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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

FFB Bank

Fresno, California · $1.62B in assets · beside the 11 other California banks between $1B and $3B

The filing

3.54%
NPA / loans
11th of 11
38.5%
CRE / loans
1st of 11
+15.5%
Loans, year over year
1st of 11, largest first

FFB Bank is the seventh largest of the 12 California banks nearest its size between $1B and $3B, with $1.62B in assets at 30 June 2026. Loans are 90.6% of deposits, 7th of 12 against a median of 88.6%, and equity is 11.5% of assets, 6th of 12. Loans grew +15.5% in the year, the fastest in the cohort, and deposits grew 11.9%; the cohort's median loan growth is +4.2%.

Noncurrent loans are 3.54% of the book, the highest in the cohort against a median of 0.41%; 0.22% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 0.31% of loans, 9th of 11. Commercial real estate is 38.5% of loans, the lowest in the cohort against a median of 49.6%, and 225% of capital, below the 300% screen, with construction at 16% against the 100% screen.

Return on assets is 1.29%, 4th of 12 against a median of 1.11%, on an efficiency ratio of 64.9%, 11th of 12. Five years ago it was 2.15%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 49.6% FB FFB Bank 38.5% MB Montecito Bank & Trust 41.0% MB Mission Bank 41.7% SB State Bank of India California 48.9% CB Commonwealth Business Bank 49.4% FN First Northern Bank of Dixon 49.6% UM U.S. Metro Bank 52.2% AR American Riviera Bank 55.7% OV Oak Valley Community Bank 60.0% SB Savings Bank of Mendocino County 68.9% MB Malaga Bank FSB 93.6%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.2% FB FFB Bank +15.5% AR American Riviera Bank +13.1% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% SB State Bank of India California +3.9% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% SB Savings Bank of Mendocino County -1.8%

SBA 7(a), FY2008 to FY2026

FFB Bank is the 47th largest 7(a) lender into California of 512, with $321M across 517 loans, 0.5% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 17 of its 57 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fresno, CA$168M1st of 13814.2%-0.8 pts
Los Angeles, CA$35M75th of 3080.2%+0.7 pts
Madera, CA$21M2nd of 619.9%+2.4 pts
Santa Clara, CA$15M38th of 1870.6%+1.3 pts
Tulare, CA$13M10th of 843.1%-3.2 pts
Kern, CA$13M19th of 1291.4%-2.6 pts
Orange, CA$11M86th of 2560.1%+0.5 pts
Clackamas, OR$10M14th of 1211.3%thin
Orange, NC$8M4th of 635.5%thin
Merced, CA$8M12th of 682.8%quiet FY2021
Maricopa, AZ$7M95th of 3030.1%-0.1 pts
San Diego, CA$7M81st of 2380.1%-0.3 pts
Alameda, CA$6M63rd of 1790.3%+0.2 pts
44 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade105$74M18.5%0.12%138th of 2,589
Manufacturing62$57M14.4%0.14%126th of 2,246
Health care & social assistance59$36M9.1%0.08%167th of 2,172
Accommodation & food services65$36M9.0%0.05%266th of 2,596
Construction51$32M8.1%0.10%155th of 2,063
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and FFB Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans FB FFB Bank 0.5% $321M · 517 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
FFB BankRankCohort median
Total CRE against capital, the 300% screen225%4th of 12261%
Construction against capital, the 100% screen16%8th of 1212%
Construction and land development, share of loans2.7%7th of 112.3%
Non-owner-occupied nonfarm nonresidential, share of loans15.0%2nd of 1139.9%
Total CRE, the guidance definition, share of loans38.5%1st of 1149.6%
CRE growth over 36 months, the third prong+6.7%5th of 11+11.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
American Riviera Bank$1.44B1.1%61.3%0.68%0.00%1.2%93.1%10.3%
State Bank of India California$1.38B1.1%56.5%1.11%0.01%1.3%100.1%13.5%
Bank of NY Mellon Trust Co. N.A.$1.37B15.3%40.4%no recordno recordno record0.0%80.6%
Savings Bank of Mendocino County$1.28B1.1%60.5%0.36%-0.01%2.5%72.2%14.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
FFB BankCohort median
20212026Change20212026Change
Loans$703M$1.26B+79%$833M$1.21B+45%
Deposits$868M$1.39B+60%$1.11B$1.41B+27%
NPA / loans0.15%3.54%+3.39 pts0.16%0.41%+0.25 pts
Efficiency36.1%64.9%+28.8 pts52.3%60.1%+7.8 pts
ROA2.15%1.29%-0.87 pts1.16%1.11%-0.05 pts

This read was prepared for FFB Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on FFB Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.FFB.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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