---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-326079"
form_type: "8-K"
ticker: "FBIZ"
cik: "0001521951"
company_name: "FIRST BUSINESS FINANCIAL SERVICES, INC."
filed_at: "2026-07-30T20:00:37+00:00"
generated_at: "2026-07-30T20:02:24.728732+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Business Bank Q2 2026 EPS $1.84, up 36% YoY; record pre-tax pre-provision income $19.8M

## Summary
- Net income available to common shareholders $15.4M ($1.84 diluted EPS) vs $11.2M ($1.35) in Q2 2025, up 37%.
- Record pre-tax pre-provision income of $19.8M, up 23.7% YoY; operating revenue $46.7M, up 13.8% YoY.
- Loans grew $87.2M (10% annualized) from linked quarter; core deposits up $81.6M (11.7% annualized).
- Net interest margin expanded to 3.78% from 3.56% linked quarter; annual target range maintained at 3.60%-3.65%.
- Company exiting SBA 7(a) lending outside bank market footprint; expects minimal 2026 earnings impact, modest benefit in 2027.

## SEC filing metadata
- accession: 0001193125-26-326079
- form_type: 8-K
- ticker: FBIZ
- cik: 0001521951
- company_name: FIRST BUSINESS FINANCIAL SERVICES, INC.
- filed_at: 2026-07-30T20:00:37+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/1521951/000119312526326079/0001193125-26-326079-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1521951/000119312526326079/fbiz-20260730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-326079
- JSON: https://secwatch.observer/filing/0001193125-26-326079.json
- Plain text: https://secwatch.observer/filing/0001193125-26-326079.txt

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