Strong Financial Performance by First Bancshares, Inc. Amid Growth

Author: Ryan Hughes Updated: 10-08-2025 06:57 PM

First Bancshares, Inc. Financial Results Highlighting Growth

First Bancshares, Inc. (OTCQX: FBSI), the parent company of Stockmens Bank, has reported significant financial results for the third quarter of 2025, showcasing a strong upward trajectory. The bank's growth is reflected in various financial metrics, emphasizing their operational efficiency and commitment to their stakeholders.

Quarterly Highlights

In the third quarter of 2025, First Bancshares recorded an after-tax net income of $2,008,000, translating to earnings of $0.83 per share-diluted. This marks a considerable increase from the $1,576,000 net income or $0.65 per share-diluted from the same period in 2024. Such performance indicates an annualized after-tax return on assets of 1.43% and an impressive annual return on equity of 12.57%.

Asset Growth and Stability

From September 2024 to September 2025, First Bancshares’ consolidated total assets grew by 10.6%, reaching $572.3 million. This growth is further complemented by a 27.5% increase in cash and cash equivalents totaling $62.9 million, and a 10.2% rise in net loans, amounting to $465.8 million. The bank's continued avoidance of brokered deposits exemplifies its strong deposit health, showing an increase of 8.9% in total deposits to $493.2 million. Furthermore, stockholders' equity rose by 11.3%, reaching a total of $64.4 million.

Consistent Improvement Across Financial Metrics

Throughout the quarter, First Bancshares demonstrated ongoing improvements across several key financial categories. Notably, the company's earnings ratios achieved record-high levels, with deposit growth stemming from solid, relationship-driven banking practices. This prudent liquidity management facilitated the deployment of excess liquidity into high-quality loan assets, fostering an enhancement in asset quality, which is reported to be near-zero levels.

Regulatory Compliance

Moreover, First Bancshares satisfies all regulatory requirements, achieving a status of 'well-capitalized.' This indicates a robust capital position supportive of sustained operational expansion.

Overview of First Bancshares, Inc.

Recognized as the holding company for Stockmens Bank, First Bancshares, Inc. operates as a FDIC-insured commercial bank, chartered by the State of Colorado. It maintains its main office in Colorado Springs and operates several full-service locations in Missouri. As part of its commitment to providing quality financial services, the bank emphasizes customer satisfaction and creating long-lasting relationships with clients.

Contact Information

For further information, contact:
Robert M. Alexander,
Chairman and CEO
(719) 955-2800

Frequently Asked Questions

What is the latest earnings report for First Bancshares, Inc.?

For the third quarter of 2025, the company reported a net income of $2,008,000 or $0.83 per share-diluted.

How much did total assets increase from 2024 to 2025?

Total assets increased by 10.6%, reaching $572.3 million.

What was the increase in the deposit portfolio?

The deposit portfolio grew by 8.9% to $493.2 million over the year.

Does First Bancshares meet regulatory capital requirements?

Yes, the bank meets all regulatory requirements for a 'well-capitalized' status.

Who can I contact for more information about First Bancshares?

You can contact Robert M. Alexander, Chairman and CEO, at (719) 955-2800 for more details.

About The Author

Hello, my name is Ryan Hughes. I am a financial, economics, and stock market specialist committed to assisting people in negotiating the intricacies of the financial system. Having a great deal of experience and a thorough grasp of market dynamics and economic trends, my area of expertise is converting complex financial ideas into understandable, practical knowledge. By use of my articles and blog entries, I hope to give you the information and assurance you need to make wise financial choices.

I've had the honor of interacting with a wide range of readers as a writer for several financial blogs, from new investors to seasoned market participants. To enable you to reach your financial goals, I want to make finance, economics, and stock market trends understandable and approachable. I appreciate you traveling with me toward success and financial literacy.

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