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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$528K
Net Income
$15,580K
Net Profit Margin
2950.76%
EPS
$1.84
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loan fees
528
0
-249
501
Net loss on sale of securities
-
0
0*
0
Private wealth management service fees
4,257
3,877
3,789
3,687
Gain on sale of small business administration loans
0
592
140
382
Service charges on deposits
1,336
1,318
1,849*
1,151
Bank-owned life insurance policy income
757
757
738
965
Swap fees
162
628
738
974
Other non-interest income
1,529
1,167
458
1,980
Total non-interest income
8,569
8,775
7,463
9,640
Loans and leases
60,010
56,308
56,916
58,500
Securities
4,220
4,245
4,177
4,011
Short-term investments
791
1,343
1,659
1,235
Total interest income
65,021
61,896
62,752
63,746
Deposits
23,105
23,928
25,597
26,338
Federal home loan bank advances and other borrowings
3,774
2,450
2,393
2,522
Total interest expense
26,879
26,378
27,990
28,860
Net interest income
38,142
35,518
34,762
34,886
Provision for credit losses
2,066
2,960
1,855
1,440
Net interest income after provision for credit losses
36,076
32,558
32,907
33,446
Compensation
18,462
18,541
17,151
17,442
Occupancy
638
588
582
567
Professional fees
1,493
1,446
1,001
1,071
Data processing
1,482
1,270
1,159
1,123
Marketing
840
711
938
876
Equipment
351
407
374
296
Computer software
1,958
1,921
1,902
1,826
Fdic insurance
819
909
800
817
Other non-interest expense
1,806
1,160
225
1,682
Total non-interest expense
27,849
26,953
24,132
25,700
Income before income tax expense
16,796
14,380
16,238
17,386
Tax expense at statutory federal rate of 21
-
-
3,545*
-
State income tax, net of federal effect
-
-
301*
-
Low-income housing tax credits
-
-
440*
-
Other
-
-
82*
-
Tax-exempt security and loan income, net of tefra adjustment
-
-
-296*
-
Other
-
-
-113*
-
Other adjustments
-
-
-9*
-
Income tax expense
1,216
2,180
2,905
2,993
Net income
15,580
12,200
13,333
14,393
Preferred stock dividend
-
219
219
218
Net income available to common shareholders
-
11,981
13,114
14,175
Basic EPS
1.84
1.44
1.601
1.7
Diluted EPS
1.84
1.44
1.601
1.7
Basic Average Shares
8,208,002
8,186,174
8,189,526
8,171,404
Diluted Average Shares
8,208,002
8,186,174
8,189,526
8,171,404
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans and leases
$60,010K
(5.99%↑ Y/Y)
Securities
$4,220K
(11.55%↑ Y/Y)
Short-term investments
$791K
(-9.91%↓ Y/Y)
Total interest income
$65,021K
(6.10%↑ Y/Y)
Net interest income
$38,142K
(12.90%↑ Y/Y)
Private wealth
management service fees
$4,257K
(13.58%↑ Y/Y)
Other non-interest
income
$1,529K
(91.60%↑ Y/Y)
Service charges on
deposits
$1,336K
(21.12%↑ Y/Y)
Bank-owned life insurance
policy income
$757K
(23.09%↑ Y/Y)
Loan fees
$528K
(24.53%↑ Y/Y)
Swap fees
$162K
(-4.71%↓ Y/Y)
Total interest
expense
$26,879K
(-2.25%↓ Y/Y)
Net interest income
after provision for...
$36,076K
(16.06%↑ Y/Y)
Total non-interest
income
$8,569K
(18.11%↑ Y/Y)
Provision for credit
losses
$2,066K
(-23.51%↓ Y/Y)
Deposits
$23,105K
(-4.75%↓ Y/Y)
Federal home loan bank
advances and other...
$3,774K
(16.45%↑ Y/Y)
Income before income
tax expense
$16,796K
(25.62%↑ Y/Y)
Total non-interest
expense
$27,849K
(11.54%↑ Y/Y)
Net income
$15,580K
(36.40%↑ Y/Y)
Income tax expense
$1,216K
(-37.58%↓ Y/Y)
Compensation
$18,462K
(11.66%↑ Y/Y)
Computer software
$1,958K
(18.24%↑ Y/Y)
Other non-interest
expense
$1,806K
(60.11%↑ Y/Y)
Professional fees
$1,493K
(0.40%↑ Y/Y)
Data processing
$1,482K
(8.33%↑ Y/Y)
Marketing
$840K
(-20.90%↓ Y/Y)
Fdic insurance
$819K
(-1.80%↓ Y/Y)
Occupancy
$638K
(13.12%↑ Y/Y)
Equipment
$351K
(4.78%↑ Y/Y)
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FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)