FFB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	76.93	75.36	66.83	56.1	39.67	34.53
Interest Income on Investments	11.75	13.34	17.14	16.55	11.48	7.03
Total Interest Income	88.69	88.69	83.96	72.66	51.14	41.56
Interest Paid on Deposits	14.63	13.45	11.72	6.75	1.07	0.86
Interest Paid on Borrowings	1.99	2.1	2.2	2.37	1.99	1.86
Total Interest Expense	16.62	15.55	13.92	9.12	3.06	2.72
Net Interest Income	72.06	73.14	70.04	63.53	48.09	38.84
Net Interest Income Growth (YoY)	-1.02%	4.43%	10.25%	32.12%	23.82%	41.52%
Mortgage Banking Activities	14.96	20.33	25.27	20.93	8.44	4
Gain (Loss) on Sale of Investments	-0.19	-0.25	-1.3	-3.14	-0.31	0.3
Other Non-Interest Income	2.11	2.02	1.38	1.8	0.84	0.61
Total Non-Interest Income	25.03	29.51	31.95	25.05	13.34	9.97
Non-Interest Income Growth (YoY)	-26.50%	-7.63%	27.56%	87.76%	33.77%	40.99%
Revenues Before Loan Losses	97.09	102.65	101.99	88.58	61.43	48.81
Provision for Loan Losses	8.55	8.94	3.1	1.75	0.3	2
Revenue	88.54	93.71	98.89	86.83	61.13	46.81
Revenue Growth (YoY)	-14.01%	-5.23%	13.89%	42.05%	30.58%	49.95%
Salaries and Employee Benefits	30.13	29.17	22.72	17.49	13.05	9.95
Occupancy Expenses	0.94	0.76	0.78	0.76	0.41	0.26
Federal Deposit Insurance	1.26	1.26	0.83	0.67	0.43	0.28
Selling, General & Administrative	16.73	16.06	13.09	9.41	7.6	5.48
Other Non-Interest Expense	11.7	14	14.57	12.28	3.57	2.62
Total Non-Interest Expense	60.75	61.24	51.99	40.61	25.06	18.59
EBT Excluding Unusual Items	27.79	32.47	46.9	46.22	36.07	28.22
Pretax Income	27.79	32.47	46.9	46.22	36.07	28.22
Income Tax Expense	7.72	8.89	12.75	12.66	9.55	7.69
Net Income	20.07	23.58	34.15	33.56	26.52	20.53
Net Income to Common	20.07	23.58	34.15	33.56	26.52	20.53
Net Income Growth	-41.75%	-30.93%	1.75%	26.53%	29.20%	78.31%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-5.92%	-3.32%	0.20%	1.15%	1.36%	2.14%
EPS (Basic)	6.69	7.68	10.76	10.57	8.51	6.69
EPS (Diluted)	6.69	7.66	10.72	10.56	8.44	6.62
EPS Growth	-38.07%	-28.54%	1.52%	25.12%	27.49%	74.67%
Effective Tax Rate	27.78%	27.37%	27.18%	27.40%	26.47%	27.26%

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.