FB Bancorp, Inc. /MD/ (FBLA) SEC Filings & Earnings Calls
EquiReason read 10 FB Bancorp, Inc. /MD/ SEC filings in the last 12 months. Latest: 10-Q on 2026-08-13 — FB Bancorp reported lower net income and net interest margin in Q2 2026 due to falling loan yields and rising expenses..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
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last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
13 Aug 202610-QFB Bancorp reported lower net income and net interest margin in Q2 2026 due to falling loan yields and rising expenses.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 4.2% | |
| Efficiency ratio · Q2-2026 | 92.6% | |
| Total deposits · Q2-2026 | $811M | -4% y/y |
| Total assets · Q2-2026 | $1.23B | -2% y/y |
| Net income · Q2-2026 | $697000.00 | -32% y/y |
| Non-performing loans to total loans · Q2-2026 | 1.9% | |
| Allowance for credit losses to total loans · Q2-2026 | 0.9% | |
| Return on average assets from continuing operations · Q2-2026 | 0.1% | |
| Return on average equity from continuing operations · Q2-2026 | 0.2% | |
| Common equity Tier 1 risk-based capital · Q2-2026 | 29.2% |
Risks flagged
Net interest margin compression
“Net interest margin was 4.20% for the three months ended June 30, 2026, compared to 4.65% for the three months ended June 30, 2025.” · word for word
Rising non-interest expenses
“Total non-interest expenses were $13.1 million for the three months ended June 30, 2026, compared to $11.3 million for the three months ended June 30, 2025.” · word for word
Deposit outflow and reliance on wholesale funding
“Deposits decreased by $30.4 million, or 3.62%, to $811.0 million at June 30, 2026 from $841.4 million at December 31, 2025.” · word for word
Credit quality deterioration
“Non-performing loans to total loans 1.85 % 1.68 % 1.85 % 1.68 %” · word for word
4 Aug 20268-K · 5.02Director retirement (not a CEO/CFO departure) and committee chair appointment; no disagreement cited, routine governance change.open
Risks flagged
No material risk from this routine board change.
“Departure not due to any disagreement; twenty-two years of service.”
28 Jul 20268-K · 2.02FB Bancorp Q2 2026 net loss $70K (vs net income $879K YoY); net interest margin 4.20% vs 4.65% YoY; efficiency ratio 92.62% vs 86.68% YoY; mortgage banking segment sold; stock repurchase program authorized.earningsopen
Figures in the filing · each found in the filing text
| Net Income (Loss) · total · Q2-2026 | $-70000.00 | |
| Net Income from Continuing Operations · continuing operations · Q2-2026 | $697000.00 | -32% y/y |
| Net Interest Margin · total · Q2-2026 | 4.2% | |
| Efficiency Ratio (Continuing Operations) · continuing operations · Q2-2026 | 92.6% | |
| Return on Average Assets (Continuing Operations) · continuing operations · Q2-2026 | 0.1% | |
| Return on Average Equity (Continuing Operations) · continuing operations · Q2-2026 | 0.2% | |
| Earnings Per Share from Continuing Operations - Basic and Diluted · continuing operations · Q2-2026 | $0.05 | -17% y/y |
| Total Risk-Based Capital Ratio · total · Q2-2026 | 30.0% | |
| Common Equity Tier 1 Risk-Based Capital Ratio · total · Q2-2026 | 29.2% | |
| Tier 1 Leverage Capital Ratio · total · Q2-2026 | 20.3% |
Risks flagged
Net interest margin compression from 4.65% to 4.20% YoY
“Net interest margin (3) 4.20% vs 4.65%”
Efficiency ratio deterioration to 92.62% from 86.68% YoY
“Efficiency ratio from continuing operations (4) 92.62% vs 86.68%”
Mortgage banking segment losses and exit; remaining losses expected
“Mortgage banking segment had net loss of approximately $2.7 million in 2025; sale closed March 2026; remaining losses expected in H2 2026”
Non-performing loans ratio increased to 1.85% from 1.68% YoY
“Non-performing loans to total loans 1.85% vs 1.68%”
14 May 202610-QFB Bancorp reported Q1 2026 results with increased provision and non-interest expense, but lower non-performing loans.earningsopen
Figures in the filing · each found in the filing text
