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FFB Bancorp
FFB Bancorp (FFBB) investor relations material
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FFB Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.24M ($2.06/diluted share), up 3% sequentially but down 27% year-over-year.
For the nine months ended September 30, 2025, net income was $20.37M ($6.57/diluted share), down from $24.43M ($7.68/diluted share) in the same period of 2024.
Book value per common share rose 6% sequentially and 17% year-over-year to $60.04.
Loan and deposit portfolios grew, and a Chief Banking Officer was hired to support growth strategy.
Financial highlights
Operating revenue for Q3 2025 was $23.49M, down 14% sequentially and 8% year-over-year.
Pre-tax, pre-provision income for Q3 2025 was $9.22M, down 20% sequentially and 27% year-over-year.
Net interest income before provision for credit losses was $18.05M, up 2% year-over-year but flat sequentially.
Non-interest income for Q3 2025 was $5.44M, down from $7.62M a year ago and $9.24M last quarter, mainly due to lower merchant services revenue.
Merchant services revenue dropped 42% year-over-year and 51% sequentially due to ISO partner exits and seasonal factors.
Non-interest expense for Q3 2025 was $14.27M, down 9% sequentially but up 12% year-over-year, driven by higher salaries, benefits, and compliance costs.
Outlook and guidance
Management expects to replace lost ISO partner volume and revenue through growth in FFB Payments and remaining ISO partners.
New Merchant Services policy allows onboarding of high-risk verticals, aiming to support all risk tiers while maintaining compliance.
Further reductions in floating loan rates may occur into 2026, potentially easing borrower pressure.
Merchant services revenue recovery strategy
Mitigation of rising loan delinquencies
Strategy to reduce wholesale funding reliance
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Next FFB Bancorp earnings date
Q4 202513 Feb, 2026
FFB Bancorp
Next FFB Bancorp earnings date
Q4 202513 Feb, 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.
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