceivables60To89DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:FinancingReceivables30To59DaysPastDueMember2019-09-300000765207us-gaap:FinancingReceivables60To89DaysPastDueMember2019-09-300000765207us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2020-01-012020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2020-07-012020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2020-01-012020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2020-07-012020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2020-01-012020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2020-07-012020-09-300000765207fnlc:MunicipalPortfolioMember2020-01-012020-09-300000765207fnlc:MunicipalPortfolioMember2020-07-012020-09-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-07-012020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2020-07-012020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2020-01-012020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2020-07-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMember2020-01-012020-09-300000765207us-gaap:ConsumerPortfolioSegmentMember2020-07-012020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2019-01-012019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-01-012019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-01-012019-12-310000765207fnlc:MunicipalPortfolioMember2019-01-012019-12-310000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-01-012019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-01-012019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMember2019-01-012019-12-310000765207us-gaap:ConsumerPortfolioSegmentMember2019-01-012019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2019-01-012019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2019-07-012019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-01-012019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-07-012019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-01-012019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-07-012019-09-300000765207fnlc:MunicipalPortfolioMember2019-01-012019-09-300000765207fnlc:MunicipalPortfolioMember2019-07-012019-09-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-01-012019-09-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-07-012019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-01-012019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-07-012019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2019-01-012019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2019-07-012019-09-300000765207us-gaap:ConsumerPortfolioSegmentMember2019-01-012019-09-300000765207us-gaap:ConsumerPortfolioSegmentMember2019-07-012019-09-300000765207us-gaap:UnallocatedFinancingReceivablesMember2020-01-012020-09-300000765207us-gaap:UnallocatedFinancingReceivablesMember2019-01-012019-09-30fnlc:loan_class0000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:OtherLoansMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMemberfnlc:OtherLoansMember2020-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:ReserveForQualitativeFactorsMemberfnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:ReserveForQualitativeFactorsMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberfnlc:ReserveForQualitativeFactorsMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:ReserveForQualitativeFactorsMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2020-09-300000765207fnlc:UnallocatedReservesMemberus-gaap:UnallocatedFinancingReceivablesMember2020-09-300000765207us-gaap:UnallocatedFinancingReceivablesMember2020-09-300000765207fnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2020-09-300000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2020-09-300000765207fnlc:ReserveForQualitativeFactorsMember2020-09-300000765207fnlc:UnallocatedReservesMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:OtherLoansMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMemberfnlc:OtherLoansMember2019-12-310000765207fnlc:MunicipalPortfolioMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:ReserveForQualitativeFactorsMemberfnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207fnlc:ReserveForQualitativeFactorsMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberfnlc:ReserveForQualitativeFactorsMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:ReserveForQualitativeFactorsMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2019-12-310000765207fnlc:UnallocatedReservesMemberus-gaap:UnallocatedFinancingReceivablesMember2019-12-310000765207us-gaap:UnallocatedFinancingReceivablesMember2019-12-310000765207fnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-12-310000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-12-310000765207fnlc:ReserveForQualitativeFactorsMember2019-12-310000765207fnlc:UnallocatedReservesMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:OtherLoansMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMemberfnlc:OtherLoansMember2019-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:ReserveForQualitativeFactorsMemberfnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207fnlc:ReserveForQualitativeFactorsMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberfnlc:ReserveForQualitativeFactorsMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberfnlc:ReserveForQualitativeFactorsMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberfnlc:ReserveForQualitativeFactorsMember2019-09-300000765207fnlc:UnallocatedReservesMemberus-gaap:UnallocatedFinancingReceivablesMember2019-09-300000765207us-gaap:UnallocatedFinancingReceivablesMember2019-09-300000765207fnlc:SpecificReservesEvaluatedIndividuallyForImpairmentMember2019-09-300000765207fnlc:GeneralReservesBasedOnHistoricalLossExperienceMember2019-09-300000765207fnlc:ReserveForQualitativeFactorsMember2019-09-300000765207fnlc:UnallocatedReservesMember2019-09-300000765207us-gaap:ResidentialPortfolioSegmentMember2020-01-012020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Strong1Member2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Strong1Member2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Strong1Member2020-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:Strong1Member2020-09-300000765207fnlc:Strong1Member2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:AboveAverage2Member2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:AboveAverage2Member2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:AboveAverage2Member2020-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:AboveAverage2Member2020-09-300000765207fnlc:AboveAverage2Member2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Member2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Member2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Memberfnlc:OtherLoansMember2020-09-300000765207fnlc:Satisfactory3Memberfnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:Satisfactory3Member2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Member2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Member2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Memberfnlc:OtherLoansMember2020-09-300000765207fnlc:Average4Memberfnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:Average4Member2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Watch5Member2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Watch5Member2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Watch5Member2020-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:Watch5Member2020-09-300000765207fnlc:Watch5Member2