FFB Bancorp Reports Third Quarter 2026 Results, Highlighting 16% Year-Over-Year Core Deposit Growth and Improved Funding Mix
FFB Bancorp reported Q3 2026 net income of $4.62 million, or $1.61 per diluted share, down from $2.06 a year ago, pressured by a $2.34 million provision and $6.41 million of net charge-offs concentrated in previously identified problem credits. The balance sheet strengthened materially: deposits grew 19% year-over-year to $1.50 billion with 16% core deposit growth, nonperforming assets fell 21% sequentially to $35.16 million, and the company retired its remaining $10 million of subordinated debt, eliminating all long-term debt.
Key figures
- Eps
- 1.61
- Revenue
- $24.17 million
- Nim
- 4.73%
- Roaa
- 1.10%
- Roae
- 10.00%
- Eps q2 2026
- 1.88
- Eps q3 2025
- 2.06
- Total loans
- $1.26 billion
- Total assets
- $1.70 billion
- Total deposits
- $1.50 billion
- Liquidity total
- $897.33 million
- Net charge offs
- $6.41 million
- Npa decline qoq
- 20.53%
- Efficiency ratio
- 64.19%
- Sub debt retired
- $10.00 million
- Deposit growth yoy
- 19%
- Net income q3 2026
- $4.62 million
- Book value per share
- $61.95
- Nonperforming assets
- $35.16 million
- Net income nine months
- $14.68 million
- Buyback repurchased ytd
- 174,554 shares at average $85.85
- Core deposit growth yoy
- 16%
- Provision for credit losses
- $2.34 million
- Tangible common equity ratio
- 10.39%
- Total risk based capital ratio
- 15.91%
AI analysis
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