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FB Bancorp (FBLA) investor relations material
FB Bancorp Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q1 2026 was $119 thousand, down from $705 thousand in Q1 2025, reflecting a significant decrease due to higher non-interest expenses and a net loss from discontinued operations following the sale of the mortgage banking segment.
Sale of the mortgage banking segment, NOLA Lending Group, closed March 1, 2026, resulting in a $375 thousand net loss from discontinued operations for the quarter.
Financial highlights
Net interest income remained stable at $11.8 million year-over-year for Q1 2026.
Net interest margin declined to 4.47% from 4.60% year-over-year.
Total non-interest income was $1.1 million, up 5.31% due to higher deposit account service charges.
Total non-interest expenses increased 9.75% to $11.9 million, driven by higher salaries, occupancy, and marketing costs.
Earnings per share from continuing operations were $0.03, down from $0.08 year-over-year.
Outlook and guidance
Management expects advertising expenses to normalize after Q1 and continues to monitor credit pressures in residential real estate due to rising insurance costs.
Forward-looking statements highlight risks from economic conditions, interest rates, competition, and regulatory changes.
- Annual meeting to elect directors and ratify auditor, with strong governance and executive compensation details.FBLA
Proxy filing30 Mar 2026 - 2025 net income returned to positive, aided by mortgage segment exit and strong capital ratios.FBLA
Q4 202518 Feb 2026 - Director elections, equity plan approval, and auditor ratification headline the annual meeting.FBLA
Proxy Filing2 Dec 2025 - IPO aims to raise capital for growth, digital banking, and debt repayment amid rising credit risks.FBLA
Registration Filing29 Nov 2025 - Community bank IPO targets $150M midpoint, priced at a discount, with proceeds for growth and capital.FBLA
Registration Filing29 Nov 2025 - IPO seeks up to $198M to fund growth, digital banking, and loan expansion in Louisiana.FBLA
Registration Filing29 Nov 2025 - Q3 2025 net income reached $1.1M, with strong capital and improved efficiency.FBLA
Q3 202512 Nov 2025 - Net income increased on strong loan growth and higher net interest income, with robust capital ratios.FBLA
Q2 202514 Aug 2025 - $6.2M net loss in 2024 due to goodwill impairment; equity doubled post-conversion.FBLA
Q4 20246 Jun 2025
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