First Business Bank Reports Second Quarter 2025 Net Income of $11.2 Million

About this update from First Business Financial Services, Inc.

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Translations are provided as an accommodation only, and should be cross-referenced with the source-language text, which is the only version of the text intended to have legal effect. First Business Financial Services, Inc. (the "Company", the "Bank", or "First Business Bank") (Nasdaq:FBIZ) reported quarterly net income available to common shareholders of $11.2 million, or earnings per share ("EPS") of $1.35. This compares to net income available to common shareholders of $11.0 million, or $1.32 per share, in the first quarter of 2025 and $10.2 million, or $1.23 per share, in the second quarter of 2024.","length":791,"tagName":"p"},{"type":"text","content":""First Business Bank’s strong second quarter results demonstrate our consistent ability to drive quality balance sheet and earnings growth," said Corey Chambas, Chief Executive Officer. "We grew loans over 8% and core deposits by 11% by continuing to execute our relationship-based growth strategy. Driven by continued operational efficiency and strong asset quality, we achieved 10% growth in operating revenue, 18% growth in pre-tax, pre-provision earnings, and 17% growth in net income for the first half of 2025 which demonstrates strong execution of our long-term strategic goals. These successes contributed to tangible book value expanding an impressive 14% from the prior year."","length":706,"tagName":"p"},{"type":"text","content":" Quarterly Highlights ","length":20,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":" Robust Deposit Growth. Total deposits, consisting of core deposits and wholesale deposits, grew $62.2 million, or 7.7% annualized, from the linked quarter and $420.0 million, or 14.6%, from the second quarter of 2024. Core deposits grew $70.4 million, or 11.4% annualized, from the linked quarter and $223.5 million, or 9.7%, from the second quarter of 2024.","length":358,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Strong and Consistent Loan Growth. Loans increased $66.9 million, or 8.4% annualized, from the first quarter of 2025, and $266.9 million, or 8.9%, from the second quarter of 2024, reflecting broad-based growth.","length":210,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Stable and Strong Net Interest Margin. The Company's effective match-funding strategy and pricing discipline produced a net interest margin of 3.67%, compared to 3.69% for the linked quarter and 3.65% for the prior year quarter. Net interest income increased 10.6% from the prior year quarter.","length":297,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":" Private Wealth Management Expansion. 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is a non-GAAP financial measure. Management believes these measures are meaningful because they reflect adjustments commonly made by management, investors, regulators, and analysts to evaluate financial performance, provide greater understanding of ongoing operations, and enhance comparability of results with prior periods. See the section titled Non-GAAP Reconciliations at the end of this release for a reconciliation of GAAP financial measures to non-GAAP financial measures.","length":485,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:top;","val":[{"type":"text","content":"2.","length":2,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"width:99%;vertical-align:top;padding-left:0.0px;","val":[{"type":"text","content":"Calculation is annualized.","length":26,"tagName":"p","attribs":{}}]}]}],"length":515},{"type":"text","content":" Second Quarter 2025 Compared to First Quarter 2025 ","length":50,"tagName":"p"},{"type":"text","content":"Net interest income increased $526,000, or 1.6%, to $33.8 million.","length":66,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"The increase in net interest income was driven by higher average loans and leases receivable, partially offset by a decrease in fees in lieu of interest. Average loans and leases receivable grew by $54.0 million, or 6.8% annualized, to $3.240 billion. Fees in lieu of interest, which vary from quarter to quarter based on client-driven activity, totaled $1.7 million, compared to $2.1 million in the prior quarter. Excluding fees in lieu of interest, net interest income increased $905,000, or 2.9%.","length":499,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The yield on average interest-earning assets increased four basis points to 6.65% from 6.61%. Excluding fees in lieu of interest, the yield on average interest-earning assets increased nine basis points to 6.47% from 6.38%.","length":223,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The rate paid for average interest-bearing core deposits increased three basis points to 3.32% from 3.29%. The rate paid for average total bank funding increased six basis points to 3.08% from 3.02%. Total bank funding is defined as total deposits plus Federal Home Loan Bank ("FHLB") advances.","length":304,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Net