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FB Bancorp (FBLA) investor relations material
FB Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Net income for Q3 2025 was $1.1 million, reversing a net loss of $895,000 in Q3 2024, driven by higher net interest income and lower non-interest expenses.
For the nine months ended September 30, 2025, net income was $2.7 million, compared to a net loss of $853,000 in the prior year period.
The company continues to focus on prudent loan portfolio growth, asset quality, and expanding its digital banking and regional presence.
Financial highlights
Total assets increased 3.5% to $1.26 billion at September 30, 2025, from $1.22 billion at year-end 2024.
Net interest income rose 18.9% year-over-year to $13.6 million for Q3 2025 and 19.1% to $39.6 million for the nine months ended September 30, 2025.
Non-interest income for Q3 2025 was $5.1 million, down 4.2% year-over-year, and $14.5 million for the nine months, down 16.6% due to lower gains on mortgage servicing rights.
Non-interest expense decreased 3.7% in Q3 2025 and 2.7% for the nine months, mainly from reduced salaries and marketing costs.
Provision for credit losses increased to $413,000 in Q3 2025 and $1.3 million for the nine months, reflecting loan growth and higher nonperforming loans.
Outlook and guidance
Management expects to maintain current loan origination levels, continue digital banking investments, and pursue organic and selective acquisition growth.
The company anticipates sufficient liquidity and capital to meet funding commitments and regulatory requirements.
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Next FB Bancorp earnings date
Q4 202518 Feb, 2026
Next FB Bancorp earnings date
Q4 202518 Feb, 2026
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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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