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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.
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.
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