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FB Bancorp, Inc. /MD/

FBLA Nasdaq Savings Institutions, Not Federally Chartered Financials FY2023–FY2025

Revenue Total sales reported in the income statement.
$52.1M
21.6% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
87.5%
23.0 pts
Net income Profit after all expenses, interest and tax.
$1.3M
Return on equity Net income as a share of average shareholders' equity.
0.4%
3.0 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On −$0.01 EPS (TTM)

What FB Bancorp, Inc. /MD/ does

No business description yet.

Legal name
FB Bancorp, Inc. /MD/
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 26, 2026
Accession · CIK
0001193125-26-126081
0002013639

Revenue and margins

FB Bancorp, Inc. /MD/ had $52.1M of revenue in fiscal 2025, down 21.6% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

FB Bancorp, Inc. /MD/ returned $22.2M to shareholders in fiscal 2025. The diluted share count rose 410.9%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY23FY24FY25
Deposits $769M$801M$841M
Total assets $1.1B$1.2B$1.3B
Shareholders' equity $157M$326M$314M
Goodwill $5.8M$0.0M—

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

3 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY23FY24FY25
Income statement
Revenue $69.1M $66.5M $52.1M
Net interest income $44.2M $41.4M $48.0M
Noninterest income $24.9M $4.7M $4.1M
Noninterest expense $67.0M $42.9M $45.6M
Provision for credit losses $24.9M $31.4M —
Pretax income $1.4M $1.7M $4.8M
Income tax $0.3M $0.2M $0.9M
Net income $1.1M −$6.2M $1.3M
Diluted EPS — −$1.74 $0.07
Diluted shares — 0.00B 0.02B
Cash flow
Cash from operations −$7.0M $0.8M $2.8M
Capital expenditure $7.0M $5.4M $6.7M
Free cash flow −$14.0M −$4.6M −$3.9M
Depreciation and amortization $2.4M $2.5M $2.7M
Stock-based compensation — — $0.0M
Share buybacks — — $22.2M
Dividends and buybacks — — $22.2M
Balance sheet
Cash and short-term investments $87.1M $98.8M $60.3M
Deposits $769M $801M $841M
Property and equipment, net $51.5M $53.2M $57.1M
Goodwill $5.8M $0.0M —
Total assets $1.1B $1.2B $1.3B
Total liabilities $968M $895M $941M
Preferred stock — $0.0M $0.0M
Shareholders' equity $157M $326M $314M
Margins
Net margin 1.6% −9.3% 2.4%
FCF margin −20.3% −6.8% −7.5%
Net interest share of revenue 63.9% 62.4% 92.1%
Efficiency ratio 97.0% 64.5% 87.5%
Returns
Return on equity 0.7% −2.6% 0.4%
Return on assets 0.1% −0.5% 0.1%
Return on tangible equity 0.7% −1.9% 0.4%
Growth
Revenue growth — −3.8% −21.6%
Net income growth — −655.8% —
Share count change — — 410.9%
Capital allocation
Capex / revenue 10.2% 8.1% 12.8%
Stock comp / revenue — — 0.1%
Quality scores
Accruals ratio 0.7% −0.6% −0.1%

Source: SEC EDGAR XBRL filings (CIK 0002013639). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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