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FB Bancorp
FB Bancorp (FBLA) investor relations material
FB Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary18 Feb, 2026
Executive summary
Net income for 2025 was $1.3 million, reversing a net loss of $6.2 million in 2024, driven by improved continuing operations and the exit from a loss-making mortgage segment.
Sale of the mortgage banking segment (NOLA Lending Group) is expected to close in Q1 2026, reducing headcount by 108 and eliminating a $2.7 million annual net loss.
Initial public offering completed in October 2024, raising $198.4 million; stock began trading on Nasdaq as FBLA.
Financial highlights
Net income from continuing operations was $3.9 million in 2025, up from $1.5 million in 2024; discontinued operations posted a $2.7 million net loss, improved from a $7.7 million loss in 2024.
Net interest income rose 15.8% year-over-year to $48.0 million; net interest margin increased to 4.57% from 4.36%.
Total assets grew to $1.26 billion at year-end 2025, up from $1.22 billion in 2024.
Book value per share increased to $17.38 at year-end 2025 from $16.45 in 2024.
Outlook and guidance
Anticipates $1.1 million in annual salary and benefit savings in 2026 from workforce reductions tied to the mortgage segment exit.
Strategic focus on core banking operations following the divestiture of the mortgage segment.
2026 continuing ops salary savings from NOLA sale
How do Gulf Coast insurance costs impact residential NPLs?
Capital deployment strategy given high ratios & loan demand?
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Latest events from FB Bancorp
- Director elections, equity plan approval, and auditor ratification headline the annual meeting.FBLA
Proxy Filing2 Dec 2025 - IPO aims to raise capital for growth, digital banking, and debt repayment amid rising credit risks.FBLARegistration Filing29 Nov 2025
- Community bank IPO targets $150M midpoint, priced at a discount, with proceeds for growth and capital.FBLARegistration Filing29 Nov 2025
- IPO seeks up to $198M to fund growth, digital banking, and loan expansion in Louisiana.FBLARegistration Filing29 Nov 2025
- Q3 2025 net income reached $1.1M, with strong capital and improved efficiency.FBLAQ3 202512 Nov 2025
- Net income increased on strong loan growth and higher net interest income, with robust capital ratios.FBLAQ2 202514 Aug 2025
- $6.2M net loss in 2024 due to goodwill impairment; equity doubled post-conversion.FBLAQ4 20246 Jun 2025
- Q1 2025 net income rebounded to $705K on higher net interest income and lower expenses.FBLAQ1 20256 Jun 2025
Next FB Bancorp earnings date
Q1 202611 May, 2026
FB Bancorp
Next FB Bancorp earnings date
Q1 202611 May, 2026
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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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