FFB Bancorp (FFBB) investor relations material

Executive summary

• Net income for Q2 2026 was $5.48M ($1.88/diluted share), up from $4.59M in Q1 2026 but down from $6.04M in Q2 2025.

• Six-month net income was $10.06M, down from $14.13M for the same period in 2025.

• Strong loan and deposit growth continued, with technology investments and ongoing compliance efforts under a consent order.

Financial highlights

• Total loans grew 4% sequentially and 15% year-over-year to $1.26B; deposits rose 3% sequentially and 12% year-over-year to $1.38B.

• Operating revenue for Q2 2026 was $24.05M, up 5% sequentially but down 12% year-over-year.

• Net interest margin declined to 4.71% from 4.89% in Q1 2026 and 5.09% in Q2 2025, impacted by higher funding costs and nonrecurring interest reversals.

• Non-interest income was $5.97M, up from $5.09M in Q1 2026 but down from $9.24M in Q2 2025, with merchant services income rebounding sequentially.

• Non-interest expense decreased 6% sequentially and 5% year-over-year to $14.96M, driven by lower merchant services and operating expenses.

Outlook and guidance

• Management expects margin performance to improve as core deposits grow and wholesale funding reliance decreases.

• Continued investments in technology and talent are expected to drive sustainable growth and improved efficiency ratios over time.