# FB Bancorp, Inc. /MD/ (FBLA) Informational only - not investment advice. CIK: 0002013639 SIC: 6036 Savings Institutions, Not Federally Chartered SIC breadcrumb: [Finance, Insurance, And Real Estate](/division/H/) > [Depository Institutions](/major-group/60/) > [SIC 6036 Savings Institutions, Not Federally Chartered](/industry/6036/) Latest 10-K filed: 2026-03-26 SEC page: https://www.sec.gov/edgar/browse/?CIK=2013639 Filing source: https://www.sec.gov/Archives/edgar/data/2013639/000119312526126081/ck0002013639-20251231.htm ## At a glance FY2025 · period end 2025-12-31 · filed 2026-03-26 · accession 0001193125-26-126081 · source: https://data.sec.gov/api/xbrl/companyfacts/CIK0002013639.json | Metric | Value | FY | Provenance | | --- | ---: | ---: | --- | | Revenue | 65,806,000 USD | 2025 | verified | | Net income | 1,253,000 USD | 2025 | verified | | Assets | 1,255,406,000 USD | 2025 | verified | | Free cash flow | -3,900,000 USD | 2025 | computed | | Net margin | 1.90% | 2025 | computed | | Revenue YoY | +8.10% | 2025 | computed | | ROE | 0.40% | 2025 | computed | Computed values are grepcent-computed from the verified facts above and may differ from ratios the company itself reports. Free cash flow = operating cash flow − capital expenditures. Net margin = net income ÷ revenue. Revenue YoY = FY2025 revenue ÷ FY2024 revenue − 1 (consecutive fiscal years only). ROE = net income ÷ period-end stockholders' equity. No market price, no rating, no forecast on this site. Not investment advice. ### Peer percentile fingerprint | Ratio | FBLA | Peer median | Percentile | N | | --- | ---: | ---: | ---: | ---: | | Net margin | 1.9% | 17.7% | 7 | 16 | | Revenue growth | 8.1% | 8.5% | 47 | 16 | | FCF margin | -5.9% | 23.0% | 0 | 14 | | ROE | 0.4% | 7.3% | 7 | 16 | | ROA | 0.1% | 1.0% | 7 | 16 | | Liabilities / equity | 2.99 | 7.69 | 0 | 16 | Percentile = share of the N covered peers reporting that ratio whose value is lower (ties counted half); computed among grepcent-covered companies in SIC industry 6036 Savings Institutions, Not Federally Chartered, not the whole market. A higher percentile means a higher value of the ratio, not a better company. Ratios with fewer than 8 reporting peers are omitted. Latest reported values per company; fiscal periods may differ. Descriptive arithmetic - not a score, rating, or ranking. ## Selected Fundamentals | Metric | Value | Unit | FY | Filed | | --- | ---: | --- | ---: | --- | | Revenue | 65806000 | USD | 2025 | 2026-03-26 | | Net income | 1253000 | USD | 2025 | 2026-03-26 | | Assets | 1255406000 | USD | 2025 | 2026-03-26 | ## Financials Annual standardized facts from SEC companyfacts as of latest extracted filing date 2026-03-26. Source: https://data.sec.gov/api/xbrl/companyfacts/CIK0002013639.json. Derived margins, ratios, and free cash flow are computed from the extracted annual SEC facts. | Metric | 2022 | 2023 | 2024 | 2025 | | --- | ---: | ---: | ---: | ---: | | Revenue | | 54,298,000 | 60,877,000 | 65,806,000 | | Net income | | 1,118,000 | -6,214,000 | 1,253,000 | | Diluted EPS | | | -1.74 | 0.07 | | Operating cash flow | | -7,003,000 | 814,000 | 2,758,000 | | Capital expenditures | | 7,033,000 | 5,366,000 | 6,658,000 | | Share buybacks | | | | 22,155,000 | | Assets | | 1,124,932,000 | 1,220,933,000 | 1,255,406,000 | | Liabilities | | 968,195,000 | 894,678,000 | 940,956,000 | | Stockholders' equity | 152,019,000 | 156,737,000 | 326,255,000 | 314,450,000 | | Cash and cash equivalents | | 87,108,000 | 98,845,000 | 60,269,000 | | Free cash flow | | -14,036,000 | -4,552,000 | -3,900,000 | ### Ratios ROE and ROA use period-end equity/assets. Liabilities / equity uses total liabilities divided by stockholders' equity. Current ratio uses current assets divided by current liabilities when both are reported. | Metric | 2022 | 2023 | 2024 | 2025 | | --- | ---: | ---: | ---: | ---: | | Net margin | | 2.06% | -10.21% | 1.90% | | Return on equity | | 0.71% | -1.90% | 0.40% | | Return on assets | | 0.10% | -0.51% | 0.10% | | Liabilities / equity | | 6.18 | 2.74 | 2.99 | ## As-reported value updates 2 tracked differences above grepcent's stated thresholds were found between the earliest XBRL-filed value and the value currently on file for the same fiscal period. Ledger: /company/FBLA/revisions/ ## Quarterly Quarterly standardized facts from SEC companyfacts as of latest extracted filing date 2026-08-13. Source: https://data.sec.gov/api/xbrl/companyfacts/CIK0002013639.json. Flow metrics use discrete quarter-length periods from 10-Q/10-Q/A filings. Q4 revenue and net income are derived only when annual FY and nine-month YTD facts exist for the same fiscal year; derived Q4 values are labeled. EPS Q4 is not derived. | Quarter | End date | Revenue | Net income | Diluted EPS | Method | | --- | --- | ---: | ---: | ---: | --- | | 2024-Q2 | 2024-06-30 | 15,886,000 | 849,000 | | reported discrete quarter | | 2024-Q3 | 2024-06-30 | | 849,000 | | reported discrete quarter | | 2024-Q3 | 2024-09-30 | 16,909,000 | | | reported discrete quarter | | 2024-Q4 | 2024-12-31 | 17,848,000 | -5,361,000 | | derived Q4 = FY annual - nine-month YTD | | 2025-Q1 | 2025-03-31 | 16,918,000 | 705,000 | 0.04 | reported discrete quarter | | 2025-Q2 | 2025-03-31 | | 705,000 | | reported discrete quarter | | 2025-Q2 | 2025-06-30 | 17,539,000 | | 0.05 | reported discrete quarter | | 2025-Q3 | 2025-06-30 | | 879,000 | | reported discrete quarter | | 2025-Q3 | 2025-09-30 | 18,254,000 | | 0.06 | reported discrete quarter | | 2025-Q4 | 2025-12-31 | 13,095,000 | -1,411,000 | | derived Q4 = FY annual - nine-month YTD | | 2026-Q1 | 2026-03-31 | 16,403,000 | 119,000 | 0.01 | reported discrete quarter | | 2026-Q2 | 2026-03-31 | | 119,000 | | reported discrete quarter | | 2026-Q2 | 2026-06-30 | 16,699,000 | | 0.00 | reported discrete quarter | ## Filed narrative (10-K & 10-Q) ## Business Verbatim Item 1 Business section from FBLA's latest 10-K: [/company/FBLA/business/](/company/FBLA/business/). ## Risk Factors Verbatim Item 1A Risk Factors from FBLA's latest 10-K: [/company/FBLA/risk-factors/](/company/FBLA/risk-factors/). ## Latest quarter (10-Q) Latest 10-Q source: https://www.sec.gov/Archives/edgar/data/2013639/000119312526349101/ck0002013639-20260630.htm Extracted structurally from real Item 2 body heading to real Item 3/4 boundary. Confidence: high Filing date: 2026-08-13 Report date: 2026-06-30 Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations This discussion and analysis discusses information contained in our financial statements and other relevant statistical data, and is intended to enhance your understanding of our financial condition and results of operations for the three and six months ended June 30, 2026 and 2025. You should read the information in this section in conjunction with the business and financial information regarding FB Bancorp, Inc. provided in this document, including the financial statements, which appear elsewhere in this document. Operating results for the three and six months ended June 30, 2026 are not necessarily indicative of the results for the year ending December 31, 2026 or any future period. Forward-Looking Statements Certain statements contained in this Quarterly Report on Form 10-Q, including those under “Management’s Discussion and Analysis of Financial Condition and Results of Operations”, that are not historical facts may be considered forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, anticipations, assumptions, estimates, and intentions regarding future events, performance, financial condition, results of operations and business strategies, and involve known and unknown risks, uncertainties and other factors, which may be beyond the Company’s control, and which may cause the actual results, performance or achievements of the Company or its wholly-owned banking subsidiary, Fidelity Bank, to be materially different from those set forth in the forward-looking statements. These forward-looking statements, which are based on certain current assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of words or phrases such as “may,” “will,” “should,” “assume,” “support,” “indicate,” “contemplate,” “further,” “could,” “would,” “plan,” “potential,” “estimate,” “project,” “point to,” “believe,” “intend,” “outlook,” “anticipate,” “expect,” “strategy,” “forecasts,” “target” and similar words or expressions. Forward-looking statements are based on current beliefs and expectations of management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are difficult to predict or are beyond our control. Forward-looking statements are subject to numerous risks and uncertainties, including, but not limited to, those set forth in Item 1A of the Company’s Annual Report on Form 10-K, as supplemented by its Quarterly Reports on Form 10-Q, and may include, but are not limited to the following factors: • general economic and business conditions nationally and in our market areas, including conditions affecting employment levels, borrower creditworthiness, interest rates, inflation, tariffs or trade policy changes, slowdowns in economic growth and the threat of recession, property values and customer confidence and spending, as well as the financial stress on borrowers and changes to customer and client behavior and credit risk as a result of the foregoing; • changes in the interest rate environment and the impact on the level and composition of deposits, loan demand, liquidity, and the values of loan collateral and securities; • inflation and unemployment; • the effects of competition (including the inability to grow, or