---
title: "First Bancshares, Inc. Announces Operating Results for Quarter Ended June 30, 2025 | FBSI Stock News"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/248226696.md"
description: "First Bancshares, Inc. reported its unaudited financial results for Q2 2025, showing an after-tax net income of $1.824 million ($0.75 per share), up from $1.630 million ($0.67 per share) in Q2 2024. Total assets increased to $544.1 million, with significant growth in cash, loans, and deposits. The company maintains a strong balance sheet and meets all regulatory requirements for \"well-capitalized\" status. The report highlights robust liquidity and improved asset quality, positioning the company for future growth opportunities."
datetime: "2025-07-12T00:00:00.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/248226696.md)
  - [en](https://longbridge.com/en/news/248226696.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/248226696.md)
generator: "portal-rs"
---

# First Bancshares, Inc. Announces Operating Results for Quarter Ended June 30, 2025 | FBSI Stock News

07/11/2025 - 08:00 PM

MOUNTAIN GROVE, Mo., July 11, 2025 (GLOBE NEWSWIRE) -- First Bancshares, Inc. (OTCQX: FBSI) (“Company”), the holding company for Stockmens Bank (“Bank”), today announced its unaudited financial results for the quarter ended June 30, 2025.

For the second quarter of 2025, the Company reported after-tax net income of $1,824,000 or $0.75 per share-diluted compared to $1,630,000 or $0.67 per share-diluted for the same period in 2024. Net income for the second quarter of 2025 represents an after-tax return on average assets of 1.36% and an after-tax return on equity of 11.82%. These earnings ratios repeated their recent trend of outperformance despite an atypical $7.5 million increase in asset size due to an arbitrage play and strategic stockpiling of capital reserves.

Since June 30, 2024, the Company experienced growth in all major balance sheet categories aside from investment securities with consolidated total assets increasing $27.3 million to $544.1 million, cash & cash equivalents increasing $13.0 million to $55.8 million, and net loans receivable increasing $15.9 million to $445.3 million. Total deposits increased $13.4 million to $468.3 million, and stockholders’ equity increased $6.3 million to $62.3 million.

Through the second quarter of 2025, the Company has made significant efforts to fortify its balance sheet. Liquidity remains robust with excess cash being deployed into high-quality loan assets, earning asset yields rose, costs of funds has been kept in check, asset quality improved from already impressive levels, and capital ratios developed to a level that affords the Company the flexibility to pursue growth opportunities as they arise.

The Bank meets all regulatory requirements for “well-capitalized” status.

**About the Company**

First Bancshares, Inc. is the holding company for Stockmens Bank, a FDIC-insured commercial bank chartered by the State of Colorado that conducts business from its home office in Colorado Springs, Colorado, and eight full-service Missouri offices in Mountain Grove, Marshfield, Ava, Kissee Mills, Gainesville, Crane, Hartville and Springfield, and full-service offices in Bartley, Nebraska and Akron, Colorado.

**Cautionary Note Regarding Forward-Looking Statements**

The Company and its wholly owned subsidiary, Stockmens Bank, may from time to time make written or oral “forward-looking statements” in its reports to shareholders, and in other communications by the Company, which are made in good faith by the Company pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.

These forward-looking statements include statements with respect to the Company’s beliefs, expectations, estimates and intentions that are subject to significant risks and uncertainties, and are subject to change based on various factors, some of which are beyond the Company’s control. Such statements address the following subjects: future operating results; customer growth and retention; loan and other product demand; earnings growth and expectations; new products and services; credit quality and adequacy of reserves; results of examinations by our bank regulators, technology, and our employees. The following factors, among others, could cause the Company’s financial performance to differ materially from the expectations, estimates and intentions expressed in such forward-looking statements: the strength of the United States economy in general and the strength of the local economies in which the Company conducts operations; the effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; inflation, interest rate, market, and monetary fluctuations; the timely development and acceptance of new products and services of the Company and the perceived overall value of these products and services by users; the impact of changes in financial services’ laws and regulations; technological changes; acquisitions; changes in consumer spending and savings habits; and the success of the Company at managing and collecting assets of borrowers in default and managing the risks of the foregoing.

The foregoing list of factors is not exclusive. The Company does not undertake, and expressly disclaims any intent or obligation, to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company.

Contact: Robert M. Alexander, Chairman and CEO - (719) 955-2800

**First Bancshares, Inc. and Subsidiaries**

**Financial Highlights**

(unaudited)

(In thousands, except per share amounts)

Quarter Ended

Six Months Ended

June 30,

June 30,

2025

2024

2025

2024

**Operating Data:**

Total interest income

$

8,407

$

8,013

$

16,371

$

16,154

Total interest expense

2,411

2,689

4,721

5,486

Net interest income

5,996

5,324

11,650

10,668

Provision for credit losses

61

141

239

343

Net interest income after provision for credit losses

5,935

5,183

11,411

10,325

Gain (loss) on sale of investments

-

-

-

-

Non-interest income

474

410

835

786

Non-interest expense

4,014

3,434

7,597

6,757

Income before taxes

2,395

2,159

4,649

4,354

Income tax expense

571

529

1,133

1,071

Net income

$

1,824

$

1,630

$

3,516

$

3,283

Earnings per share

$

0.75

$

0.67

$

1.46

$

1.35

At

At

At

June 30,

December 31,

June 30,

**Financial Condition Data:**

2025

2024

2024

Cash and cash equivalents

$

55,758

$

68,570

$

42,769

(excludes CDs)

Investment securities

13,421

13,066

12,966

(includes CDs)

Loans receivable, net

445,372

423,657

429,444

Goodwill and intangibles

1,443

1,515

1,586

Total assets

544,072

537,885

516,784

Deposits

468,345

472,596

454,992

Repurchase agreements

1,102

1,084

1,601

Borrowings

7,500

-

-

Stockholders' equity

62,336

59,562

56,037

Book value per share

$

25.68

$

24.53

$

23.08

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**