FFB Bank
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Data as of · sourced from FFIEC call reports. How we update
FFB Bank is an FDIC-insured commercial bank headquartered in Fresno, CA, established in 2005 (FDIC certificate 58090), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.62B, up 9.3% from Q2 2025, the 47th largest of 113 banks headquartered in California. Its CET1 capital ratio was 15.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58090
- Headquarters
- Fresno, CA
- Established
- 2005
- Total assets, Q2 2026
- $1.62B
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 15.57%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 121144146
- Holding company
- FFB BANCORP
- Asset rank in state
- 47th of 113 in California
Problem loans are rising at FFB Bank. Based in Fresno, California, it had $1.6 billion in assets at June 30, 2026, up 9.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.78% of loans from 1.41% a year earlier. It keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 1.09% on its deposits and borrowings, about half the median of 2.01% for banks its size.
The commercial and industrial book ($302 million) is worsening: 10.14% of it is past due or on nonaccrual, up from 7.26% a year earlier. Loans are outrunning deposits: over the year loans rose 15.5% and deposits rose 11.9%. Credit is the area to watch: it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, FFB Bank reported a CET1 capital ratio of 15.57%, a return on assets of 1.38%, a nonperforming-loan ratio of 3.54% and a Texas ratio of 10.94%. The figures come from its call report filed with the FFIEC.
FFB Bank ranks as the 47th largest of the 113 banks based in California, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $1.62B, loans rose 2.6% and deposits rose 3.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 24.0% of total loans, followed by owner-occupied commercial real estate loans at 21.9%. Its one office in the FDIC Summary of Deposits is in Fresno, CA. By the capital ratios in its Q2 2026 call report, FFB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7690 N Palm Ave, Fresno, CA 93711
- County
- Fresno
- Metro Area
- Fresno, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 23, 2005
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 191
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $1.63B
- Average total loans
- $1.27B
- Average interest-bearing deposits
- $1.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 23, 2005
- FDIC Cert
- 58090
- Fed RSSD
- 3398623
- SEC CIK
- 1832397 → filed by FFB BANCORP
- Website
- www.FFB.bank →
- Parent Holding Company
- FFB BANCORP (RSSD 4666280)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
FFB Bank's total assets moved between a low of $1.31B (Q3 2023) and a high of $1.62B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.62B total assets against $1.48B; $1.43B total liabilities against $1.28B.
$1.24B net loans and leases against $1.07B; $1.39B total deposits against $1.24B.
$260.9M securities against $254.2M; $47.5M cash and balances due against $79.0M.
$23.0M total interest income against $22.0M; $4.8M total interest expense against $3.4M.
$18.2M net interest income against $18.6M.
$6.0M total noninterest income against $9.5M; $14.8M total noninterest expense against $15.7M.
$1.5M provision for credit losses against $3.2M.
$5.6M net income against $6.4M.
1.38% return on assets against 1.66%; 4.69% net interest margin against 5.15%.
15.57% CET1 capital ratio against 19.36%; 12.20% tier 1 leverage ratio against 14.41%.
Inside the full FFB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
FFB Bank rankings
Its closest position to the top of a national ranking is 77 of 980, for uninsured deposits; its furthest is 1,949 of 3,606, for efficiency ratio.
Metric pages for FFB Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q4 2025) to 2.62% (Q4 2024) and its net interest margin ran from 4.69% (Q2 2026) to 5.35% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.57% | 1.38% | 3.54% | 10.94% | 4.69% |
| Q1 2026 | 16.02% | 1.25% | 2.84% | 9.82% | 4.88% |
| Q4 2025 | 19.29% | 0.94% | 2.33% | 7.59% | 5.11% |
| Q3 2025 | 19.69% | 1.77% | 2.44% | 7.07% | 5.24% |
| Q2 2025 | 19.36% | 1.66% | 2.42% | 7.40% | 5.15% |
| Q1 2025 | 19.93% | 2.19% | 1.42% | 1.80% | 5.35% |
| Q4 2024 | 19.75% | 2.62% | 1.02% | 1.51% | 5.34% |
| Q3 2024 | 19.97% | 2.43% | 1.32% | 1.62% | 5.31% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FFB Bank (main office) | Fresno , CA | 93711 | $1.39B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 71 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 42 applications, 42 loans originated, $73.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 47 loans, $42.5M approved, $903K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FFB Bank
What are FFB Bank's total assets?
As of the Q2 2026 filing, FFB Bank reported total assets of $1.62 billion in its FFIEC call report.
Where is FFB Bank headquartered?
It is headquartered in Fresno, CA, United States.
When was FFB Bank founded?
It was established in 2005, per the FDIC institution directory.
Is FFB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58090). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FFB Bank?
FFB Bank's primary federal regulator is the FDIC.
What is FFB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FFB Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FFB Bank's Texas Ratio?
Its Texas Ratio is 10.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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