attrition of, deposits, customers and employees) from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, non-bank financial technology providers, securities brokerage firms, insurance companies, private credit funds, money market and other mutual funds and other financial institutions; • real estate values and liquidity in our primary market areas, the financial health of our borrowers, and weakness in the real estate market; 32 • fiscal and monetary policies of the U.S. Government, including the interest rate policies of the Federal Reserve; • changes in accounting policies and practices that may be adopted by the regulatory agencies and the accounting standards setters; • changes in government regulations affecting financial institutions, including regulatory fees, capital requirements, and changes in the scope and cost of FDIC insurance; • potential goodwill impairment; • inaccuracies or other failures from the use of models, including the failure of assumptions and estimates (including with respect to our financial statements), as well as differences in, and changes to, economic, market and credit conditions; • acquisitions and the integration of acquired businesses; • credit risk management, asset-liability management, and the sufficiency of our allowance for credit losses; • the financial and securities markets, including significant turbulence or disruption in the capital or financial markets; • changes in federal tax law or policy; • our ability to successfully execute a business strategy to achieve profitable growth; • the failure to identify, attract and retain key personnel and other employees and to engage in adequate succession planning; • the availability of and costs associated with sources of liquidity, including our ability to comply with applicable capital and liquidity requirements; • our ability to identify and address cybersecurity risks, fraud and systems errors, and disruptions, security breaches or other failures in our information technology systems; • the effects of war or other conflicts, civil unrest, acts of terrorism, natural disasters, health emergencies, or climate-related events; and • other factors and risks described under “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” herein and in any of the Company’s subsequent reports filed with the SEC and available on its website at www.sec.gov. The foregoing factors should not be construed as exhaustive. The Company cautions readers not to place undue reliance on any such forward-looking statements which represent our beliefs, assumptions and estimates only as of the date they are made. The Company advises readers that the factors listed above could affect the Company’s future results or financial performance and could cause the Company’s actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements. Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. Except as required by applicable law or regulation, we do not undertake, and we specifically disclaim any obligation, to update or revise any forward-looking statements to reflect new information, events or circumstances, changes in assumptions, to reflect the occurrence of anticipated or unanticipated events, or otherwise after the date of the statements. All written or oral forward-looking statements attributable to the Company are expressly qualified in their entirety by this cautionary notice. Additional factors that could cause actual results to differ materially can be found in Part I, Item 1A. “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2025, or in other periodic reports that we file with the SEC. Overview 33 FB Bancorp, Inc. conducts its operations primarily through Fidelity Bank. Fidelity Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, commercial real estate loans, commercial loans, home equity loans and lines of credit, consumer loans and construction loans. We also invest in securities, which have historically consisted primarily of mortgage-backed securities and obligations issued by U.S. government sponsored enterprises. We offer a variety of deposit accounts including negotiable orders of withdrawal, which we refer to as “NOW” accounts throughout this document, savings accounts, money market accounts and certificate of deposit accounts. Fidelity Bank is subject to comprehensive regulation and examination by the Louisiana Office of Financial Institutions and the FDIC. FB Bancorp, Inc. is subject to comprehensive regulation and examination by the Federal Reserve Board. Our results of operations depend primarily on our net interest income. Net interest income is the difference between the interest income we earn on our interest-earning assets and the interest we pay on our interest-bearing liabilities. Our results of operations also are affected by our