First Bank Q4 Earnings Call Highlights

Cahill said most new loans were in C&I and owner-occupied real estate, which comprised 62% of 2025 originations, while investor real estate made up 22%. The largest payoffs during the quarter were largely investor real estate loans, including construction loans refinanced with long-term financing elsewhere. Cahill said the $135 million in fourth-quarter payoffs represented 47% of all payoffs for the year and was the largest quarterly payoff amount the bank has experienced, with six of its 10 largest payoffs ...