The bank maintains a conservative capital position with an equity-to-assets ratio of 0.24, yet total assets have remained stagnant at approximately $1.3 billion since 2025Q3.
| Cash & Short Term Investments | 1.44B | 380.71M | 198.96M | 167.01M | 304.86M |
| Cash & Due from Banks | 6.16M | 60.27M | 98.84M | 87.11M | 60.74M |
| Short Term Investments | 346.94M | 320.45M | 100.12M | 79.9M | 244.12M |
| Total Investments | 1.11B | 1.09B | 877.24M | 762.14M | 810.44M |
| Investments Growth % | 100.72% | 24.02% | 15.1% | -5.96% | - |
| Long-Term Investments | 3.13B | 767.55M | 777.12M | 682.24M | 566.33M |
| Accounts Receivables | 5.43M | 5.69M | 5.73M | 5.51M | 4.66M |
| Goodwill & Intangibles | 938K | 904K | 1.08M | 8.02M | 14.69M |
| Goodwill | 0 | 0 | 0 | 5.79M | 5.79M |
| Intangible Assets | 938K | 904K | 1.08M | 2.23M | 8.9M |
| PP&E (Net) | 56.17M | 57.1M | 54.15M | 51.45M | 46.83M |
| Other Assets | 426.15M | 41.54M | 181.75M | 208.19M | 67.86M |
| Total Current Assets | 11.59M | 388.31M | 206.84M | 175.03M | 311.57M |
| Total Non-Current Assets | 1.25B | 867.1M | 1.01B | 949.9M | 695.7M |
| Total Assets | 1.27B | 1.26B | 1.22B | 1.12B | 1.01B |
| Asset Growth % | 1.24% | 2.82% | 8.53% | 11.68% | - |
| Return on Assets (ROA) | 0.05% | 0.1% | -0.53% | 0.1% | 0.21% |
| Accounts Payable | 447K | 392K | 380K | 524K | 20K |
| Total Debt | 95.57M | 78.26M | 73.5M | 172.2M | 30.1M |
| Net Debt | 89.41M | 17.99M | -25.34M | 85.09M | -30.64M |
| Long-Term Debt | 65.57M | 78.26M | 73.5M | 172.2M | 30.1M |
| Short-Term Debt | 30M | 0 | 0 | 0 | 0 |
| Other Liabilities | 871.72M | 20.9M | 20.06M | 26.18M | 33.6M |
| Total Current Liabilities | 30M | 841.79M | 801.12M | 769.81M | 791.55M |
| Total Non-Current Liabilities | 937.29M | 99.16M | 93.56M | 198.38M | 63.7M |
| Total Liabilities | 967.29M | 940.96M | 894.68M | 968.2M | 855.25M |
| Total Equity | 297.72M | 314.45M | 326.25M | 156.74M | 152.02M |
| Equity Growth % | 208.94% | -3.62% | 108.15% | 3.1% | - |
| Equity / Assets (Capital Ratio) | 23.53% | 25.05% | 26.72% | 13.93% | 15.09% |
| Return on Equity (ROE) | 0.21% | 0.39% | -2.57% | 0.72% | 1.39% |
| Book Value per Share | 18.28 | 17.28 | 19.19 | 9.09 | 8.81 |
| Tangible BV per Share | 18.22 | 17.23 | 19.12 | 8.62 | 7.96 |
| Common Stock | 170K | 181K | 198K | 0 | 0 |
| Additional Paid-in Capital | 157.53M | 171.5M | 193.57M | 0 | 0 |
| Retained Earnings | 167.28M | 167.16M | 165.91M | 172.13M | 171.01M |
| Accumulated OCI | -10.94M | -7.9M | -16.21M | -15.39M | -18.99M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 |
Excessive liquidity deployment risk
As reported in recent financial filings, FBLA's total assets have remained stagnant at approximately $1.3 billion since 2025Q3, indicating that the bank is currently failing to translate its post-conversion capital influx into meaningful organic loan growth or expanded market share within the Louisiana residential mortgage sector.
The balance sheet composition reveals a heavy reliance on investment securities rather than core loan assets, which suggests a defensive posture that may be limiting long-term revenue potential. Investors should monitor whether this asset stagnation reflects a lack of regional demand or a deliberate, overly cautious underwriting strategy following the transition to a public entity.
Based on the reported equity-to-assets ratio of 0.24 in 2026Q1, FBLA maintains a robust capital cushion, yet the bank's inability to generate positive returns on this equity suggests that the current capital structure is inefficiently utilized and may require more aggressive deployment to satisfy public market expectations.
The significant increase in equity following the mutual-to-stock conversion provides a fortress-like foundation, but it simultaneously dilutes the return on equity metrics. Management appears to be struggling to balance the preservation of this capital with the necessity of driving growth, which may lead to further share buybacks if organic lending opportunities remain scarce.
According to quarterly balance sheet data, FBLA holds a substantial cash and equivalents position of $60.2 million as of 2025Q4, which, while providing a buffer against funding volatility, highlights a significant opportunity cost as these funds remain largely uninvested in higher-yielding, core banking assets.
The bank's liquidity profile appears heavily skewed toward cash and investment securities, which may be a byproduct of the recent capital raise rather than a strategic liquidity management decision. This reliance on low-yielding assets likely contributes to the compressed net interest margin and warrants investigation into the bank's long-term strategy for asset-liability management.
As evidenced by the $1.1 billion investment securities portfolio, FBLA's balance sheet is heavily exposed to interest rate fluctuations, which may indicate a significant duration mismatch that could negatively impact the bank's book value if market interest rates remain elevated or continue to shift unexpectedly.
The concentration of assets in securities rather than loans suggests that the bank is effectively functioning as an investment vehicle rather than a traditional lender. This strategy appears to leave the bank vulnerable to unrealized losses in the AOCI, which could further constrain the bank's ability to deploy capital effectively in the future.
Quick answers to the most common questions about buying FBLA stock.
As of 2025, FB Bancorp, Inc. Common Stock (FBLA) had total assets of $1.26B including $388.3M in current assets.
FB Bancorp, Inc. Common Stock (FBLA) carries total debt of $78.3M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
FB Bancorp, Inc. Common Stock (FBLA) has total shareholders' equity (book value) of $314.4M ($17.28 book value per share). Book value represents the net worth of the company belonging to common stock holders.
FB Bancorp, Inc. Common Stock (FBLA) reported a current ratio of 0.46x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.