provisions for credit losses, non-interest income and non-interest expense. Non-interest income currently consists primarily of service charges on deposit accounts, gain on the resale of mortgage loans and mortgage servicing rights and other service charges and fees. Non-interest expense currently consists primarily of expenses related to salaries and employee benefits, occupancy and equipment, data processing, advertising and marketing, amortization of mortgage servicing rights, and other expenses. Our results of operations also may be affected significantly by general and local economic and competitive conditions, changes in market interest rates, governmental policies and actions of regulatory authorities. Business Strategy Our principal objective is to build long-term value for our stockholders by operating a profitable community-oriented financial institution dedicated to meeting the banking needs of our customers by emphasizing personalized and efficient customer service. Highlights of our current business strategy include: [[GREPCENT_TABLE]] [["","\u2022","","Continuing to seek to grow and diversify our loan portfolio prudently by increasing originations of commercial real estate and commercial loans in an effort to increase the overall loan portfolio yield. We intend to continue to prudently increase our originations of commercial real estate and commercial loans in order to diversify our loan portfolio and increase yield. At June 30, 2026, commercial real estate loans amounted to $273.1 million, or 36.57% of total loans and other commercial loans amounted to $96.3 million, or 12.90%, of total loans."]] [[/GREPCENT_TABLE]] [[GREPCENT_TABLE]] [["","\u2022","","Maintaining our strong asset quality through conservative loan underwriting. We intend to maintain strong asset quality through what we believe are our conservative underwriting standards and credit monitoring processes. At June 30, 2026, our non-performing loans totaled $13.8 million, or 1.85% of total loans."]] [[/GREPCENT_TABLE]] [Excerpt truncated for page length; source filing is linked above.] ## Latest 10-K MD&A (excerpt) Latest 10-K Item 7 source: https://www.sec.gov/Archives/edgar/data/2013639/000119312526126081/ck0002013639-20251231.htm Complete FY 2025 MD&A: /company/FBLA/mda/fy2025/ Extracted structurally from real Item 7 body heading to real Item 7A/8 boundary. Confidence: high Filing date: 2026-03-26 Report date: 2025-12-31 Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations This discussion and analysis reflect certain information contained in our financial statements and other relevant statistical data, and is intended to enhance your understanding of our financial condition and results of operations. You should read the information in this section in conjunction with the business and financial information regarding FB Bancorp provided in this Annual Report on Form 10-K, including the financial statements, which appear beginning on page F-1 herein. Overview FB Bancorp conducts its operations primarily through Fidelity Bank. Fidelity Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, commercial real estate loans, commercial loans, home equity loans and lines of credit, consumer loans and construction loans. We also invest in securities, which have historically consisted primarily of mortgage-backed securities and obligations issued by U.S. government sponsored enterprises. We offer a variety of deposit accounts including negotiable orders of withdrawal, which we refer to as “NOW” , savings accounts, money market accounts and certificate of deposit accounts. Fidelity Bank is subject to comprehensive regulation and examination by the LOFI and the FDIC and FB Bancorp is subject to comprehensive regulation and examination by the Federal Reserve Board. Our results of operations depend primarily on our net interest income. Net interest income is the difference between the interest income we earn on our interest-earning assets and the interest we pay on our interest-bearing liabilities. Our results of operations also are affected by our provisions for credit losses, non-interest income and non-interest expenses. Non-interest income currently consists primarily of service charges on deposit accounts, gain on the resale of mortgage loans and mortgage servicing rights and other service charges and fees. Non-interest expenses currently consist primarily of expenses related to salaries and employee benefits, occupancy and equipment, data processing, advertising and marketing, amortization of mortgage servicing rights, and other expenses. Our results of operations also may be affected significantly by general and local economic and competitive conditions, changes in market interest rates, governmental policies and actions of regulatory