Ffb Bancorp ( (FFBB) ) has released its Q2 earnings. Here is a breakdown of the information Ffb Bancorp presented to its investors.
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FFB Bancorp, the parent company of FFB Bank, is a financial institution based in Fresno, California, specializing in personal and business banking services, including loans and payment processing. The company operates primarily within the banking sector and is recognized for its strong performance among banks with assets under $2 billion.
In the second quarter of 2025, FFB Bancorp reported a net income of $6.04 million, a decrease from the previous year’s $8.08 million. The company experienced an 11% increase in operating revenue, reaching $27.35 million, driven by loan portfolio growth. However, net interest margin contracted, and non-interest expenses rose significantly due to investments in compliance and technology.
Key financial highlights include a 13% increase in the loan portfolio to $1.09 billion and a 6% rise in total deposits to $1.23 billion. Shareholder equity grew by 17%, and book value per share increased by 22% to $56.87. Despite the revenue growth, the company’s net income was impacted by higher provisions for credit losses and increased operating expenses.
FFB Bancorp continues to focus on compliance and risk management, addressing matters outlined in a consent order. The company has also been active in its stock repurchase program, buying back shares worth $10.22 million as of June 30, 2025.
Looking ahead, FFB Bancorp remains confident in its strategic initiatives, aiming to enhance its compliance framework and drive long-term results despite near-term challenges. The company anticipates replacing lost revenue from exited ISO partners with growth in its payment services and remaining partnerships.