FB Bancorp, Inc. /MD/
For the period ended Sep 30, 2025. Filed Nov 12, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 12, 2025
FBLA$16.50-2.1%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Operations
Consolidated Statements of Operations (Unaudited)
| For the three monthsended September 30, | For the nine monthsended September 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| Interest and dividend income | ||||
| Interest and fees on loans | $14,691 | $13,910 | $42,656 | $39,453 |
| Interest and dividends on investment securities | 2,748 | 2,265 | 7,436 | 6,912 |
| Interest on deposits in other banks | 815 | 734 | 2,619 | 1,676 |
| Total interest and dividend income | 18,254 | 16,909 | 52,711 | 48,041 |
| Interest expense | ||||
| Deposits | 3,980 | 3,031 | 11,106 | 8,311 |
| Borrowed funds | 688 | 2,455 | 2,028 | 6,489 |
| Total interest expense | 4,668 | 5,486 | 13,134 | 14,800 |
| Net interest income | 13,586 | 11,423 | 39,577 | 33,241 |
| Provision (benefit) for credit losses | 413 | 300 | 1,251 | 820 |
| Net interest income after provision (benefit) for credit losses | 13,173 | 11,123 | 38,326 | 32,421 |
| Non-interest income | ||||
| Service charges and fee income from deposit accounts | 668 | 700 | 1,935 | 2,221 |
| Gain on sales of mortgage loans | 4,008 | 3,939 | 11,301 | 10,706 |
| Gain (loss) on sales, disposal, or impairment of assets | (23) | 117 | (111) | 117 |
| Gain (loss) on sales of available for sale securities | 51 | (24) | 214 | 285 |
| Gain on sales of mortgage servicing rights | — | 334 | — | 2,584 |
| Other non-interest income | 445 | 306 | 1,133 | 1,434 |
| Total non-interest income | 5,149 | 5,372 | 14,472 | 17,347 |
| Non-interest expenses | ||||
| Salaries and employee benefits | 10,177 | 10,745 | 29,672 | 31,215 |
| Occupancy and equipment | 2,211 | 2,027 | 6,315 | 6,105 |
| Directors’ fees | 173 | 162 | 537 | 466 |
| Data processing | 1,350 | 1,215 | 3,990 | 3,915 |
| Advertising and marketing | 291 | 404 | 846 | 1,632 |
| Mortgage servicing rights amortization | 96 | 94 | 290 | 397 |
| Hedging activity, net | 277 | 712 | 948 | 581 |
| Goodwill impairment | — | — | — | — |
| Other general and administrative | 2,411 | 2,278 | 6,888 | 6,544 |
| Total non-interest expenses | 16,986 | 17,637 | 49,486 | 50,855 |
| Income (loss) before income taxes | 1,336 | (1,142) | 3,312 | (1,087) |
| Income tax expense (benefit) | 256 | (247) | 648 | (234) |
| Net income (loss) | $1,080 | $(895) | $2,664 | $(853) |
| Earnings (losses) per share - basic and diluted | $0.06 | — | $0.15 | — |
| Weighted average shares outstanding | 18,345,720 | — | 18,329,966 | — |
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