Business First Bancshares Inc
b1bank.comWhat Do They Do?
Provides banking services, including commercial loans and deposit accounts, to small-to-midsized businesses and their owners, professionals, and individuals in Louisiana and Texas.
10-K for FY2025, filed Feb 26, 2026Business First Bancshares, Inc. is a financial holding company headquartered in Baton Rouge, Louisiana, and the parent company of b1BANK…View ↗
b1BANK is an independent financial institution that is engaged in substantially all of the business operations customarily conducted by…View ↗
As a business-focused community-based financial institution, we offer a variety of business-related loans, including commercial lines of…View ↗
How Do They Make Money?
Earns most revenue from interest on loans and securities, plus customer-service and loan fees. Service fees are typically billed and collected after the services are provided.
10-K for FY2025, filed Feb 26, 2026
$10.7M
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10-K for FY2025, filed Feb 26, 2026
$10.7M ↗
Who Are Their Customers?
Small-to-midsized businesses, their owners and employees, professionals, and individuals use b1BANK’s banking centers and loan production offices; its bankers originate lending in the markets it serves.
10-K for FY2025, filed Feb 26, 2026Business First Bancshares, Inc. is a financial holding company headquartered in Baton Rouge, Louisiana, and the parent company of b1BANK…View ↗
Our banking operations are currently organized into three regions in Louisiana, which include the largest metropolitan areas in the state…View ↗
As a business-focused community-based financial institution, we offer a variety of business-related loans, including commercial lines of…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 860 cents into free cash flow.
How Are They Changing?
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Jul 23, 2026
Acquired financial consulting firm American Planning Corporation
The firm joined SSW, expanding its advisory platform to serve SSW and b1 Financial Services Group clients nationwide.
Sources
8-K, filed Jul 23, 2026
Consistent Core Performance. Return to common shareholders on average assets, on an annualized basis, was 1.03% for the quarter ended June…View ↗
Growing. Revenue grew 57% in 4 years, from $6.8M in FY2021 to $10.7M in FY2025, about 12% a year.
SBA lending support
Added SBA lending support through Waterstone, which provides loan planning, packaging, closing, servicing and liquidation services to community banks and small businesses.
10-K for FY2022, filed Mar 2, 2023 10-K for FY2025, filed Feb 26, 2026Disciplined Acquisition Strategy. While we will remain focused on organic expansion, we will continue to identify and evaluate…View ↗
Waterstone LSP, LLC ("Waterstone"). On January 31, 2024, we completed the acquisition, through b1BANK, of Waterstone, headquartered in…View ↗
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