interest margin was 3.67% compared to 3.69% for the linked quarter. Adjusted net interest margin 1 was 3.47%, up one basis point compared to 3.46% in the linked quarter. The increase in adjusted net interest margin was driven by an increase in the yield on interest-earning assets partially offset by an increase in rate paid on total bank funding.","length":351,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The Company maintains a long-term target for net interest margin in the range of 3.60% - 3.65%. Performance in future quarters will vary due to factors such as the level of fees in lieu of interest and the timing, pace, and scale of future interest rate changes.","length":262,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1639,"olType":false},{"type":"text","content":"The Bank reported provision for credit losses of $2.7 million in both periods of comparison. The current quarter provision was primarily driven by an increase in general reserves due to a deterioration in the economic outlook in our model forecast, an increase in qualitative factors, and loan growth; partially offset, by a decrease in specific reserve requirements.","length":367,"tagName":"p"},{"type":"text","content":"Non-interest income decreased $324,000, or 4.3%, to $7.3 million.","length":65,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Private wealth fee income increased $256,000, or 7.3% to $3.7 million. Private Wealth assets under management and administration measured $3.731 billion on June 30, 2025, up $306.1 million, or 35.8% annualized from the prior quarter. Fee income is based on overall asset levels and may vary based on seasonal activity and the timing of fluctuations in market values.","length":366,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Gains on sale of SBA loans decreased $566,000, or 58.77%, to $397,000. Gain on sale of SBA loans varies period to period based on the amount of closed and fully funded loans. While quarterly gains may vary, management expects SBA loan production to continue growing year-over-year.","length":281,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Cash surrender value of bank-owned life insurance increased $178,000 or 40.7%, to $615,000 primarily due to the purchase of new policies totaling $24.5 million.","length":160,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Other non-interest income decreased $340,000 or 29.9% to $798,000. The decrease was primarily due to lower returns on the Company’s investments in Small Business Investment Company ("SBIC") funds. Income from SBIC funds was $200,000 in the second quarter, compared to $569,000 in the linked quarter. Income from SBIC funds varies from period to period based on changes in the realized and unrealized fair value of underlying investments.","length":447,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1254,"olType":false},{"type":"text","content":"Non-interest expense decreased $249,000, or 1.0%, to $25.0 million, while operating expense decreased $406,000, or 1.6%, to $25.0 million.","length":138,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Compensation expense was $16.5 million, reflecting a decrease of $213,000, or 1.3%, from the linked quarter due to payroll taxes paid in the prior quarter on the annual cash bonus payout, partially offset by an expanded workforce. Average full-time equivalents ("FTEs") for the second quarter of 2025 were 364, up from 353 in the linked quarter.","length":355,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":355,"olType":false},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"2","rowspan":"1","style":"vertical-align:top;","val":[{"type":"text","content":"_______________________","length":23,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:top;","val":[{"type":"text","content":"1.","length":2,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:0.0px;","val":[{"type":"text","content":"Adjusted net interest margin is a non-GAAP measure representing net interest income excluding fees in lieu of interest and other recurring, but volatile, components of net interest margin divided by average interest-earning assets less other recurring, but volatile, components of average interest-earning assets.","length":313,"tagName":"p","attribs":{}}]}]}],"length":338},{"type":"list","items":[{"val":[{"type":"text","content":"Data processing expense was $1.4 million, increasing $286,000, or 26.4%, from the linked quarter primarily due to annual expense related to tax processing on behalf of the Bank’s Private Wealth clients and elevated non-recurring credit card fees.","length":246,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":246,"olType":false},{"type":"text","content":"Income tax expense decreased $340,000 to $1.9 million. The effective tax rate was 14.6% for the three months ended June 30, 2025, compared to 17.0% for the linked quarter. The decrease in tax expense reflects updated tax credit partnership estimates, increased investment in bank-owned life insurance, and net benefit from quarterly discrete items. The effective tax rate for