{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-024791","form_type":"8-K","ticker":"BFST","cik":"0001624322","company_name":"Business First Bancshares, Inc.","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.477987+00:00","generated_at":"2026-06-23T00:50:53.116469+00:00","sec_items":["2.02","7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Business First Q3 net income $13.8M, EPS $0.61; core EPS rises to $0.72","bullets":["Loans held for investment grew $316.2M (7.69% QoQ) to $4.4B; annualized 30.74%.","Net interest margin expanded to 4.05% from 3.98% QoQ; core NIM 3.92%.","Nonperforming loans ratio fell to 0.25% from 0.42% QoQ, aided by a $6.3M loan payoff.","Completed $72M private placement of 7.50% fixed-to-floating non-cumulative perpetual preferred stock on Sept 1, 2022.","Quarterly dividend maintained at $0.12 per share; payable Nov 30, 2022 to holders of record Nov 15, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-024791","json":"https://secwatch.observer/filing/0001437749-22-024791.json","markdown":"https://secwatch.observer/filing/0001437749-22-024791.md","text":"https://secwatch.observer/filing/0001437749-22-024791.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1624322/000143774922024791/0001437749-22-024791-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1624322/000143774922024791/bfbi20221024_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:50:53.116469+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"}