Fresno, CA · Cert 58090 · FFB Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Fresno, CA · 2026 SOD (annual) · 6.6% share · #5 of 22 inst. · $1.4B of $21.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.97% | 1.89% | 1.65% | 1.24% | 1.33% | -64 bps | |
| Return on Equity | 14.49% | 13.79% | 11.94% | 9.66% | 10.67% | -382 bps | |
| Net Interest Margin | 4.92% | 5.03% | 4.84% | 4.64% | 4.45% | -47 bps | |
| Efficiency Ratio | 56.30% | 57.20% | 58.13% | 68.45% | 64.88% | +857 bps | |
| Non-Interest Burden | 1.69% | 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 / Loans | 2.42% | 2.44% | 2.33% | 2.84% | 3.54% | +112 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.16% | 0.25% | 0.23% | 0.31% | +17 bps | |
| Allowance / Loans | 1.41% | 1.34% | 1.44% | 1.39% | 1.40% | -1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.6x | 0.5x | 0.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.41% | 15.33% | 15.04% | 12.73% | 12.20% | -222 bps | |
| Total Risk-Based Capital | 20.61% | 20.94% | 20.54% | 17.27% | 16.83% | -379 bps | |
| Equity / Assets | 13.80% | 14.25% | 13.98% | 11.77% | 11.54% | -226 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.73% | 90.67% | 88.71% | 91.02% | 90.55% | +282 bps | |
| Liquid Assets / Assets | 1.75% | 1.46% | 4.81% | 0.48% | 1.01% | -73 bps | |
| CRE / Total Capital | n/a | 327% | 330% | 389% | n/a | n/a | |