Headquartered in Fresno, California, FFB Bank is a state-chartered bank with $1.6B in total assets and $1.4B in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 2005.
Based on its Q2 2026 filing, FFB Bank scores 46/100, which we describe as below average. That is higher than only 5% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 110th. Its strongest component is earnings (73/100; 1.33%), and its lowest is loan quality (0/100; 3.54%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 19 points (65 → 46), mostly because the earnings component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 79 |
| Q1 2025 | 77 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 49 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.30% |
| Q3 2024 | 14.35% |
| Q4 2024 | 14.33% |
| Q1 2025 | 14.66% |
| Q2 2025 | 14.41% |
| Q3 2025 | 15.33% |
| Q4 2025 | 15.04% |
| Q1 2026 | 12.73% |
| Q2 2026 | 12.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.27% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.42% |
| Q2 2025 | 2.42% |
| Q3 2025 | 2.44% |
| Q4 2025 | 2.33% |
| Q1 2026 | 2.84% |
| Q2 2026 | 3.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.37% |
| Q3 2024 | 2.38% |
| Q4 2024 | 2.47% |
| Q1 2025 | 2.21% |
| Q2 2025 | 1.97% |
| Q3 2025 | 1.89% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $1.6B | 12.20% | 3.54% | 1.33% | 89.3% |
| Q1 2026 | 49 | $1.6B | 12.73% | 2.84% | 1.24% | 89.8% |
| Q4 2025 | 65 | $1.6B | 15.04% | 2.33% | 1.65% | 87.4% |
| Q3 2025 | 66 | $1.5B | 15.33% | 2.44% | 1.89% | 89.5% |
| Q2 2025 | 65 | $1.5B | 14.41% | 2.42% | 1.97% | 86.5% |
| Q1 2025 | 77 | $1.6B | 14.66% | 1.42% | 2.21% | 81.4% |
| Q4 2024 | 79 | $1.5B | 14.33% | 1.02% | 2.47% | 82.1% |
| Q3 2024 | 78 | $1.5B | 14.35% | 1.32% | 2.38% | 76.2% |
| Q2 2024 | 76 | $1.4B | 14.30% | 1.27% | 2.37% | 81.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| US Metro BankBank Garden Grove, CA | 52 out of 100, Below average | $1.6B | 10.4% | 1.54% | vs |
| Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA | 88 out of 100, Very strong | $1.4B | 16.8% | 0.00% | vs |
| American Riviera BankBank Santa Barbara, CA | 67 out of 100, Moderate | $1.4B | 11.3% | 0.68% | vs |
| State Bank of India (California)Bank Los Angeles, CA | 69 out of 100, Moderate | $1.4B | 14.0% | 1.11% | vs |
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| First Northern Bank of DixonBank Dixon, CA | 74 out of 100, Strong | $1.9B | 12.0% | 0.41% | vs |
Deposit insurance
Is my money safe at FFB Bank?
Yes. FFB Bank is an FDIC-insured institution (FDIC certificate #58090). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.7% of deposits ($731.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.83% (benchmark: 10%).
3 locations
Branches
FFB Bank lists 1 office in 1 city. Most locations:
- Fresno, CA (1)
HMDA 2025
Mortgage lending
In 2025, FFB Bank reported 42 home-loan applications under HMDA (LEI 549300TUGV15PJJSFC84): 42 originated ($73,940,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- FFB Bank
- Former names
- Fresno First Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58090
- RSSD ID
- 3398623
- Primary regulator
- FDIC
- Holding company
- Ffb Bcorp
- Established
- December 23, 2005
- Headquarters
- 7690 N Palm Ave, Fresno, CA 93711
- Website
- www.ffb.bank
- Employees
- 191
Quick answers
FFB Bank: common questions
Is FFB Bank FDIC insured?
Yes. FFB Bank is an FDIC-insured institution (FDIC certificate #58090). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FFB Bank's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FFB Bank ever failed?
There is no failure record for FDIC certificate #58090 in the FDIC failed bank list.
How many branches does FFB Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fresno
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fresno Grangers Federal Credit UnionCredit union Fresno, CA | 98 out of 100, Very strong | $25.9M | 24.6% | 0.00% | vs |
| Educational Employees Credit UnionCredit union Fresno, CA | 96 out of 100, Very strong | $5.4B | 14.6% | 0.20% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Fresno Police Department Credit UnionCredit union Fresno, CA | 89 out of 100, Very strong | $49.5M | 23.3% | 0.06% | vs |
| Murphy BankBank Fresno, CA | 88 out of 100, Very strong | $357.2M | 14.9% | 0.39% | vs |
| Greater Valley Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $34.4M | 14.4% | 0.00% | vs |