authorities. Business Strategy Our principal objective is to build long-term value for our stockholders by operating a profitable community-oriented financial institution dedicated to meeting the banking needs of our customers by emphasizing personalized and efficient customer service. Highlights of our current business strategy include: Continuing to seek to grow and diversify our loan portfolio prudently by increasing originations of commercial real estate and commercial loans in an effort to increase the overall loan portfolio yield. We intend to continue to prudently increase our originations of commercial real estate and commercial loans in order to diversify our loan portfolio and increase yield. At December 31, 2025, commercial real estate loans amounted to $248.7 million, or 33.4% of total loans and commercial loans amounted to $92.2 million, or 12.4% of total loans. Continuing to seek ways to decrease the cost of product delivery and increase operating efficiency. The sale of NOLA Lending Group allowed the Company to exit a business segment that had lost approximately $2.7 million in 2025 and reduce total employees by approximately 108 individuals. This allows the Company to focus on its core banking segment. Increased efficiency is still a business strategy through asset growth, more efficient use of third party vendors, staffing level adjustments, and disciplined capital expenditures. Maintaining our strong asset quality through conservative loan underwriting. We intend to maintain strong asset quality through what we believe are our conservative underwriting standards and credit monitoring processes. At December 31, 2025, our non-performing loans totaled 2.27% of total loans. Continuing to attract and retain customers in our current market areas and growing our low-cost “core” deposit base while expanding our offices and banking activity in the Baton Rouge and Lafayette, Louisiana markets. We consider our core deposits to include NOW accounts, statement savings accounts, money market accounts, and other savings deposit accounts. We will continue our efforts to increase our core deposits to provide a stable source of funds to support loan growth at costs consistent with improving our interest rate spread and net interest margin. Core deposits totaled $482.9 million, or 57.4% of total deposits, at December 31, 2025. We have expanded our deposit and lending activities into the Baton Rouge and Lafayette, Louisiana markets over the last several years, including the hiring of Market Area Presidents and lending teams and we anticipate that these efforts will continue. 38 Continuing to implement and invest in both our online banking infrastructure and our fully digital bank (“Andi”) in order to meet current customer needs as well as expand our customer base in existing and new markets. We are expanding our online banking infrastructure for consumer and commercial customers to meet existing and prospective customer expectations with digital deposit products, lending products and financial wellness products. We have also established a fully digital, online-only bank, called Andi, as a division of Fidelity Bank. Remaining a community-oriented institution relying on high quality service to maintain and build a loyal local customer base. We have been operating continuously in southern Louisiana since 1908. Through the goodwill we have developed over years of providing timely, efficient banking services, we believe that we have been able to attract a loyal base of local retail customers on which we hope to continue to build our banking business. Continuing to grow through organic growth while also considering opportunistic acquisitions or branching. We intend to grow our assets organically on a managed basis, and the capital we raised in the stock offering will enable us to increase our lending and investment capacity. In addition to organic growth, we may also consider expansion opportunities in our market areas or in contiguous markets that we believe would enhance both our franchise value and stockholder returns. These opportunities may include acquiring other financial institutions and/or establishing loan production offices, establishing new or de novo branch offices, and/or acquiring branch offices. The capital we raised in the stock offering would help us fund any such opportunities that may arise. We have no current plans or intentions regarding any such expansion activities. These strategies guided our investment of the net proceeds of the stock offering. We intend to continue to pursue these business strategies, subject to changes necessitated by future market conditions, regulatory restrictions and other factors. Critical Accounting Policies and Use of Critical Accounting Estimates The discussion and analysis of