{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-009742","form_type":"8-K","ticker":"BFST","cik":"0001624322","company_name":"Business First Bancshares, Inc.","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:01.527181+00:00","generated_at":"2026-06-26T04:40:39.350574+00:00","sec_items":["2.02","7.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Business First Q1 net income $8.7M ($0.41 EPS) down from Q4; completes Texas Citizens acquisition","bullets":["Net income $8.7M ($0.41 diluted EPS) vs $12.1M ($0.59) in Q4 2021; core EPS $0.49.","Completed Texas Citizens acquisition on March 1, adding $534M assets, $349M loans, $477M deposits.","Total loans $3.7B, up 17.5% QoQ; organic loan growth annualized 25.7% excluding PPP and Texas Citizens.","NIM stable at 3.51% (3.43% non-GAAP); credit quality improved: NPL ratio 0.29% vs 0.41%.","Dividend $0.12/share declared, same as prior quarter; payable May 31 to holders of record May 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-009742","json":"https://secwatch.observer/filing/0001437749-22-009742.json","markdown":"https://secwatch.observer/filing/0001437749-22-009742.md","text":"https://secwatch.observer/filing/0001437749-22-009742.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1624322/000143774922009742/0001437749-22-009742-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1624322/000143774922009742/bfbi20220425_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:40:39.350574+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}