FFB Bancorp (FFBB) investor relations material

Executive summary

• Net income for Q4 2025 was $3.21 million ($1.07 per diluted share), down from $6.24 million in Q3 2025 and $9.72 million in Q4 2024; full-year 2025 net income was $23.58 million, down from $34.15 million in 2024.

• Operating revenue for Q4 2025 decreased 1% sequentially and 17% year-over-year to $23.34 million, mainly due to lower non-interest income, especially merchant services.

• The company celebrated its 20-year anniversary and continued executing its strategic plan, including technology and process improvements.

Financial highlights

• Pre-provision net revenue for Q4 2025 was $8.60 million, down 7% sequentially and 43% year-over-year.

• Provision expense surged 472% sequentially and 135% year-over-year to $3.93 million.

• Total assets grew 5% year-over-year to $1.58 billion; total loans increased 12% to $1.20 billion; total deposits rose 5% to $1.34 billion.

• Book value per share increased 16% year-over-year to $61.64.

• Net interest margin for Q4 2025 was 4.86%, down from 5.24% a year ago.

• Efficiency ratio for Q4 2025 was 63.12%, up from 46.19% a year ago.

Outlook and guidance

• Management expects to grow ISO partners and deposits in 2026, aiming to reduce reliance on wholesale funding.

• Strategic focus includes organic growth, technology adoption, and capturing opportunities from M&A activity in core markets.

• New corporate card and small business loan products are planned for launch in 2026.