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FFB Bank

Fresno, CA · Cert 58090 · FFB Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

FFB Bank

Fresno, CA · Cert 58090 · FFB Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.6BAssets
$1.3BLoans
$1.4BDeposits
$186.7MEquity
Loan mix
76%RE $872.0M24%C&I $272.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
47%Interest-bearing $658.0M53%Noninterest $730.6MQ2 2025Q2 2026

NIM

5.63%Q2 ’245.74%Q2 ’255.54%Q2 ’26+2%-10%

Non-interest income vs. expense

3.63%Q2 ’244.16%Q2 ’253.76%Q2 ’26+19%+43%

Market Position · Fresno, CA · 2026 SOD (annual) · 6.6% share · #5 of 22 inst. · $1.4B of $21.1B

Executive Summary

  • Earnings: ROA of 1.33%, down 64 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 3.54% of loans (+112 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 12.20%, down 222 bps from a year ago.
  • Funding: loans stand at 90.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%-64 bps YoY

Net Interest Margin (YTD, annualized)

4.45%-47 bps YoY

Efficiency Ratio (YTD, annualized)

64.88%+857 bps YoY

Tier 1 Leverage Ratio

12.20%-222 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.89%1.65%1.24%1.33%-64 bps
Return on Equity14.49%13.79%11.94%9.66%10.67%-382 bps
Net Interest Margin4.92%5.03%4.84%4.64%4.45%-47 bps
Efficiency Ratio56.30%57.20%58.13%68.45%64.88%+857 bps
Non-Interest Burden1.69%1.94%2.01%2.77%2.41%+72 bps
Growth
Asset Growth (YoY)2.72%-0.11%5.00%0.88%9.27%+655 bps
Loan Growth (YoY)12.71%14.93%11.76%12.55%15.52%+281 bps
Deposit Growth (YoY)6.04%-2.30%4.54%1.83%11.92%+588 bps
Asset Quality
Nonperforming Loans / Loans2.42%2.44%2.33%2.84%3.54%+112 bps
Net Charge-Offs / Loans0.14%0.16%0.25%0.23%0.31%+17 bps
Allowance / Loans1.41%1.34%1.44%1.39%1.40%-1 bps
Allowance Coverage of NPLs0.6x0.5x0.6x0.5x0.4x-0.2x
Capital
Tier 1 Leverage Ratio14.41%15.33%15.04%12.73%12.20%-222 bps
Total Risk-Based Capital20.61%20.94%20.54%17.27%16.83%-379 bps
Equity / Assets13.80%14.25%13.98%11.77%11.54%-226 bps
Liquidity & Funding
Loans / Deposits87.73%90.67%88.71%91.02%90.55%+282 bps
Liquid Assets / Assets1.75%1.46%4.81%0.48%1.01%-73 bps
CRE / Total Capitaln/a327%330%389%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

FFB Bank

Fresno, CA · Cert 58090 · Peer group: banks $1B-$10B in assets (n=322-328) · FFB Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.6BAssets
$1.3BLoans
$1.4BDeposits
$186.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets (rank 28 of 328).
  • Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets (rank 313 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.30%

Rank 132 of 328

Net Interest Margin

4.45%

Rank 28 of 328

Efficiency Ratio

64.88%

Rank 220 of 328

Equity / Assets

11.54%

Rank 105 of 328

Non-interest income vs. expense

$22.0M$61.5MINCOMEEXPENSE
Unfavorable gap of $39.5M · efficiency ratio beats 33% of banks $1B-$10B in assets
Bank 64.88%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.30%0.91%1.22%1.52%Beats 60%132 / 328
Return on Equity11.28%8.43%11.45%14.43%Beats 48%172 / 328
Net Interest Margin4.45%3.03%3.45%3.83%Beats 91%28 / 328
Efficiency Ratio64.88%51.61%59.56%67.53%Beats 33%220 / 328
Asset Quality
Nonperforming Loans / Loans3.54%0.24%0.51%1.03%Beats 3%313 / 322
Net Charge-Offs / Loans0.16%0.01%0.03%0.10%Beats 18%266 / 322
Capital
Tier 1 Capital Ratio15.57%11.75%13.15%15.47%Beats 76%80 / 328
Total Risk-Based Capital Ratio16.83%12.63%14.15%16.46%Beats 78%71 / 328
Equity / Assets11.54%9.15%10.33%12.01%Beats 68%105 / 328
Liquidity & Funding
Loans / Deposits90.55%76.63%87.92%95.36%59th pctl134 / 323
Loans / Assets77.71%65.18%74.15%79.98%66th pctl110 / 328
Brokered Deposits / Depositsn/aNot reported for this institution