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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 2.68% | 2.21% | 1.69% | 1.77% | 0.94% | 1.24% | 1.41% | -27 bps | |
| Return on Equity | 18.64% | 20.15% | 16.45% | 12.40% | 12.60% | 6.68% | 9.66% | 12.13% | -26 bps | |
| Net Interest Margin | 4.98% | 5.00% | 5.01% | 4.82% | 4.95% | 4.81% | 4.64% | 4.45% | -36 bps | |
| Efficiency Ratio | 49.09% | 45.32% | 56.65% | 55.94% | 59.32% | 61.29% | 68.45% | 61.44% | +550 bps | |
| Non-Interest Burden | 1.39% | 0.86% | 1.76% | 1.61% | 2.34% | 2.43% | 2.77% | 2.17% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.51% | 10.40% | 11.82% | 2.72% | -0.11% | 5.00% | 0.88% | 9.27% | +655 bps | |
| Loan Growth (YoY) | 11.12% | 15.37% | 17.98% | 12.71% | 14.93% | 11.76% | 12.55% | 15.52% | +281 bps | |
| Deposit Growth (YoY) | 13.59% | 12.08% | 9.92% | 6.04% | -2.30% | 4.54% | 1.83% | 11.92% | +588 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.32% | 1.02% | 1.42% | 2.42% | 2.44% | 2.33% | 2.84% | 3.54% | +112 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.48% | 0.06% | 0.22% | 0.20% | 0.55% | 0.23% | 0.41% | +18 bps | |
| Allowance / Loans | 1.16% | 1.11% | 1.19% | 1.41% | 1.34% | 1.44% | 1.39% | 1.40% | -1 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 0.8x | 0.6x | 0.5x | 0.6x | 0.5x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.35% | 14.33% | 14.66% | 14.41% | 15.33% | 15.04% | 12.73% | 12.20% | -222 bps | |
| Total Risk-Based Capital | 21.09% | 20.84% | 20.88% | 20.61% | 20.94% | 20.54% | 17.27% | 16.83% | -379 bps | |
| Equity / Assets | 13.09% | 13.48% | 13.44% | 13.80% | 14.25% | 13.98% | 11.77% | 11.54% | -226 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.08% | 82.98% | 82.35% | 87.73% | 90.67% | 88.71% | 91.02% | 90.55% | +282 bps | |
| Liquid Assets / Assets | 2.86% | 1.61% | 1.58% | 1.75% | 1.46% | 4.81% | 0.48% | 1.01% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 330% | 389% | n/a | n/a | |