| Provision for Credit Losses · Q1-2026 | $490000.00 | +27% y/y |
| Non-interest Expense · Q1-2026 | $12M | +10% y/y |
| Non-performing Loans · 2026-03-31 | $15M | -11% y/y |
| Allowance for Credit Losses as % of Non-performing Loans · 2026-03-31 | 42.2% | |
| Non-interest Income · Q1-2026 | $1M | +5% y/y |
| Total Deposits · 2026-03-31 | $853M | +1% y/y |
| Weighted Average Interest Rate on Deposits · 2026-03-31 | 1.7% | |
| Net Loss from Discontinued Operations · Q1-2026 | $375000.00 | -44% y/y |
Risks flagged
Insurance cost pressure on residential real estate collateral
“Residential real estate loans remain under elevated credit pressures in our gulf coast lending markets due to rising insurance costs.” · word for word
Credit loss provision may increase if economic conditions worsen
“While management believes the estimates and assumptions used in the determination of the adequacy of the allowance are reasonable, such estimates and assumptions could be proven incorrect in the future, and the actual amount of future provisions may exceed the amount of past provisions.” · word for word
6 May 20268-K · 2.02FB Bancorp reports Q1 2026 net income from continuing operations of $494K vs $1.37M YoY, down 64%. Net interest margin compressed to 4.47% from 4.60%. Efficiency ratio deteriorated to 91.49% from 83.69%. Completed sale of mortgage banking searningsopen
Figures in the filing · each found in the filing text
| Net income from continuing operations · Q1-2026 | $494000.00 | -64% y/y |
| Net interest margin · Q1-2026 | 4.5% | |
| Efficiency ratio from continuing operations · Q1-2026 | 91.5% | |
| Return on average assets from continuing operations · Q1-2026 | 0.0% | |
| Return on average equity from continuing operations · Q1-2026 | 0.2% | |
| Earnings per share from continuing operations - basic and diluted · Q1-2026 | $0.03 | -63% y/y |
| Common stock book value per share · Q1-2026 | $17.50 | +5% y/y |
| Allowance for credit losses to total loans · Q1-2026 | 0.8% | |
| Non-performing loans to total loans · Q1-2026 | 2.0% | |
| Total risk-based capital · Q1-2026 | 29.4% |
Risks flagged
Net interest margin pressure: NIM compressed 13 bps YoY, indicating funding cost pressure or asset yield compression.
“Net interest margin was 4.47% for Q1 2026, compared to 4.60% for Q1 2025.”
Efficiency ratio deterioration: 91.49% vs 83.69% YoY, indicating higher costs relative to income.
“Efficiency ratio from continuing operations was 91.49% for Q1 2026 vs 83.69% for Q1 2025.”
Discontinued operations: Sale of mortgage segment closed, reducing employee count by 108.
“Sale of NOLA Lending Group closed on March 1, 2026, reducing total employees by approximately 108 individuals.”
30 Mar 2026DEF 14AAnnual proxy statement filed for 2026 shareholder meeting; no material event beyond routine governance and compensation disclosure.open
Figures in the filing · each found in the filing text
| CEO Salary · FY2025 | $456144.00 | |
| CEO Bonus · FY2025 | $104821.00 | |
| CEO Non-Equity Incentive Plan Compensation · FY2025 | $72983.00 | |
| CEO Total Compensation · FY2025 | $716887.00 | |
| COO Salary · FY2025 | $332740.00 | |
| CFO Salary · FY2025 | $328259.00 | |
| Executive Chairman Salary · FY2025 | $332800.00 | |
| Outstanding Shares · 2026-02-27 | 17,821,949 | |
| Director Cash Fee · FY2025 | $65000.00 | |
| Audit Fees · FY2025 | $239925.00 | -33% y/y |
26 Mar 202610-KAnnual report showing increased non-performing assets and credit quality deterioration.open
Figures in the filing · each found in the filing text
| Total loans held for investment · 2025-12-31 | $745M | -2% y/y |
| Non-performing assets · 2025-12-31 | $18M | +34% y/y |
| Allowance for credit losses · 2025-12-31 | $6M | +1% y/y |
| Net charge-offs · FY2025 | $2M | +10% y/y |
| Provision for credit losses · FY2025 | $2M | +10% y/y |
Risks flagged
Credit quality deterioration
“Total non-performing assets $ 18,234 at December 31, 2025 compared to $ 13,599 at December 31, 2024.”
Commercial real estate concentration
“Commercial real estate loans comprised 33.4% of total loans at December 31, 2025.”
Interest rate risk
“inflation and changes in the interest rate environment that reduce our margins and yields” · word for word
Regional economic concentration
“Our primary market areas for deposit gathering and origination of loans held for investment to be southern Louisiana” · word for word
18 Feb 20268-K · 2.02FB Bancorp reports FY2025 net income of $1.3M (vs -$6.2M loss in FY2024), driven by continuing ops income of $3.9M and discontinued ops loss of $2.7M from mortgage segment sale. Q4 2025 net loss of $1.4M improves from -$5.4M in Q4 2024. Netearningsopen
Figures in the filing · each found in the filing text
| Net income (loss) · FY2025 | $1M | -120% y/y |
| Net income from continuing operations · FY2025 | $4M | +161% y/y |
| Net interest margin · FY2025 | 4.6% | |
| Efficiency ratio from continuing operations · FY2025 | 87.5% | |
| Return on average assets from continuing operations · FY2025 | 0.3% | |
| Return on average equity from continuing operations · FY2025 | 1.2% | |
| Earnings (losses) per share from continuing operations - basic and diluted · FY2025 | $0.22 | -48% y/y |
| Tier 1 leverage capital ratio · Q4-2025 | 20.0% | |
| Non-performing loans to total loans · Q4-2025 | 2.3% | |
| Allowance for credit losses to non-performing loans · Q4-2025 | 37.3% |
Risks flagged
Asset quality deterioration with rising non-performing loans and declining coverage ratio.
“Non-performing loans to total loans increased to 2.26% from 1.72%; allowance for credit losses to non-performing loans fell to 37.31% from 48.07%.”
Mortgage segment sale execution risk; transaction expected to close Feb 28, 2026.
“Sale of NOLA Lending Group assets and liabilities; closing anticipated Feb 28, 2026.”
12 Nov 202510-QFB Bancorp reported net income of $2.7 million for the nine months ended September 30, 2025, compared to a net loss of $853,000 in the prior year period.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Income · Q3-2025 | $40M | +19% y/y |
| Provision for Credit Losses · Q3-2025 | $1M | +59% y/y |
| Non-Performing Loans · 2025-09-30 | $15M | +33% y/y |
| Allowance for Credit Losses · 2025-09-30 | $6M | +0% y/y |
| Total Deposits · 2025-09-30 | $840M | +5% y/y |
| Weighted Average Interest Rate on Deposits · 2025-09-30 | 1.9% | |
| Total Loans · 2025-09-30 | $761M | +0% y/y |
| Classified Loans · 2025-09-30 | $21M | +61% y/y |
| Full-Time Equivalent Employees · 2025-09-30 | 321 | -9% y/y |
Risks flagged
Credit quality deterioration
“Total non-performing loans were $14.6 million at September 30, 2025, compared to $11.0 million at September 30, 2024” · word for word
Declining allowance coverage
“As a percentage of non-performing loans, the allowance for credit losses was 42.9% at September 30, 2025 compared to 53.0% at September 30, 2024.” · word for word
27 Oct 2025DEF 14AFB Bancorp filed its definitive proxy statement for the 2025 annual meeting, seeking shareholder approval of the 2025 Equity Incentive Plan, election of directors, and ratification of auditor.open
Figures in the filing · each found in the filing text
| Shares outstanding · 2025-10-06 | 19,837,500 |
FB Bancorp, Inc. /MD/ — questions
- What did FB Bancorp, Inc. /MD/ file recently?
- 10 SEC filings in the last 12 months. Latest: 10-Q on 2026-08-13 — FB Bancorp reported lower net income and net interest margin in Q2 2026 due to falling loan yields and rising expenses.
Every figure on this page comes from FB Bancorp, Inc. /MD/'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.