Fb Bancorp(NASDAQ) FBLA

FB Bancorp, Inc. helps families in Louisiana buy homes and manage their money. It takes deposits from local customers and provides loans to businesses and homeowners. The company operates through Fidelity Bank and a digital bank called Andi.

Banking for the Bayou

• Residential Mortgage Loans: Financing for one to four family homes; this portfolio decreased $33.7 million in the six months ended June 30, 2026.
• Commercial Real Estate: Lending for business properties and commercial construction projects.
• Business Credit: Loans provided for general business purposes to companies in the southern Louisiana region.
• Core Deposits: Consumer banking accounts including savings, certificates of deposit, and money market accounts.
• Digital Banking: Web and mobile banking services delivered through the company’s digital-only division named Andi.

Expanding Across Louisiana

• Established a new branch office in Lafayette, Louisiana, during August 2025.
• Purchased a seasoned pool of consumer loans totaling $9.9 million in June 2026.
• Completed a stock offering in the third quarter of 2024 to support its lending and investment capacity.
• Added new lending teams and market area presidents in the Baton Rouge and Lafayette markets.

Local Roots with Digital Reach

Fidelity Bank has served the southern Louisiana community since 1908 and maintains a loyal local customer base. The company combines this long-standing physical presence with a modern digital bank to meet changing consumer expectations.

The Bank by the Numbers

• Total assets were $1.23 billion at June 30, 2026, compared to $1.26 billion at Dec. 31, 2025.
• Net income from continuing operations reached $1.2 million for the six months ended June 30, 2026.
• Net interest margin fell to 4.3% for the six-month period ended June 30, 2026, from 4.6% in 2025.
• Non-interest expense increased 12.8% to $24.9 million for the six months ended June 30, 2026.
• The company recorded a $1.1 million net loss from its discontinued NOLA Lending Group during the first half of 2026.

Evolution of a Community Lender

FB Bancorp is transitioning from a traditional mutual savings model to a publicly traded commercial lender. Its expansion into digital banking and new Louisiana markets helps diversify its traditional community focus.