)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
Business First Bancshares (BFST) investor relations material
Business First Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income available to common shareholders was $20.8M ($0.70 per diluted share) in Q2 2025, up $1.6M and $0.05 sequentially, with core net income at $19.5M ($0.66 per share).
Total assets reached $7.95B, loans $6.05B, and deposits $6.42B as of Q2 2025, with a diversified commercial-focused footprint.
Completed Oakwood Bancshares acquisition and announced a definitive agreement to acquire Progressive Bancorp, strengthening North Louisiana presence.
Achieved 1.01% core ROAA and 10.23% core ROACE for Q2 2025, reflecting stable profitability.
Recognized for workplace excellence and community impact, with 2,134 volunteer hours YTD.
Financial highlights
Net interest margin held steady at 3.68% GAAP and 3.64% core; net interest income for Q2 was $67.0M, up from $66.0M sequentially.
Tangible book value per share increased to $21.61, up 3.7% sequentially and 6.5% from year-end 2024.
Total loans held for investment grew 1.1% to $6.0B; commercial and CRE loans increased by $98.8M and $61.6M, respectively.
Deposits decreased $38.5M (0.6%) for the quarter, mainly due to a branch sale; excluding the sale, deposits increased $12.1M.
Noninterest income rose 28.2% year-over-year, driven by a $3.4M gain on a branch sale and higher swap fee income.
Outlook and guidance
Management expects continued organic loan and deposit growth, prudent capital management, and integration of recent and pending acquisitions.
Margin improvement of 4–6 bps anticipated for the rest of the year, with timing dependent on liquidity and loan repricing.
Modest increase in core noninterest expense expected in Q3, with cost savings from Oakwood integration to begin in Q4.
Interest rate risk, credit quality, and integration of acquisitions are key management focus areas.
The company remains well-capitalized and in compliance with all regulatory capital requirements.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Business First Bancshares earnings date
Q3 202523 Oct, 2025
Next Business First Bancshares earnings date
Q3 202523 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
)
Edge19 Sep 2025
American Express: An Empire of Plastic
How history, brand, and structure have steadily built American Express' moat, and why Warren Buffett still calls it a one-of-a-kind business.
Frequently asked questions
Business First Bancshares, Inc. is a bank holding company that operates through its primary subsidiary, b1BANK. The company offers a range of financial services including personal and business banking, commercial loans, mortgages, and treasury management solutions. It serves customers across Louisiana and Texas through a network of branches and other financial service outlets, focusing on supporting small to medium-sized businesses, professionals, and individuals. The company is headquartered in Baton Rouge, Louisiana, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage