FB Bancorp Inc
bankwithfidelity.comWhat Do They Do?
Operates a community bank that takes deposits and makes residential, commercial property and business loans to households and businesses in southern Louisiana.
10-K for FY2025, filed Mar 26, 2026Fidelity Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds…View ↗
We consider our primary market areas for deposit gathering and origination of loans held for investment to be southern Louisiana including…View ↗
FB Bancorp conducts its operations primarily through Fidelity Bank. Fidelity Bank’s business consists primarily of taking deposits from the…View ↗
How Do They Make Money?
The bank earns interest on loans and investments and pays interest to depositors; it also collects deposit and lending fees, with deposit fees charged as customers transact or receive services.
10-K for FY2025, filed Mar 26, 2026FB Bancorp conducts its operations primarily through Fidelity Bank. Fidelity Bank’s business consists primarily of taking deposits from the…View ↗
Our results of operations depend primarily on our net interest income. Net interest income is the difference between the interest income we…View ↗
Service charges and fee income and other non-interest income include deposit and lending-related fees. Deposit-related fees consist of fees…View ↗
$65.8M
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10-K for FY2025, filed Mar 26, 2026
$65.8M ↗
Who Are Their Customers?
Households and businesses in southern Louisiana deposit and borrow through Fidelity Bank’s branches and lending staff; mortgage loans also come through brokers and referrals from customers and local professionals.
10-K for FY2025, filed Mar 26, 2026Originally chartered in 1908 under the name “The Fidelity Homestead Association,” Fidelity Bank (sometimes referred to herein as the…View ↗
Fidelity Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds…View ↗
We consider our primary market areas for deposit gathering and origination of loans held for investment to be southern Louisiana including…View ↗
Our loan originations are generated by our loan personnel operating at our banking office, NOLA’s loan production offices and mortgage…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 2 cents of every revenue dollar as net income in FY2025, but spent more cash than it brought in: free cash flow was −$3.9M.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Aug 13, 2026
−$70KView ↗
- ▼ Now a loss
- vs $879K in Q2 FY2025
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Jul 28, 2026
Completed sale of NOLA Lending Group’s mortgage banking segment
The sale closed on March 1, 2026; the segment had a net loss of approximately $2.7 million in 2025.
Sources
8-K, filed Jul 28, 2026
On December 31, 2025, the Bank entered into an agreement to sell substantially all of the assets and liabilities of the Bank's mortgage…View ↗
Shrinking. Revenue fell 5% in 2 years, from $69.1M in FY2023 to $65.8M in FY2025, about 2% a year.
Who Do They Compete With?
Competes with Capital One, Hancock Whitney Bank, and JP Morgan Chase Bank
10-K for FY2025, filed Mar 26, 2026We face strong competition within our primary market areas both in making loans and attracting retail deposits. Our market areas include…View ↗
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