FB Bancorp, Inc. (FBLA) Balance Sheet
FBLA balance sheet, 2025
December 31, 2025 · U.S. dollars$1.26B assets = $941.0M liabilities + $314.4M equity
Both columns are drawn to the same scale: what FBLA owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FBLA financial health
Descriptive bands, not a rating. Fiscal 2025.
FBLA balance sheet trends, 2022–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.01B2022 | $1.26B2025 | +7.6%/yr | |
| Total liabilities | $855.2M2022 | $941.0M2025 | +3.2%/yr | |
| Shareholders’ equity | $152.0M2022 | $314.4M2025 | +27.4%/yr | |
| Cash & short-term investments | $304.9M2022 | $380.7M2025 | +7.7%/yr | |
| Total debt | $30.1M2022 | $78.3M2025 | +37.5%/yr | |
| Net cash (debt) | $274.8M2022 | $302.5M2025 | +$27.7M | |
| Working capital | −$480.0M2022 | −$453.5M2025 | +$26.5M | |
| Book value per share | $8.812022 | $17.282025 | +25.2%/yr | |
| Debt / equity | 0.202022 | 0.252025 | +0.05 | |
| Shares outstanding | 17.2M2022 | 18.2M2025 | +1.8%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FBLA assets
FBLA liabilities and equity
FBLA debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FBLA balance sheet
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | $380.7M | $199.0M | $167.0M | $304.9M |
| Cash & equivalents | $60.3M | $98.8M | $87.1M | $60.7M |
| Short-term investments | $320.4M | $100.1M | $79.9M | $244.1M |
| Receivables | $5.7M | $5.7M | $5.5M | $4.7M |
| Inventory | $0 | $0 | $0 | $0 |
| Other current assets | $1.9M | $2.2M | $2.5M | $2.1M |
| Total current assets | $388.3M | $206.8M | $175.0M | $311.6M |
| Property, plant & equipment (net) | $57.1M | $54.1M | $51.5M | $46.8M |
| Goodwill & intangible assets | $904,000 | $1.1M | $8.0M | $14.7M |
| Long-term investments | $320.4M | $100.1M | $79.9M | $244.1M |
| Other non-current assets | $488.6M | $858.7M | $810.5M | $390.1M |
| Total assets | $1.26B | $1.22B | $1.12B | $1.01B |
| Liabilities | ||||
| Accounts payable | $392,000 | $380,000 | $524,000 | $20,000 |
| Short-term debt | $22.0M | $66.7M | — | — |
| Total current liabilities | $841.8M | $801.1M | $769.8M | $791.5M |
| Long-term debt | $78.3M | $73.5M | $172.2M | $30.1M |
| Other long-term liabilities | $20.9M | $20.1M | $26.2M | $33.6M |
| Total liabilities | $941.0M | $894.7M | $968.2M | $855.2M |
| Shareholders' equity | ||||
| Common stock & paid-in capital | $181,000 | $198,000 | — | — |
| Retained earnings (deficit) | $167.2M | $165.9M | $172.1M | $171.0M |
| Accumulated other comprehensive income | −$7.9M | −$16.2M | −$15.4M | −$19.0M |
| Total shareholders' equity | $314.4M | $326.3M | $156.7M | $152.0M |
| Key figures | ||||
| Total debt | $78.3M | $73.5M | $172.2M | $30.1M |
| Net cash (debt) | $302.5M | $125.5M | −$5.2M | $274.8M |
| Working capital | −$453.5M | −$594.3M | −$594.8M | −$480.0M |
| Tangible book value | $313.5M | $325.2M | $148.7M | $137.3M |
| Book value per share | $17.28 | $19.19 | $9.09 | $8.81 |
| Shares outstanding | 18.2M | 17.0M | 17.2M | 17.2M |
| Current ratio | 0.46 | 0.26 | 0.23 | 0.39 |
| Quick ratio | 0.46 | 0.26 | 0.22 | 0.39 |
| Debt / equity | 0.25 | 0.23 | 1.10 | 0.20 |
| Equity / assets | 25.0% | 26.7% | 13.9% | 15.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||
| Cash & short-term investments | $344.0M | $385.6M | $380.7M | $357.6M | $344.9M | $208.6M | $199.0M | $382.6M | $150.6M | $137.6M | $167.0M |
| Cash & equivalents | $5.9M | $46.2M | $60.3M | $65.7M | $86.1M | $98.6M | $98.8M | $293.5M | $59.4M | $47.9M | $87.1M |
| Short-term investments | $338.0M | $339.3M | $320.4M | $291.8M | $258.8M | $110.0M | $100.1M | $89.0M | $91.2M | $89.7M | $79.9M |
| Receivables | $5.7M | $5.4M | $5.7M | $5.4M | $5.6M | $5.6M | $5.7M | $5.5M | $5.8M | $5.7M | $5.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $2.5M | $1.9M | $2.9M | $2.5M | $2.7M | $2.2M | $3.7M | $2.9M | $3.1M | $2.5M |
| Total current assets | $349.6M | $393.4M | $388.3M | $365.8M | $353.0M | $216.8M | $206.8M | $391.8M | $159.4M | $146.3M | $175.0M |
| Property, plant & equipment (net) | $55.6M | $56.2M | $57.1M | $57.8M | $57.0M | $56.6M | $54.1M | $53.0M | $52.2M | $52.0M | $51.5M |
| Goodwill & intangible assets | $898,000 | $938,000 | $904,000 | $934,000 | $947,000 | $1.0M | $1.1M | $6.8M | $6.8M | $8.0M | $8.0M |
| Long-term investments | $329.9M | $339.3M | $320.4M | $291.8M | $258.8M | $110.0M | $100.1M | $89.0M | $91.2M | $89.7M | $79.9M |