the financial condition and results of operations are based on our financial statements, which are prepared in conformity with GAAP. The preparation of these financial statements requires management to make estimates and assumptions affecting the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities, and the reported amounts of income and expenses. We consider the accounting policies discussed below to be critical accounting policies. The estimates and assumptions that we use are based on historical experience and various other factors and are believed to be reasonable under the circumstances. Actual results may differ from these estimates under different assumptions or conditions, resulting in a change that could have a material impact on the carrying value of our assets and liabilities and our results of operations. Facts and circumstances that could affect these judgments include, but are not limited to, changes in interest rates, changes in the performance of the economy and changes in the financial condition of borrowers. The JOBS Act contains provisions that, among other things, reduce certain reporting requirements for qualifying public companies. As an “emerging growth company,” we may delay adoption of new or revised accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies. We intend to take advantage of the benefits of this extended transition period. Accordingly, our financial statements may not be comparable to companies that comply with such new or revised accounting standards. The following represent our critical accounting policies: Allowance for Credit Losses. The allowance for credit losses is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectibility of a loan balance is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance for credit losses balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, such as changes in unemployment rates, property values, or other relevant factors. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. When management determines that foreclosure is probable or the borrower is experiencing financial difficulty where repayment is expected to be provided substantially through the operation or sale of collateral, expected credit losses are based on the fair value of the collateral adjusted for selling costs as appropriate. 39 The evaluation of the adequacy of loan collateral is often based upon estimates and appraisals. Because of changing economic conditions, the valuations determined from such estimates and appraisals may also change. Accordingly, the Bank may ultimately incur losses which vary from management’s current estimates. Adjustments to the allowance for credit losses are reported in the period such adjustments become known or are reasonably estimable. Deferred Tax Assets. Income taxes are accounted for under the asset and liability method. Under the asset and liability method, deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to the differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of mor [Excerpt truncated for page length; the complete text is on the linked full-MD&A page.] Read the full FY 2025 MD&A: /company/FBLA/mda/fy2025/ All MD&A years: /company/FBLA/mda/ ## MD&A history Prior-year 10-K MD&A spans are extracted from SEC filings with the same bounded parser used for the latest filing. Each year's full verbatim text is on its own sub-page. - [FY 2024 MD&A](/company/FBLA/mda/fy2024/): filed 2025-03-27; accession 0000950170-25-046089 (https://www.sec.gov/Archives/edgar/data/2013639/000095017025046089/ck0002013639-20241231.htm) ## Macro cross-references Indicators mapped to this company's SIC classification (industry 6036 Savings Institutions, Not Federally Chartered) by grepcent's deterministic macro-sector crosswalk. A navigational mapping, not a statistical or causal claim. - [FEDFUNDS](/indicator/FEDFUNDS/): Federal Funds Effective Rate - [DFEDTARU](/indicator/DFEDTARU/): Federal Funds Target Range - Upper Limit - [DGS2](/indicator/DGS2/): Market Yield on U.S. Treasury Securities at 2-Year Constant Maturity - [DGS10](/indicator/DGS10/): Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity - [T10Y2Y](/indicator/T10Y2Y/): 10-Year Treasury Constant Maturity Minus 2-Year Treasury Constant Maturity Macro-to-micro threads including this sector: [Interest rates & the Fed](/thread/interest-rates-fed/), [Money & trade](/thread/money-trade/), [Consumer & credit](/thread/consumer-credit/), [Government finances](/thread/government-finances/), [Sector employment](/thread/sector-employment/). All macro indicators: /indicators/ ## For LLMs & downloads Markdown twin: /company/FBLA.md · JSON record: /company/FBLA.json · verified financials: /company/FBLA/financials.json / /company/FBLA/financials.csv · machine TOC for the whole site: /llms.txt