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
Unfavorable gap of $39.5M · efficiency ratio beats 33% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.91% | 1.22% | 1.52% | Beats 60% | 132 / 328 | | |
| Return on Equity | 11.28% | 8.43% | 11.45% | 14.43% | Beats 48% | 172 / 328 | | |
| Net Interest Margin | 4.45% | 3.03% | 3.45% | 3.83% | Beats 91% | 28 / 328 | | |
| Efficiency Ratio | 64.88% | 51.61% | 59.56% | 67.53% | Beats 33% | 220 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.54% | 0.24% | 0.51% | 1.03% | Beats 3% | 313 / 322 | | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.03% | 0.10% | Beats 18% | 266 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 15.57% | 11.75% | 13.15% | 15.47% | Beats 76% | 80 / 328 | | |
| Total Risk-Based Capital Ratio | 16.83% | 12.63% | 14.15% | 16.46% | Beats 78% | 71 / 328 | | |
| Equity / Assets | 11.54% | 9.15% | 10.33% | 12.01% | Beats 68% | 105 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.55% | 76.63% | 87.92% | 95.36% | 59th pctl | 134 / 323 | | |
| Loans / Assets | 77.71% | 65.18% | 74.15% | 79.98% | 66th pctl | 110 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |