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AI brief of an SEC Form 8-K · FB Bancorp, Inc. /MD/ (FBLA)

FB Bancorp Q3 net income falls to $466 thousand from $1.1 million a year earlier

Negative Impact 3 of 5 earnings

FB Bancorp reported third-quarter 2026 net income of $466 thousand, down from $1.1 million a year earlier, as non-interest expenses rose and net interest margin fell to 4.30% from 4.65%. Nine-month net income was $515 thousand versus $2.7 million, including a $1.1 million loss from discontinued mortgage banking operations. Shareholders face lower earnings and a commercial loan of approximately $19.8 million now classified as substandard.

Key points

  • Q3 2026 net income was $466 thousand versus $1.1 million in Q3 2025; continuing operations EPS was $0.03 versus $0.06.
  • Nine-month 2026 net income was $515 thousand, including a $1.1 million loss from discontinued operations, versus $2.7 million a year earlier.
  • Non-interest expenses rose $390 thousand, or 3.33%, in Q3 2026 year over year, with $686 thousand of stock-based compensation.
  • A commercial loan with a principal balance of approximately $19.8 million was classified substandard after two co-borrower entities filed for Chapter 11 in June 2026; no specific allowance was recorded.

The filing

CompanyFB Bancorp, Inc. /MD/ (FBLA)
Form8-K, current report
Filed with the SECNov 6, 2026, 4:32 PM ET
Accession number0001193125-26-451943

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 7:05 AM ET, from this filing only.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.