# FFB BANK
FRESNO, CA · FDIC certificate 58090 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.62B | |
| Deposits | $1.39B | |
| Loans and leases | $1.26B | |
| Total equity | $186.7M | |
| Loans / deposits | 89.28% (p57 of band) | 87.10% |
| Liquid assets / assets | 19.06% (p41 of band) | |
| Uninsured deposits / deposits | 52.68% (p92 of band) | 30.76% |
| Brokered deposits | 9.70% | |
| Wholesale funding | 11.24% (p69 of band) | |
| FHLB advances / assets | 1.55% | |
| Tier 1 leverage | 12.20% (p78 of band) | 10.50% |
| Unrealized securities loss / equity | -9.49% (p42 of band) | -7.75% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 1.33% (p57 of band) | 1.26% |
| Net interest margin | 4.87% (p93 of band) | 3.70% |
| Efficiency ratio | 64.88% (p68 of band) | |
| Noncurrent loans | 3.54% (p97 of band) | 0.51% |
| Net charge-offs (annualized) | 0.25% (p89 of band) | |
| Reserve coverage of noncurrent | 39.67% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 18.47% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $7.3M (4% of equity) (p82 of band) | |
| Deposits YoY | 11.9% | |
| Employees | 191 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | charge-offs p90 | capital falling |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 3 | losing money, charge-offs p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 1 |  | capital falling, losing money |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | charge-offs p90, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | uninsured deposits >50%, capital falling |
| 2020-06 | 1 | uninsured deposits >50% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 4 | charge-offs p90 | capital falling |
| 2023-06 | 1 |  | noncurrent p90, reserve under noncurrent, charge-offs p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 2 | reserve under noncurrent |  |
| 2025-06 | 3 | noncurrent p90 |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 5 | capital falling, run vulnerability |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-13 [TriCo, First Hawaiian merge in $2B deal | Tri Counties Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV0NtV3R0TTdlVS1iVVkxcG1LV3JYRGcyMFBXNzAzcnk4NUh3VFBZTmlZWEl3alUtbm9VcGU2UEVxQlRtZ2FTX0Yxb3ptb3EzN1FVa0pZcG9MOG1qaU9za2RXQUpDSncyV2ZPOUV1ek82X25Fai1iWGMyRWJneXZVUldMWFQ4Q3JNUkZSVHpjSnRMQQ?oc=5) · thebusinessjournal.com
- 2025-04-25 [Ffb Bancorp (FFBB) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTFB3aWU5WFQwcmNGQlpNVHJXaHRoTVk1QXRpcTd3S0RkRmhXTXQyalFReG5RbW54UnE4U2dOcDhwSlNLQjllaTZEelZYRl96amhXUHlv?oc=5) · Stock Titan
- 2023-09-25 [FFB Bancorp President and CEO Taking Personal Leave of Absence - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxPbV9sbENlczktS2RuOTVrQ1NZT2ZNSWcxTlQ0M3lWRlFYZmNuOUZYS3dZV1MwQ0RodUprbGRoWGR0RVBmX3QyZ0c0cHhtQmRwemNfOGozaHhmb0NUN3FDSFlidHI1UXdmQmd3MW50N2VVZ2diS21vUmpUTmhLWElIeGR6WS0?oc=5) · Yahoo Finance
- 2023-03-13 [Seeking national profile, Fresno First Bank announces name change - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPemtDTmdET29ybXR3NFN5ZGRfSl9ucUZMbWRwRUltMmpmS3BzenpnMnRCanFDaHlnRHlBYzV1UERFVF92Sm01bFB5MkcyTjZLUjV0NzgwRVZlZFd6YXVLdzZENHR0dWlhUDJ0V0FWWHhyaXNVYXU4V1E3Uk9UN09tOW82MkZmWGdYZUNkaTBqZllsUVJFSTlycU85WUo?oc=5) · thebusinessjournal.com
- 2025-07-23 [FFB Bancorp Announces Second Quarter 2025 Results - GlobeNewswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxPX0U2RlNSTXNCSzhzQ3hKTnBCMGFabnRJN2ozdTVPSkN3dnZiaEhnRTNsOXBZLXVNSXZhck96alZOMHM5TGlPd0xnZDFMbEZLQ1N3c0VMRGw0SGRzZ2p6WVRZcHdrbWtRQmNERWItdWNtSk5tRmZ4NHlxVHk4cWYycE1sSk03dUdkMHhXa1Z4MUNHejNWTVE0Q1NNYXE0WVgwVmNLT0ptZmZoMDBNc0hON25MSkdlMGZpeHBHVC1B?oc=5) · GlobeNewswire
- 2026-01-30 [Stone Bank Expands SBA Division - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTE9sV2dyU1k3T3hfYm4wNnJqWTE5TEljOEFJLWV1dFppZk1tU2Y3U0lvVGlaZDFwQ21nREtBX2QxeGNtdXBiOHVYUmYwd0prUmM4SDN6LWRocVBaV3VlM3NmdzVkU1hlWThpMWFQTzNRNEE?oc=5) · Arkansas Money & Politics
- 2025-07-03 [The top-performing 20 public banks with under $2B of assets - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWG5vWmhhNHdZTVUtZnk5MGdPNWNOMFZkb0pPdS1mU1Y0SFdRekR3VDI4Vm5NWjZIVndNVEMxYW5DTFp1ak5wc2RQUkNZeXZQSVRwWm1UVWIzR3JLY19mR2JaYm15b3NGUl84S080TUd0WUpMZDVZMGdjeHEwUzhqY1VGUkdqYjZibF9YVmZpcTZscnpNY0VSUnlR?oc=5) · American Banker
- 2026-08-05 [Central Valley bank earnings mixed as loan growth, mergers reshape second quarter - thebusinessjournal.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOenZVeU9TQ3haRnItT2pmUm41WEh3cHdtb3E3d0ZSclZMMDdaa012QTk0NHU4NHl6cHp5a0EwV29EaDVvMmhhTGxwMkhoSmVQb3hTSWc0ajNkMG9vU2wtY05hb3pOY3l0OUp0X0VBa0daaWFKaHBjdG5VckQ5cmZSTWtB?oc=5) · thebusinessjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58090 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "58090", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide