Business First Bancshares, Inc.

Business First Bancshares, Inc. is the bank holding company for b1BANK, which provides a wide range of banking products and services to customers in Louisiana and Texas. The bank offers various deposit products, including checking and savings accounts, time deposits, money market accounts, and certificates of deposit. On the lending side, it provides commercial and industrial loans such as working capital, term loans, equipment financing, and letters of credit, as well as construction and development loans, commercial real estate loans, residential mortgage loans, and consumer loans. Additionally, b1BANK offers wealth management services, including mutual funds, annuities, and individual retirement accounts, along with treasury and cash management, merchant services, and payroll benefits solutions.

Business First Bancshares, Inc. is publicly traded on the Nasdaq Global Select Market (NasdaqGS) under the ticker symbol BFST. Its shares are denominated in US Dollars (USD), reflecting its operations based in the United States. The company's listing on a major US exchange provides liquidity and visibility to investors interested in the regional banking sector.

Business First Bancshares operates in the Financial Services sector and is classified under the Banks - Regional industry. As a regional bank, it focuses on serving local communities in Louisiana and Texas, offering traditional banking services such as deposits, loans, and wealth management. Regional banks like b1BANK typically have a strong presence in their geographic markets and cater to both individual and business customers.

Business First Bancshares, through its subsidiary b1BANK, serves customers primarily in Louisiana and Texas. These two states form the core of its market presence, where it offers a full suite of banking products and services. The bank's operations include drive-through banking facilities, automated teller machines, and digital services such as remote deposit capture and electronic funds transfer, making it accessible to both urban and rural communities within these regions.

Business First Bancshares generates revenue primarily through interest income from its loan portfolio, which includes commercial and industrial loans, real estate loans, and consumer loans. It also earns non-interest income from fees and services such as treasury and cash management, merchant services, wealth management products, and deposit account fees. The bank's diverse product offerings, including commercial lines of credit, accounts receivable factoring, and payroll benefits solutions, contribute to its revenue streams. Additionally, it provides correspondent banking and foreign wire transfer services, further diversifying its income sources.