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Oaem6Member2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Oaem6Member2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Oaem6Member2020-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:Oaem6Member2020-09-300000765207fnlc:Oaem6Member2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:SubstandardMember2020-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:SubstandardMember2020-09-300000765207us-gaap:SubstandardMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:DoubtfulMember2020-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:DoubtfulMember2020-09-300000765207us-gaap:DoubtfulMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Strong1Member2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Strong1Member2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Strong1Member2019-12-310000765207fnlc:MunicipalPortfolioMemberfnlc:Strong1Member2019-12-310000765207fnlc:Strong1Member2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:AboveAverage2Member2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:AboveAverage2Member2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:AboveAverage2Member2019-12-310000765207fnlc:MunicipalPortfolioMemberfnlc:AboveAverage2Member2019-12-310000765207fnlc:AboveAverage2Member2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Member2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Member2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Memberfnlc:OtherLoansMember2019-12-310000765207fnlc:Satisfactory3Memberfnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:Satisfactory3Member2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Member2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Member2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Memberfnlc:OtherLoansMember2019-12-310000765207fnlc:Average4Memberfnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:Average4Member2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Watch5Member2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Watch5Member2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Watch5Member2019-12-310000765207fnlc:MunicipalPortfolioMemberfnlc:Watch5Member2019-12-310000765207fnlc:Watch5Member2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Oaem6Member2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Oaem6Member2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Oaem6Member2019-12-310000765207fnlc:MunicipalPortfolioMemberfnlc:Oaem6Member2019-12-310000765207fnlc:Oaem6Member2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:SubstandardMember2019-12-310000765207fnlc:MunicipalPortfolioMemberus-gaap:SubstandardMember2019-12-310000765207us-gaap:SubstandardMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:DoubtfulMember2019-12-310000765207fnlc:MunicipalPortfolioMemberus-gaap:DoubtfulMember2019-12-310000765207us-gaap:DoubtfulMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Strong1Member2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Strong1Member2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Strong1Member2019-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:Strong1Member2019-09-300000765207fnlc:Strong1Member2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:AboveAverage2Member2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:AboveAverage2Member2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:AboveAverage2Member2019-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:AboveAverage2Member2019-09-300000765207fnlc:AboveAverage2Member2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Member2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Member2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:Satisfactory3Memberfnlc:OtherLoansMember2019-09-300000765207fnlc:Satisfactory3Memberfnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:Satisfactory3Member2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Member2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Member2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:Average4Memberfnlc:OtherLoansMember2019-09-300000765207fnlc:Average4Memberfnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:Average4Member2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Watch5Member2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Watch5Member2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Watch5Member2019-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:Watch5Member2019-09-300000765207fnlc:Watch5Member2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Oaem6Member2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:Oaem6Member2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberfnlc:Oaem6Member2019-09-300000765207fnlc:MunicipalPortfolioMemberfnlc:Oaem6Member2019-09-300000765207fnlc:Oaem6Member2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:SubstandardMember2019-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:SubstandardMember2019-09-300000765207us-gaap:SubstandardMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:DoubtfulMember2019-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:DoubtfulMember2019-09-300000765207us-gaap:DoubtfulMember2019-09-300000765207srt:MinimumMember2020-09-300000765207srt:MaximumMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2020-06-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2020-06-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2020-06-300000765207fnlc:MunicipalPortfolioMember2020-06-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-06-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2020-06-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2020-06-300000765207us-gaap:ConsumerPortfolioSegmentMember2020-06-300000765207us-gaap:UnallocatedFinancingReceivablesMember2020-06-3000007652072020-06-300000765207us-gaap:UnallocatedFinancingReceivablesMember2020-07-012020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2018-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2018-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2018-12-310000765207fnlc:MunicipalPortfolioMember2018-12-310000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2018-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2018-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMember2018-12-310000765207us-gaap:ConsumerPortfolioSegmentMember2018-12-310000765207us-gaap:UnallocatedFinancingReceivablesMember2018-12-310000765207us-gaap:UnallocatedFinancingReceivablesMember2019-01-012019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMember2019-06-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-06-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-06-300000765207fnlc:MunicipalPortfolioMember2019-06-300000765207fnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-06-300000765207us-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-06-300000765207fnlc:HomeEquityLineOfCreditPortfolioMember2019-06-300000765207us-gaap:ConsumerPortfolioSegmentMember2019-06-300000765207us-gaap:UnallocatedFinancingReceivablesMember2019-06-3000007652072019-06-300000765207us-gaap:UnallocatedFinancingReceivablesMember2019-07-012019-09-300000765207fnlc:Plan2010Member2010-12-310000765207fnlc:Plan2010Member2020-07-012020-09-300000765207fnlc:A2020EquityIncentivePlanMember2010-12-310000765207fnlc:Plan2010Memberus-gaap:RestrictedStockMember2020-09-302020-09-300000765207us-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-09-302020-09-300000765207fnlc:Plan2010Memberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:YearAwarded2016Memberfnlc:Plan2010Memberfnlc:FiveYearsMemberus-gaap:RestrictedStockMember2016-01-012016-09-300000765207fnlc:YearAwarded2016Memberfnlc:Plan2010Memberfnlc:FiveYearsMemberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:Plan2010Memberfnlc:FiveYearsMemberfnlc:YearAwarded2017Memberus-gaap:RestrictedStockMember2017-01-012017-09-300000765207fnlc:Plan2010Memberfnlc:FiveYearsMemberfnlc:YearAwarded2017Memberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:YearAwarded2018Memberfnlc:Plan2010Memberfnlc:ThreeYearsMemberus-gaap:RestrictedStockMember2018-01-012018-09-300000765207fnlc:YearAwarded2018Memberfnlc:Plan2010Memberfnlc:ThreeYearsMemberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:YearAwarded2018Memberfnlc:Plan2010Memberfnlc:FourYearsMemberus-gaap:RestrictedStockMember2018-01-012018-09-300000765207fnlc:YearAwarded2018Memberfnlc:Plan2010Memberfnlc:FourYearsMemberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:YearAwarded2018Memberfnlc:Plan2010Memberfnlc:FiveYearsMemberus-gaap:RestrictedStockMember2018-01-012018-09-300000765207fnlc:YearAwarded2018Memberfnlc:Plan2010Memberfnlc:FiveYearsMemberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:TwoYearsMemberfnlc:Plan2010Memberfnlc:YearAwarded2019Memberus-gaap:RestrictedStockMember2019-01-012019-09-300000765207fnlc:TwoYearsMemberfnlc:Plan2010Memberfnlc:YearAwarded2019Memberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:Plan2010Memberfnlc:YearAwarded2019Memberfnlc:ThreeYearsMemberus-gaap:RestrictedStockMember2019-01-012019-09-300000765207fnlc:Plan2010Memberfnlc:YearAwarded2019Memberfnlc:ThreeYearsMemberus-gaap:RestrictedStockMember2020-09-300000765207fnlc:OneYearMemberfnlc:YearAwarded2020Memberus-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-01-012020-09-300000765207fnlc:OneYearMemberfnlc:YearAwarded2020Memberus-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-09-300000765207fnlc:TwoYearsMemberfnlc:YearAwarded2020Memberus-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-01-012020-09-300000765207fnlc:TwoYearsMemberfnlc:YearAwarded2020Memberus-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-09-300000765207fnlc:YearAwarded2020Memberfnlc:ThreeYearsMemberus-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-01-012020-09-300000765207fnlc:YearAwarded2020Memberfnlc:ThreeYearsMemberus-gaap:RestrictedStockMemberfnlc:A2020EquityIncentivePlanMember2020-09-300000765207fnlc:Plan2010Memberus-gaap:RestrictedStockMember2020-01-012020-09-300000765207fnlc:CapitalPurchaseProgramMember2020-01-012020-09-300000765207fnlc:CapitalPurchaseProgramMember2019-01-012019-09-30fnlc:post_retirement_benefit_planfnlc:employee0000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-12-310000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2018-12-310000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-06-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-06-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-01-012020-09-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-01-012019-09-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-07-012020-09-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-07-012019-09-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-09-300000765207us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2019-09-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2019-12-310000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2018-12-310000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2020-06-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2019-06-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2020-01-012020-09-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2019-01-012019-09-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2020-07-012020-09-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2019-07-012019-09-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2020-09-300000765207fnlc:AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember2019-09-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2019-12-310000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2018-12-310000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-06-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2019-06-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-01-012020-09-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2019-01-012019-09-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-07-012020-09-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2019-07-012019-09-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-09-300000765207us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2019-09-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2019-12-310000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2018-12-310000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2020-06-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2019-06-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2020-01-012020-09-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2019-01-012019-09-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2020-07-012020-09-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2019-07-012019-09-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2020-09-300000765207us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember2019-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapDecember52019Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapDecember52019Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapDecember52019Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapJune272021Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapJune272021Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapJune272021Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapJune282021Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapJune282021Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapJune282021Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapJune52020Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapJune52020Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapJune52020Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapDecember52020Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapDecember52020Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapDecember52020Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapDecember52022Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapDecember52022Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapDecember52022Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapAugust22024Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapAugust22024Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapAugust22024Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapAugust52024Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapAugust52024Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapAugust52024Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapFebruary122023Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapFebruary122023Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapFebruary122023Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapFebruary122024Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapFebruary122024Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapFebruary122024Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapJune282026Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapJune282026Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapJune282026Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapMarch132025Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapMarch132025Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapMarch132025Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapMarch132030Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapMarch132030Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapMarch132030Memberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207fnlc:InterestRateSwapApril072023Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:InterestRateSwapApril072023Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207fnlc:InterestRateSwapApril072023Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMemberfnlc:InterestRateSwapApril072024Member2020-09-300000765207us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMemberfnlc:InterestRateSwapApril072024Member2019-12-310000765207us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMemberfnlc:InterestRateSwapApril072024Member2019-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-12-310000765207us-gaap:InterestRateSwapMemberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2019-09-300000765207us-gaap:InterestRateSwapMember2020-01-012020-09-30fnlc:derivative0000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:OtherLiabilitiesMember2020-09-300000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:OtherLiabilitiesMember2019-12-310000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:OtherLiabilitiesMember2019-09-300000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:OtherAssetsMember2020-09-300000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:OtherAssetsMember2019-12-310000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:OtherAssetsMember2019-09-300000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMember2020-09-300000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMember2019-12-310000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanInterestSwapMember2019-09-300000765207us-gaap:NondesignatedMemberfnlc:CustomerLoanSwapsMember2020-09-300000765207fnlc:InterestRateSwapMaturityDatePriortoDecember312021Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:CashFlowHedgingMemberfnlc:InterestRateSwapMaturityDateBeyondDecember312021Memberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207fnlc:ContractWithMaturityDatesDecember192029July12035AndOctober12039Memberus-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasuryAndGovernmentMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasuryAndGovernmentMember2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2020-09-300000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2020-09-300000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2020-09-300000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueInputsLevel1Member2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:FairValueInputsLevel1Member2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:FairValueInputsLevel2Member2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2020-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2020-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasuryAndGovernmentMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasuryAndGovernmentMember2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasuryAndGovernmentMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:USTreasuryAndGovernmentMember2019-12-310000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-12-310000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2019-12-310000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueInputsLevel1Member2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-12-310000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2019-12-310000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:FairValueInputsLevel1Member2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:FairValueInputsLevel2Member2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMember2019-12-310000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-09-300000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2019-09-300000765207us-gaap:MortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueInputsLevel1Member2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2019-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMember2019-09-300000765207us-gaap:InterestRateSwapMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:FairValueInputsLevel1Member2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:FairValueInputsLevel2Member2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMember2019-09-300000765207us-gaap:FairValueMeasurementsRecurringMemberfnlc:CustomerLoanInterestSwapMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2020-09-300000765207us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2020-09-300000765207us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2019-12-310000765207us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-12-310000765207us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2019-09-300000765207us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2019-09-300000765207us-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMember2020-09-300000765207us-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberfnlc:OtherLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:MunicipalPortfolioMember2020-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:FairValueInputsLevel3Memberfnlc:MunicipalPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:HomeEquityLineOfCreditPortfolioMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2020-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMember2019-12-310000765207us-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberfnlc:OtherLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:MunicipalPortfolioMember2019-12-310000765207fnlc:MunicipalPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207fnlc:MunicipalPortfolioMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207fnlc:MunicipalPortfolioMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:FairValueInputsLevel3Memberfnlc:MunicipalPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:HomeEquityLineOfCreditPortfolioMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-12-310000765207us-gaap:CarryingReportedAmountFairValueDisclosureMember2019-09-300000765207us-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:RealEstateLoanMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberfnlc:OtherLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberfnlc:OtherLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:MunicipalPortfolioMember2019-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207fnlc:MunicipalPortfolioMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:FairValueInputsLevel3Memberfnlc:MunicipalPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberfnlc:TermLoanMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:ConstructionLoansMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:ConstructionLoansMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:ResidentialPortfolioSegmentMember2019-09-300000765207us-gaap:CarryingReportedAmountFairValueDisclosureMemberfnlc:HomeEquityLineOfCreditPortfolioMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207fnlc:HomeEquityLineOfCreditPortfolioMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:CarryingReportedAmountFairValueDisclosureMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2019-09-300000765207fnlc:BankBranchBelfastMEMembersrt:ScenarioForecastMember2020-12-31

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 September 30, 2020

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.)

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

(207) 563-3195

Registrant's telephone number, including area code

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 and posted on its corporate Web site,

 if any, every, Interactive Data File required to be submitted and posted 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 and post such files).

Yes ☒    No ☐

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

reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting 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 November 1, 2020

Common Stock: 10,947,662 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)			6
Notes to Consolidated Financial Statements			8
Note 1 – Basis of Presentation			8
Note 2 –Investment Securities			9
Note 3 – Loans			13
Note 4 – Allowance for Loan Losses			24
Note 5 – Stock-Based Compensation			32
Note 6 – Preferred and Common Stock			32
Note 7 – Earnings Per Share			33
Note 8 – Employee Benefit Plans			33
Note 9 - Other Comprehensive Income (Loss)			35
Note 10 - Financial Derivative Instruments			36
Note 11 – Mortgage Servicing Rights			39
Note 12 – Income Taxes			39
Note 13 - Certificates of Deposit			39
Note 14 – Reclassifications			39
Note 15 – Fair Value Disclosures			40
Note 16 – Impact of Recently Issued Accounting Standards			47
Item 2 – Management's Discussion and Analysis of Financial Condition and Results of Operations			49
Forward-Looking Statements			49
Critical Accounting Policies			49
Use of Non-GAAP Financial Measures			50
Executive Summary			52
Net Interest Income			53
Average Daily Balance Sheets			56
Non-Interest Income			57
Non-Interest Expense			57
Income Taxes			57
Investments			57
Impaired Securities			59
Federal Home Loan Bank Stock			61
Loans and Loans Held for Sale			61
Credit Risk Management and Allowance for Loan Losses			63
Non-Performing Loans and Troubled Debt Restructured			67
Impaired Loans			70
Past Due Loans			71
Potential Problem Loans and Loans in Process of Foreclosure			71
Other Real Estate Owned			72
Liquidity Management			73
Deposits			74
Borrowed Funds			74

Shareholders' Equity			74
Off-Balance-Sheet Financial Instruments and Contractual Obligations			75
Item 3 – Quantitative and Qualitative Disclosures About Market Risk			77
Market-Risk Management			77
Asset/Liability Management			77
Interest Rate Risk Management			78
Item 4 - Controls and Procedures			79
Part II. Other Information			80
Item 1 – Legal Proceedings			80
Item 1a – Risk Factors			80
Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds			80
Item 3 – Default Upon Senior Securities			81
Item 4 – Other Information			81
Item 5 – Exhibits			82
Signatures			83