the six months ended June 30, 2025 was 15.8%. The Company expects to report an effective tax rate between 16% and 18% for 2025.","length":503,"tagName":"p"},{"type":"text","content":"Total period-end loans and leases receivable increased $66.9 million, or 8.4% annualized, to $3.252 billion. The average rate earned on average loans and leases receivable was 6.99%, up five basis points from 6.94% in the prior quarter. Excluding fees in lieu of interest, the average rate earned on average loans and leases receivable was 6.78%, up 10 basis points from 6.68% in the prior quarter.","length":398,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Commercial Real Estate ("CRE") loans increased by $37.2 million, or 7.8% annualized, to $1.947 billion, primarily due to an increase in multi-family loans in our southern Wisconsin markets.","length":199,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"C&I loans increased $30.1 million, or 9.79% annualized, to $1.259 billion. The increase was due to growth across our bank markets and niche lending areas.","length":158,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":357,"olType":false},{"type":"text","content":"Total period-end core deposits increased $70.4 million, or 11.4% annualized, to $2.533 billion, compared to $2.463 billion. The average rate paid was 2.75%, up 4 basis points from 2.71% in the prior quarter.","length":207,"tagName":"p"},{"type":"text","content":"Period-end wholesale funding, including FHLB advances and brokered deposits, decreased $18.7 million, or 1.8%, to $993.5 million. Consistent with the Bank’s long-held philosophy to minimize exposure to interest rate risk, management will continue to utilize the most efficient and cost-effective source of wholesale funds to match-fund fixed-rate loans, as necessary.","length":367,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Wholesale deposits decreased $8.2 million, or 4.2%, to $772.1 million, compared to $780.3 million. The average rate paid on wholesale deposits decreased one basis point to 4.02% and the weighted average original maturity remained flat at 4.1 years.","length":248,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"FHLB advances decreased $10.5 million, or 4.5%, to $221.4 million, compared to $231.9 million. The average rate paid on FHLB advances increased 21 basis points to 3.32% and the weighted average original maturity increased to 5.5 years from 5.4 years.","length":250,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":498,"olType":false},{"type":"text","content":"Non-performing assets increased $4.6 million to $28.7 million, or 0.72% of total assets, increasing as a percentage of total assets from 0.61% in the prior quarter. The increase is primarily driven by one new non-accrual loan in the transportation and logistics segment of the C&I portfolio, partially offset by charge-offs of previously reserved equipment finance loans and paydowns on non-accrual C&I loans. We continue to expect full repayment of the previously disclosed Asset-Based Lending ("ABL") loan that defaulted during the second quarter of 2023. The liquidation process under Chapter 7 bankruptcy and related litigation has delayed final resolution. The current balance of this loan is $6.1 million, down slightly from the linked quarter. Excluding this ABL loan, non-performing assets totaled $22.6 million, or 0.56% of total assets in the current quarter and $17.9 million, or 0.45% of total assets in the linked quarter.","length":953,"tagName":"p"},{"type":"text","content":"The allowance for credit losses, including the unfunded credit commitments reserve, increased $1.7 million, or 4.6%, primarily due to increases in general reserves driven by deterioration in the economic outlook in our model forecast, changes in qualitative factors, and loan growth partially offset by a decrease in specific reserves. The allowance for credit losses, including unfunded credit commitment reserves, as a percent of total gross loans and leases was 1.18% compared to 1.15% in the prior quarter.","length":510,"tagName":"p"},{"type":"text","content":" Second Quarter 2025 Compared to Second Quarter 2024 ","length":51,"tagName":"p"},{"type":"text","content":"Net interest income increased $3.2 million, or 10.6%, to $33.8 million.","length":71,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"The increase in net interest income primarily reflects an increase in average gross loans and leases, as well as an increase in fees in lieu of interest. Fees in lieu of interest increased to $1.7 million from $1.3 million. Excluding fees in lieu of interest, net interest income increased $2.9 million, or 9.8%.","length":312,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The yield on average interest-earning assets decreased 27 basis points to 6.65% from 6.92%. Excluding fees in lieu of interest, the yield on average interest-earning assets measured 6.47% compared to 6.76%. This decrease in yield was primarily due to the decrease in short-term market rates partially offset by the reinvestment of cash...

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