FFB Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 3.37 percentage points in Q2 2026, from 30.19% to 26.83%. It was the largest change from Q1 2026 among the key lines here. FFB Bank ranks 33rd of 114 California banks on return on assets, in the upper half at 1.38% (Q2 2026). FFB Bank reported 1.38% on return on assets for Q2 2026, 0.10 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.57% |
| Tier 1 risk-based capital ratio | 15.57% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 12.20% |
| Equity capital to assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.23% |
| Non-performing assets ratio | 4.06% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 32.29% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 26.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 12.13% |
| Net interest margin | 4.69% |
| Efficiency ratio | 61.08% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.55% |
| Core deposits to total deposits | 79.34% |
| Brokered deposits to total deposits | 11.30% |
| Deposits to assets | 85.81% |
| Securities to assets | 16.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.33% | 18.33% | 19.39% | 13.49% | 2.78% |
| Q4 2023 | 18.72% | 18.72% | 19.76% | 13.58% | 2.31% |
| Q1 2024 | 19.71% | 19.71% | 20.80% | 14.27% | 2.38% |
| Q2 2024 | 19.67% | 19.67% | 20.74% | 14.30% | 2.37% |
| Q3 2024 | 19.97% | 19.97% | 21.09% | 14.35% | 2.43% |
| Q4 2024 | 19.75% | 19.75% | 20.84% | 14.33% | 2.62% |
| Q1 2025 | 19.93% | 19.93% | 21.09% | 14.66% | 2.19% |
| Q2 2025 | 19.36% | 19.36% | 20.61% | 14.41% | 1.66% |
| Q3 2025 | 19.69% | 19.69% | 20.94% | 15.33% | 1.77% |
| Q4 2025 | 19.29% | 19.29% | 20.54% | 15.04% | 0.94% |
| Q1 2026 | 16.02% | 16.02% | 17.27% | 12.73% | 1.25% |
| Q2 2026 | 15.57% | 15.57% | 16.83% | 12.20% | 1.38% |
FFB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FFB Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FFB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58090) · FFIEC NIC profile (RSSD 3398623)