First Bank (FRBA) Q3 2026 Earnings Call October 23, 2026 9:00 AM EDT
Company Participants
Patrick Ryan – President, CEO & Director
Andrew Hibshman – Executive VP, Treasurer & CFO
Peter Cahill – Executive VP & Chief Lending Officer
Conference Call Participants
Bader Hijleh – Piper Sandler & Co., Research Division
Parker Wittmann – D.A. Davidson & Co., Research Division
David Bishop – Hovde Group, LLC, Research Division
Presentation
Operator
Hello, everyone. Thank you for joining us, and welcome to the First Bank Third Quarter 2026 Earnings Call. [Operator Instructions] I will now hand the conference over to Patrick Ryan, President and CEO. Patrick, please go ahead.
Patrick Ryan
President, CEO & Director
Thank you. I’d like to welcome everyone today to First Bank’s Third Quarter 2026 Earnings Call. I am joined by Andrew Hibshman, our Chief Financial Officer; and Peter Cahill, our Chief Lending Officer. Before we begin, Andrew will read the safe harbor statement.
Andrew Hibshman
Executive VP, Treasurer & CFO
The following discussion may contain forward-looking statements concerning the financial condition, results of operations and business of First Bank. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially. And therefore, you should not place undue reliance on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments. Information about risks and uncertainties are described under Item 1A Risk Factors in our annual report on Form 10-K for the year ended December 31, 2025, filed with the FDIC. Pat, back to you.
Patrick Ryan
President, CEO & Director
Thanks, Andrew. In the third quarter, we saw continued improvement. Our balance sheet growth continued at a healthy pace, including loans, which were up $50 million during the quarter, and deposits, which increased $43 million during the quarter, leaving us ahead of plan for
