The earnings call showcased strong loan and deposit growth, increased net interest income, and a successful debt offering. However, challenges like an elevated loan-to-deposit ratio, rising noninterest expenses, and increased credit loss expense were noted. The sentiment appears balanced between positive financial growth and underlying challenges.

Company Guidance -

Q3 2025

During the Second Quarter 2025 Earnings Call, First Bank provided guidance reflecting strong balance sheet growth, with loans increasing by $90 million and deposits by $50 million. The loan-to-deposit ratio rose to 105% due to loan growth outpacing deposits, a trend the bank plans to address in the second half of the year. Net interest income grew by $1.9 million, or 6% from the previous quarter, while pre-provision net revenue increased by $2.9 million, marking a 21% quarterly growth. The bank reported a 1.04% return on average assets, supported by a $10.2 million net income. Asset quality remained robust, with nonperforming assets declining to 40 basis points of total assets, and an allowance to nonperforming loans coverage of 255%. The bank completed a $35 million subordinated debt offering at a 7.18% interest rate, intending to pay off $30 million of older, higher-rate sub debt. Guidance for the remainder of the year includes a focus on expense management and maintaining stable margins, with potential upside expected from lowering deposit costs and replacing lower-yielding assets with higher-yielding loans.

Strong Loan and Deposit Growth

Loans grew over $90 million, and deposits increased by $50 million during the quarter. Three-fourths of net loan growth was from strategic C&I and owner-occupied segments.

Increased Net Interest Income

Net interest income rose by $1.9 million compared to the previous quarter, marking a 6% linked quarter growth.

Improved Efficiency Ratio

The efficiency ratio improved to 56.24%, remaining below 60% for the 24th consecutive quarter.

Successful Subordinated Debt Offering

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

Asset Quality and Profitability

Allowance to nonperforming loans coverage at 255%, well above industry average, and achieved over 1% ROA in the quarter.

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	$15.58	$15.45	-0.83%
Apr 22, 2025	$14.07	$13.64	-3.06%
Jan 23, 2025	$13.83	$14.33	+3.62%
Oct 23, 2024	$14.79	$14.06	-4.94%

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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