---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-258515"
form_type: "8-K"
ticker: "FBIZ"
cik: "0001521951"
company_name: "FIRST BUSINESS FINANCIAL SERVICES, INC."
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:19:23.916038+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Business Bank Q3 net income $14.2M, EPS $1.70; loan growth 10.4% annualized

## Summary
- Net income available to common $14.2M, diluted EPS $1.70 vs $1.24 a year ago.
- Loans grew $84.6M (10.4% annualized) from Q2 2025; core deposits up $59M (9.3% annualized).
- Net interest margin stable at 3.68%; record pre-tax pre-provision income of $18.9M, up 22% YoY.
- Tangible book value per share rose 15.6% YoY to $40.16; Private Wealth assets $3.814B.
- Asset quality improved: non-performing assets down 18% from linked quarter to $23.5M.

## SEC filing metadata
- accession: 0001193125-25-258515
- form_type: 8-K
- ticker: FBIZ
- cik: 0001521951
- company_name: FIRST BUSINESS FINANCIAL SERVICES, INC.
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1521951/000119312525258515/0001193125-25-258515-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1521951/000119312525258515/fbiz-20251030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-258515
- JSON: https://secwatch.observer/filing/0001193125-25-258515.json
- Plain text: https://secwatch.observer/filing/0001193125-25-258515.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.