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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.
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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