For the quarter ending 2026-03-31.
| Income Statement | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Loan fees | 0 | -249 | 501 | 424 |
| Net loss on sale of securities | 0 | 0* | 0 | 0 |
| Private wealth management service fees | 3,877 | 3,789 | 3,687 | 3,748 |
| Gain on sale of small business administration loans | 592 | 140 | 382 | 397 |
| Service charges on deposits | 1,318 | 1,849* | 1,151 | 1,103 |
| Bank-owned life insurance income | 757 | 738 | 965 | 615 |
| Swap fees | 628 | 738 | 974 | 170 |
| Other non-interest income | 1,167 | 458 | 1,980 | 798 |
| Total non-interest income | 8,775 | 7,463 | 9,640 | 7,255 |
| Loans and leases | 56,308 | 56,916 | 58,500 | 56,621 |
| Securities | 4,245 | 4,177 | 4,011 | 3,783 |
| Short-term investments | 1,343 | 1,659 | 1,235 | 878 |
| Total interest income | 61,896 | 62,752 | 63,746 | 61,282 |
| Deposits | 23,928 | 25,597 | 26,338 | 24,257 |
| Federal home loan bank advances and other borrowings | 2,450 | 2,393 | 2,522 | 3,241 |
| Total interest expense | 26,378 | 27,990 | 28,860 | 27,498 |
| Net interest income | 35,518 | 34,762 | 34,886 | 33,784 |
| Provision for credit losses | 2,960 | 1,855 | 1,440 | 2,701 |
| Net interest income after provision for credit losses | 32,558 | 32,907 | 33,446 | 31,083 |
| Compensation | 18,541 | 17,151 | 17,442 | 16,534 |
| Occupancy | 588 | 582 | 567 | 564 |
| Professional fees | 1,446 | 1,001 | 1,071 | 1,487 |
| Data processing | 1,270 | 1,159 | 1,123 | 1,368 |
| Marketing | 711 | 938 | 876 | 1,062 |
| Equipment | 407 | 374 | 296 | 335 |
| Computer software | 1,921 | 1,902 | 1,826 | 1,656 |
| Fdic insurance | 909 | 800 | 817 | 834 |
| Other non-interest expense | 1,160 | 225 | 1,682 | 1,128 |
| Total non-interest expense | 26,953 | 24,132 | 25,700 | 24,968 |
| Income before income tax expense | 14,380 | 16,238 | 17,386 | 13,370 |
| 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 | 2,180 | 2,905 | 2,993 | 1,948 |
| Net income | 12,200 | 13,333 | 14,393 | 11,422 |
| Preferred stock dividend | 219 | 219 | 218 | 219 |
| Net income available to common shareholders | 11,981 | 13,114 | 14,175 | 11,203 |
| Basic EPS | 1.44 | 1.601 | 1.7 | 1.35 |
| Diluted EPS | 1.44 | 1.601 | 1.7 | 1.35 |
| Basic Average Shares | 8,186,174 | 8,189,526 | 8,171,404 | 8,141,159 |
| Diluted Average Shares | 8,186,174 | 8,189,526 | 8,171,404 | 8,141,159 |
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)