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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
FFB Bancorp
FFB Bancorp (FFBB) investor relations material
FFB Bancorp has been otc
FFB Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary21 Jul, 2026
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.
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Latest events from FFB Bancorp
- Strong Q2-2026 results driven by fee income, digital growth, and disciplined compliance.FFBB
Investor presentation - Q1-2026 net income was $4.59M, with strong loan growth but higher nonperforming assets.FFBBQ1 2026
- Earnings fell on lower merchant services and higher provisions, but loan and deposit growth was robust.FFBBQ4 2025
- Q3 2025 saw lower revenue and asset quality, but strong capital and a completed $15M buyback.FFBBQ3 2025
- Earnings rose 4% year-over-year, with strong growth in loans, deposits, and operating revenue.FFBBQ1 2025
- Net income declined 25% year-over-year as expenses and credit loss provisions rose.FFBBQ2 2025
- Q3 2024 net income rose 6% sequentially, with strong loan, deposit, and merchant growth.FFBBQ3 2024
- Q2 net income down 14% year-over-year; strong loan growth, higher expenses, and new payment rail.FFBBQ2 2024
- Q4 net income up 28% year-over-year; 2025 net income expected to decline on compliance costs.FFBBQ4 2024
Next FFB Bancorp earnings date
Q3 202616 Nov, 2026
FFB Bancorp
Next FFB Bancorp earnings date
Q3 202616 Nov, 2026
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Frequently asked questions
FFB Bancorp is a U.S.-based bank holding company focused on providing a range of financial services through its subsidiary bank, primarily to individuals, small businesses, and commercial clients. The company offers products such as checking and savings accounts, loans, mortgages, and other banking services aimed at supporting personal and business financial needs. FFB Bancorp operates through a network of branches and digital banking platforms, emphasizing community-oriented financial solutions. The company is headquartered in Fresno, California, and its shares are listed on the OTC Markets.