| Other non-current assets | $489.6M | $475.1M | $488.6M | $547.8M | $577.0M | $853.4M | $858.7M | $867.0M | $861.9M | $824.4M | $810.5M |
| Total assets | $1.23B | $1.27B | $1.26B | $1.26B | $1.25B | $1.24B | $1.22B | $1.41B | $1.17B | $1.12B | $1.12B |
| Liabilities | |||||||||||
| Accounts payable | $511,000 | $447,000 | $392,000 | $354,000 | $323,000 | $359,000 | $380,000 | $4.7M | $3.3M | $1.6M | $524,000 |
| Short-term debt | $35.0M | $30.0M | $22.0M | $5.0M | $38.5M | $53.5M | $66.7M | $29.0M | — | — | — |
| Total current liabilities | $35.0M | $883.0M | $841.8M | $845.3M | $863.6M | $877.3M | $801.1M | $1.01B | $774.0M | $774.3M | $769.8M |
| Long-term debt | $76.2M | $65.6M | $78.3M | $58.4M | $28.0M | $8.0M | $73.5M | $214.0M | $218.5M | $169.5M | $172.2M |
| Other long-term liabilities | $830.6M | $18.8M | $20.9M | $22.3M | $22.9M | $21.1M | $20.1M | $21.5M | $23.4M | $23.2M | $26.2M |
| Total liabilities | $941.8M | $967.3M | $941.0M | $926.0M | $914.6M | $906.4M | $894.7M | $1.25B | $1.02B | $967.0M | $968.2M |
| Shareholders' equity | |||||||||||
| Common stock & paid-in capital | $161,000 | $170,000 | $181,000 | $198,000 | $198,000 | $198,000 | $198,000 | — | — | — | — |
| Retained earnings (deficit) | $167.2M | $167.3M | $167.2M | $168.6M | $167.5M | $166.6M | $165.9M | $171.3M | $172.2M | $171.3M | $172.1M |
| Accumulated other comprehensive income | −$12.4M | −$10.9M | −$7.9M | −$7.5M | −$12.3M | −$11.9M | −$16.2M | −$9.8M | −$16.5M | −$18.0M | −$15.4M |
| Total shareholders' equity | $283.8M | $297.7M | $314.4M | $338.2M | $332.1M | $331.4M | $326.3M | $161.5M | $155.7M | $153.4M | $156.7M |
| Key figures | |||||||||||
| Total debt | $111.2M | $95.6M | $78.3M | $63.4M | $66.5M | $61.5M | $73.5M | $214.0M | $218.5M | $169.5M | $172.2M |
| Net cash (debt) | $232.8M | $290.0M | $302.5M | $294.1M | $278.4M | $147.1M | $125.5M | $168.6M | −$67.9M | −$31.9M | −$5.2M |
| Working capital | $314.6M | −$489.5M | −$453.5M | −$479.4M | −$510.7M | −$660.5M | −$594.3M | −$619.0M | −$614.6M | −$627.9M | −$594.8M |
| Tangible book value | $282.9M | $296.8M | $313.5M | $337.3M | $331.1M | $330.4M | $325.2M | $154.6M | $148.9M | $145.4M | $148.7M |
| Book value per share | $19.03 | $18.28 | $17.66 | $18.43 | $18.12 | $18.10 | $23.02 | $8.14 | $9.03 | $8.89 | $9.09 |
| Shares outstanding | 14.9M | 16.3M | 17.8M | 18.3M | 18.3M | 18.3M | 14.2M | 19.8M | 17.2M | 17.2M | 17.2M |
| Current ratio | 9.99 | 0.45 | 0.46 | 0.43 | 0.41 | 0.25 | 0.26 | 0.39 | 0.21 | 0.19 | 0.23 |
| Quick ratio | 9.99 | 0.44 | 0.46 | 0.43 | 0.41 | 0.24 | 0.26 | 0.38 | 0.20 | 0.18 | 0.22 |
| Debt / equity | 0.39 | 0.32 | 0.25 | 0.19 | 0.20 | 0.19 | 0.23 | 1.33 | 1.40 | 1.11 | 1.10 |
| Equity / assets | 23.2% | 23.5% | 25.0% | 26.8% | 26.6% | 26.8% | 26.7% | 11.5% | 13.3% | 13.7% | 13.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 26, 2026); data from EODHD.
FBLA financial position
At the end of fiscal 2025 (December 31, 2025), FB Bancorp had total assets of $1.3 billion (up 2.8% from a year earlier), total liabilities of $941.0 million and shareholders' equity of $314.4 million. It held $380.7 million in cash and short-term investments against $78.3 million of debt, a net cash position of $302.5 million. Its current ratio was 0.46. In the latest quarter (ended June 30, 2026) total assets were $1.2 billion and equity $283.8 million.
Related: FBLA income statement, FBLA cash flow statement, FBLA key metrics. See the FBLA stock overview for the latest quote and news.
FBLA balance sheet FAQ
What are FB Bancorp's total assets?
FB Bancorp reported total assets of $1.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.2 billion a year earlier.
How much debt does FB Bancorp have?
FB Bancorp had $78.3 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.25.
How much cash does FB Bancorp have?
FB Bancorp held $380.7 million in cash and short-term investments at the end of fiscal 2025; with $78.3 million of debt that is net cash of $302.5 million.
What is FB Bancorp's book value?
FB Bancorp's shareholders' equity (book value) was $314.4 million at the end of fiscal 2025, or $17.28 per share.
What is FB Bancorp's current ratio?
FB Bancorp had current assets of $388.3 million and current liabilities of $841.8 million, a current ratio of 0.46 (current liabilities exceed current assets).
How much goodwill does FB Bancorp have?
FB Bancorp carried $0.9 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.