FBIZ — what changed in the latest 10-Q
A section-by-section comparison of FBIZ's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-10-30 vs the prior 10-Q · 2026-07-31
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +28 | −25 | ~63 | 60 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 4 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-10-30
Efficiency ratio, a non-GAAP measure, representing non-interest expense excluding the effects of the SBA recourse provision, impairment of tax credit investments, losses or gains on repossessed assets, amortization of other intangible assets, and other discrete items, if any, divided by operating re…
Period-end core deposits at September 30, 2026 increased $306.0 million, or 15.3% annualized, to $2.979 billion from $2.673 billion as of December 31, 2025. Average core deposits of $2.884 billion increased $431.0 million, or 17.6%, for the nine months ended September 30, 2026, compared to $2.453 bi…
Private wealth and trust assets under management and administration increased by $412.1 million, or 14.2% annualized, to $4.227 billion at September 30, 2026, compared to $3.815 billion at December 31, 2025. Private wealth and trust assets under management and administration increased $413.0 million…
Top line revenue, comprised of net interest income and non-interest income, increased $3.0 million, or 6.7%, for the three months ended September 30, 2026, compared to the same period in 2025, due to a 12.0% increase in net interest income partially offset by a 12.6% decrease in non-interest income.…
Top line revenue increased $12.1 million, or 9.6%, for the nine months ended September 30, 2026, compared to the same period in 2025, due to a 10.6% increase in net interest income and a 5.3% increase in non-interest income. The increase in net interest income was primarily driven by increases in av…
Text removed vs the prior filing · source: 10-Q · 2026-07-31
Efficiency ratio measured 57.57% for the three months ended June 30, 2026, compared to 60.97% for the same period in 2025. Efficiency ratio measured 59.31% for the six months ended June 30, 2026, compared to 60.63% for the same period in 2025.
Private wealth and trust assets under management and administration increased by $419.9 million, or 22.0% annualized, to $4.235 billion at June 30, 2026, compared to $3.815 billion at December 31, 2025. Private wealth and trust assets under management and administration increased $503.9 million, or …
Top line revenue, comprised of net interest income and non-interest income, increased $5.7 million, or 13.8%, for the three months ended June 30, 2026, compared to the same period in 2025, due to a 12.9% increase in net interest income and an 18.1% increase in non-interest income. The increase in ne…
Top line revenue increased $9.1 million, or 11.1%, for the six months ended June 30, 2026, compared to the same period in 2025, due to a 9.9% increase in net interest income and a 16.9% increase in non-interest income. The increase in net interest income was primarily driven by increases in average …
PTPP adjusted earnings for the three and six months ended June 30, 2026 were $19.8 million and $37.0 million, respectively, compared to $16.0 million and $32.2 million for the three and six months ended June 30, 2025, respectively. The increase in PTPP adjusted earnings is primarily due to an increa…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice