FFB Bancorp (FFBB)

FFB Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	58.29	63.42	62.6	56.97	36.78	10.41
Investment Securities	259.74	141.05	161.44	189.98	208.79	174.42
Mortgage-Backed Securities	-	192.49	175.05	166.27	94	58.75
Total Investments	259.74	333.54	336.49	356.25	302.79	233.16
Gross Loans	1,122	1,071	928.34	845.46	726.25	620.77
Allowance for Loan Losses	-15.3	-11.83	-9.98	-9.91	-9.79	-7.85
Other Adjustments to Gross Loans	-3.33	-4.2	-3.63	-2.91	-2.98	-3.73
Net Loans	1,103	1,055	914.73	832.64	713.49	609.19
Property, Plant & Equipment	-	1.77	1.98	1.77	1.88	2.21
Loans Held for Sale	23.46	-	-	11.06	3.81	-
Accrued Interest Receivable	40.78	8.52	7.49	6.96	5.19	4.84
Long-Term Deferred Tax Assets	-	13.67	13.04	13.68	2.78	1.33
Other Long-Term Assets	12.69	22.35	22.65	11.26	10.58	8.87
Total Assets	1,499	1,504	1,364	1,294	1,080	871.9
Interest Bearing Deposits	500.02	375.54	306.87	318.57	321.25	254.6
Institutional Deposits	-	80.33	62.8	25.58	21.25	24.73
Non-Interest Bearing Deposits	758.24	828.51	775.51	737.08	594.04	446.92
Total Deposits	1,258	1,284	1,145	1,081	936.55	726.25
Current Portion of Leases	-	0.89	-	-	-	-
Accrued Interest Payable	-	2.06	1.96	0.28	0.23	0.29
Long-Term Debt	38.13	38.01	73.6	104.44	39.28	70.13
Long-Term Leases	-	0.56	-	1.41	1.6	2.04
Pension & Post-Retirement Benefits	-	0.24	0.35	1.68	1.54	1.31
Other Long-Term Liabilities	16.42	9.6	12.53	13.07	11.62	3.33
Total Liabilities	1,320	1,336	1,234	1,202	990.81	803.35
Common Stock	25.25	38.44	36.18	34.37	32.49	31
Retained Earnings	168.51	148.14	113.99	80.47	53.95	33.42
Comprehensive Income & Other	-14.33	-18.18	-19.47	-22.48	2.86	4.13
Total Common Equity	179.42	168.39	130.7	92.36	89.29	68.55
Shareholders' Equity	179.42	168.39	130.7	92.36	89.29	68.55
Total Liabilities & Equity	1,499	1,504	1,364	1,294	1,080	871.9
Total Debt	45.13	39.46	73.6	105.85	40.89	72.16
Net Cash (Debt)	14.65	25.68	-9.32	-45.9	-2.62	-52.58
Net Cash Growth	-81.83%	-	-	-	-	-
Net Cash Per Share	4.69	8.06	-2.93	-14.61	-0.84	-17.33
Filing Date Shares Outstanding	2.99	3.18	3.17	3.14	3.07	3
Total Common Shares Outstanding	2.99	3.18	3.17	3.14	3.07	3
Book Value Per Share	60.04	53.02	41.21	29.41	29.08	22.82
Tangible Book Value	179.42	168.39	130.7	92.36	89.29	68.55
Tangible Book Value Per Share	60.04	53.02	41.21	29.41	29.08	22.82

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.