First Business is guiding to ~10% annual loan growth and a NIM above the 3.60% to 3.65% long-term range. Growth with a margin floor is the setup, so earnings leverage looks better than a pure rate bet

What happened: First Business Financial Services (FBIZ) outlined roughly 10% annual loan growth and said it expects its net interest margin to stay above the 3.60% to 3.65% long-term range. Key numbers: ~10% annual loan growth target; NIM above 3.60% to 3.65% long-term; pretax pre-provision earnings grew 13% year-over-year; record pretax pre-provision and bottom line earnings in Q3 2026. Why it matters: Management attributed the record results to strong operating fundamentals, with pretax pre-provision earnings up 13% year-over-year.

First Business Financial Services (FBIZ) outlined roughly 10% annual loan growth and said it expects its net interest margin to stay above the 3.60% to 3.65% long-term range.

Management attributed the record results to strong operating fundamentals, with pretax pre-provision earnings up 13% year-over-year.