---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-057030"
form_type: "8-K"
ticker: "FBLA"
cik: "0002013639"
company_name: "FB Bancorp, Inc. /MD/"
filed_at: "2026-02-18T23:59:59+00:00"
generated_at: "2026-05-16T02:11:01.802330+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FB Bancorp reports 2025 net income $1.3M, sells mortgage unit to exit $2.7M loss segment

## Summary
- FY25 net income $1.3M (continuing ops $3.9M, $0.22 EPS) vs FY24 net loss $6.2M (continuing ops $1.5M).
- Mortgage banking segment sale to close Feb 28, 2026; eliminates $2.7M annual loss and 108 jobs.
- Q4 2025 net loss $1.4M (continuing ops net income $528k) vs Q4 2024 net loss $5.4M; net interest margin 4.36%.
- Non-performing loans rose to 2.26% of total loans from 1.72%; Gulf Coast residential loans pressured by insurance costs.
- Completed repurchase of 1,983,750 shares at avg $12.725; total equity down $11.8M due to buybacks.

## SEC filing metadata
- accession: 0001193125-26-057030
- form_type: 8-K
- ticker: FBLA
- cik: 0002013639
- company_name: FB Bancorp, Inc. /MD/
- filed_at: 2026-02-18T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2013639/000119312526057030/0001193125-26-057030-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2013639/000119312526057030/ck0002013639-20260218.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-057030
- JSON: https://secwatch.observer/filing/0001193125-26-057030.json
- Plain text: https://secwatch.observer/filing/0001193125-26-057030.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.