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First Bank (FRBA) investor relations material

First Bank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary23 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $10.2M ($0.41 per diluted share), with ROA at 1.04% and robust loan and deposit growth driven by C&I and owner-occupied segments.

  • Core profitability tracked closer to 1.15% ROA, with new business units and expense containment expected to drive future improvement.

  • Management maintained operating efficiency, with the efficiency ratio below 60% for the 24th consecutive quarter.

  • Credit quality and asset quality remained strong, with low net charge-offs and high coverage of nonperforming loans.

Financial highlights

  • Net interest income rose to $34.0M in Q2 2025, up 11.4% year-over-year and 6% sequentially.

  • Pre-provision net revenue increased $2.9M, up 21% from Q1, with pre-provision net revenue ROA at 1.65% annualized.

  • Noninterest income totaled $2.7M, up from $2M in Q1 and $689K in Q2 2024, reflecting higher loan fees and a $397K gain on a branch sale.

  • Noninterest expenses were $20.9M, up from $20.4M in Q1 and 16.2% higher year-over-year, mainly due to $862K in severance costs.

  • Total assets reached $4.02B, loans $3.33B (up 11% YoY), and deposits $3.17B (up 6.8% YoY).

Outlook and guidance

  • Loan growth is expected to moderate to $50M per quarter in H2 2025, with focus on relationship-building and profitability.

  • Margin expected to remain stable, with upside if deposit costs fall and higher-yielding loans replace lower-yielding assets.

  • Expense management and operating leverage targeted to return noninterest expense/average asset ratio to 1.9–2% range.

  • Anticipate stable effective tax rate, with no material impact from recent legislation.

  • Focus remains on maximizing risk-adjusted returns and scaling for top quartile profitability.

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Frequently asked questions

First Bank is a regional financial institution that provides a variety of banking and financial services to individuals, businesses, and organizations. The bank’s offerings include deposit products such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending services encompass commercial real estate loans, residential mortgages, small business loans, and personal loans. First Bank also provides online and mobile banking, cash management, and other financial solutions to support its customers. The company is headquartered in Hamilton, New Jersey, and its shares are listed on the NASDAQ.

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