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  <xs:element id="fnlc_FinancingReceivableInformationByTypeOfReserveDomain" abstract="true" name="FinancingReceivableInformationByTypeOfReserveDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_SpecificReservesOnLoansEvaluatedIndividuallyForImpairmentMember" abstract="true" name="SpecificReservesOnLoansEvaluatedIndividuallyForImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember" abstract="true" name="GeneralReservesBasedOnHistoricalLossExperienceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_ReserveForQualitativeFactorsNettingMember" abstract="true" name="ReserveForQualitativeFactorsNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_RiskRatedMember" abstract="true" name="RiskRatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_A2020EquityIncentivePlanMember" abstract="true" name="A2020EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostRecognizedAndNotYetRecognized" abstract="false" name="EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostRecognizedAndNotYetRecognized" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_YearAwarded2024Member" abstract="true" name="YearAwarded2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_YearAwarded2025Member" abstract="true" name="YearAwarded2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_YearAwarded2026Member" abstract="true" name="YearAwarded2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_ThreeYearsMember" abstract="true" name="ThreeYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_OneYearMember" abstract="true" name="OneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_SixMonthsMember" abstract="true" name="SixMonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_TwoMonthsTwelveDaysMember" abstract="true" name="TwoMonthsTwelveDaysMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_CapitalPurchaseProgramMember" abstract="true" name="CapitalPurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" abstract="false" name="DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnlc_PostEmploymentPlanSupplementalBenefitsPaymentPeriodUponRetirementOrDeath" abstract="false" name="PostEmploymentPlanSupplementalBenefitsPaymentPeriodUponRetirementOrDeath" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fnlc_NumberOfPostRetirementBenefitPlans" abstract="false" name="NumberOfPostRetirementBenefitPlans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" abstract="false" name="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" abstract="false" name="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_EffectOfOnePercentagePointIncreaseOnInterestCostComponents" abstract="false" name="EffectOfOnePercentagePointIncreaseOnInterestCostComponents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_EffectOfOnePercentagePointIncreaseOnServiceCostComponents" abstract="false" name="EffectOfOnePercentagePointIncreaseOnServiceCostComponents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" abstract="false" name="AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember" abstract="true" name="AccumulatedNetGainLossonSecuritiesTransferredfromAvailableforSaletoHeldtoMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateSwapJanuary012026Member" abstract="true" name="InterestRateSwapJanuary012026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateSwapMarch012026Member" abstract="true" name="InterestRateSwapMarch012026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateSwapMarch012027Member" abstract="true" name="InterestRateSwapMarch012027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateSwapMarch012028Member" abstract="true" name="InterestRateSwapMarch012028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateSwapAugust012025Member" abstract="true" name="InterestRateSwapAugust012025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateCapJuly012028At4.050Member" abstract="true" name="InterestRateCapJuly012028At4.050Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateCapJuly012028At4.550Member" abstract="true" name="InterestRateCapJuly012028At4.550Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateCapMarch012029At3.750Member" abstract="true" name="InterestRateCapMarch012029At3.750Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_InterestRateCapMarch012030At4.250Member" abstract="true" name="InterestRateCapMarch012030At4.250Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_CustomerLoanInterestSwapMember" abstract="true" name="CustomerLoanInterestSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_DerivativeSwapTypeAxis" abstract="true" name="DerivativeSwapTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fnlc_DerivativeSwapTypeDomain" abstract="true" name="DerivativeSwapTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_PayFixedReceiveVariableMember" abstract="true" name="PayFixedReceiveVariableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_ReceiveFixedPayVariableMember" abstract="true" name="ReceiveFixedPayVariableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_MovingAverageOfWeeklyPrepaymentData" abstract="false" name="MovingAverageOfWeeklyPrepaymentData" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" abstract="false" name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" abstract="false" name="ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_MortgageServicingRightsGross" abstract="false" name="MortgageServicingRightsGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_AccumulatedAmortizationMortgageServicingRights" abstract="false" name="AccumulatedAmortizationMortgageServicingRights" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_TimeDepositsGreaterThan100000AndLessThan250000" abstract="false" name="TimeDepositsGreaterThan100000AndLessThan250000" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_TimeDeposits250000OrMore" abstract="false" name="TimeDeposits250000OrMore" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_ImpairedFinancingReceivableRelatedAllowanceMeasuredatFairValue" abstract="false" name="ImpairedFinancingReceivableRelatedAllowanceMeasuredatFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_ImpairedLoansFairValueDisclosure" abstract="false" name="ImpairedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnlc_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnlc_NationalCertificatesOfDeposit" abstract="false" name="NationalCertificatesOfDeposit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
