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FB Bancorp (FBLA) investor relations material
FB Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Net income for Q2 2025 was $879,000, up 3.5% year-over-year; six-month net income was $1.6 million, a significant increase from $42,000 in the prior year period.
Total assets grew 2.1% to $1.25 billion at June 30, 2025, driven by increases in loans and investment securities.
Loan portfolio growth focused on commercial real estate and construction, with commercial real estate loans at $254.3 million and commercial loans at $104.0 million.
Core deposits represented 56.9% of total deposits, with ongoing expansion in Baton Rouge and Lafayette markets.
Non-interest expense decreased due to lower staffing and marketing costs, offsetting a decline in non-interest income from mortgage servicing rights sales.
Financial highlights
Net interest income rose 20.6% year-over-year to $13.2 million for Q2 2025; six-month net interest income was $26.0 million, up 19.1%.
Total interest and dividend income for the quarter was $17.5 million, up 10.4% year-over-year.
Provision for credit losses increased to $453,000 for Q2 and $838,000 for the six months, reflecting loan growth.
Non-interest income fell 32.2% for the quarter and 22.1% for the six months, mainly due to lower gains on mortgage servicing rights.
Non-interest expense decreased 1.6% for the quarter and 2.2% for the six months, primarily from reduced salaries and marketing.
Outlook and guidance
Strategy focuses on prudent loan portfolio growth, especially in commercial segments, and maintaining strong asset quality.
Continued investment in digital banking and expansion in new markets expected to support future growth.
Management anticipates sufficient liquidity and capital to meet commitments, with a strong deposit retention outlook.
Assess impact of digital bank (Andi) implementation.
Explain the increase in non-performing loans.
Discuss the strategy for managing interest rate risk.
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Next FB Bancorp earnings date
Q3 202513 Nov, 2025
Next FB Bancorp earnings date
Q3 202513 Nov, 2025
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Frequently asked questions
FB Bancorp Inc. is a financial services company providing a broad range of banking and financial products to individuals, businesses, and institutions. Its offerings include personal and commercial banking, wealth management, and lending solutions such as mortgages, business loans, and credit lines. The company also delivers digital banking services, enabling customers to manage their accounts and conduct transactions online. The company is headquartered in Los Angeles, California, and its shares are listed on the Nasdaq.
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