The earnings call presented a balanced view. While there were strong growth metrics in loans, deposits, and net interest income, challenges such as elevated noninterest expenses and a high loan-to-deposit ratio persisted.

Company Guidance

During the Second Quarter 2025 Earnings Call, First Bank reported robust financial growth and strategic developments. Loans increased by over $90 million, primarily driven by the strategic Commercial & Industrial (C&I) and owner-occupied segments, while deposits grew by $50 million, with a significant contribution from noninterest-bearing deposits. The loan-to-deposit ratio rose to 105%, prompting a focus on lowering it in the year's second half. Net interest income rose by $1.9 million, a 6% increase from the previous quarter, while pre-provision net revenue saw a 21% rise, amounting to $2.9 million. The bank achieved a 1.65% annualized return on assets, with credit quality remaining strong, as evidenced by a 255% allowance to nonperforming loans coverage. Despite some noncore items, including a $397,000 gain from a property sale and $862,000 in severance costs, the bank maintained robust profitability with a return on assets exceeding 1%. Looking forward, First Bank aims to leverage its newer business units, contain expenses, and capitalize on a successful $35 million subordinated debt offering at a 7.18% interest rate, one of the year's lowest for community banks.

Strong Loan and Deposit Growth

Loans grew over $90 million during the quarter, and deposits increased by $50 million. The growth was primarily in the C&I and owner-occupied segments.

Net Interest Income and Profitability

Net interest income was up $1.9 million compared to the first quarter, marking a 6% linked quarter growth. Pre-provision net revenue also increased by $2.9 million, a 21% linked quarter growth.

Successful Subordinated Debt Offering

Completed a $35 million subordinated debt offering at a 7.18% interest rate, one of the lowest coupons for a community bank this year.

Asset Quality and Coverage

Allowance to nonperforming loans sits at 255% coverage, which is well above the industry average. NPAs to total assets declined from 42 to 40 basis points.

First Bank (FRBA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FRBA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.46 / -	0.32	―	―	―
Jul 22, 2025	2025 (Q2)	0.42 / 0.41	0.44	-6.82% (-0.03)	―
Apr 22, 2025	2025 (Q1)	0.39 / 0.37	0.5	-26.00% (-0.13)
Jan 23, 2025	2024 (Q4)	0.39 / 0.41	0.33	24.24% (+0.08)
Oct 23, 2024	2024 (Q3)	0.40 / 0.32	-0.05	740.00% (+0.37)	―
Jul 24, 2024	2024 (Q2)	0.40 / 0.44	0.35	25.71% (+0.09)
Apr 22, 2024	2024 (Q1)	0.42 / 0.50	0.36	38.89% (+0.14)	―
Jan 24, 2024	2023 (Q4)	0.39 / 0.33	0.46	-28.26% (-0.13)	―
Oct 25, 2023	2023 (Q3)	0.26 / -0.05	0.52	-109.62% (-0.57)	―
Jul 26, 2023	2023 (Q2)	0.09 / 0.35	0.45	-22.22% (-0.10)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FRBA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$15.52	$15.39	-0.84%
Apr 22, 2025	$14.02	$13.59	-3.07%
Jan 23, 2025	$13.78	$14.27	+3.56%
Oct 23, 2024	$14.73	$14.00	-4.96%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Bank (FRBA) report earnings?

First Bank (FRBA) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is First Bank (FRBA) earnings time?

First Bank (FRBA) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FRBA EPS forecast?

FRBA EPS forecast for the fiscal quarter 2025 (Q3) is 0.46.

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