FDIC Cert #58090 · Fresno, California · Est. 2005

FFB Bank - FDIC Bank Health Profile

A community-scale look at FFB Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.6B
Total assets
A
Health grade · Excellent
1.65%
Return on assets
19.3%
Tier 1 capital

Data updated July 2026

The verdict

FFB Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 19.29% Tier 1, profitable at 1.65% ROA, efficient (58% cost ratio).

#711
largest of 4,313 FDIC banks by assets
84th
percentile by asset size, nationally
19.29%
Tier 1 ratio - above the 10% well-capitalized line
81st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58090 · CA A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #445/4307
  • PHOTO-FINISH American Momentum Bank · TX
  • TIER1-WELL 19.3% Tier 1
  • TEXAS-CLEAN 11.7% Texas
  • ROA-STRONG 1.65% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: American Momentum Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around FFB Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Momentum Bank · TX …93/100AMG National Trust B… · CO ·…93/100FFB Bank · CA · this bank93/100First Century Bank,… · GA · …93/100Servbank, National A… · IL ·…93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FFB Bank · July 2026

Call Report read for FFB Bank in a high-failure state

FFB Bank (FDIC Cert #58090) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #445 of 4,307. Tier 1 capital prints at 19.29%, clearing the 10% well-capitalized line. The Texas Ratio is 11.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.65%. Balance-sheet scale is $1.6B, 711th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Momentum Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around FFB Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

FFB Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about FFB Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How FFB Bank's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
FFB Bank's composite health score
Tier 1 Capital Ratio (19.29%) 40/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (11.69%) 16/20
Efficiency Ratio (58.13%) 12/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$1.2B

Outstanding loan book

Net Income

$25M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.89% 19.29% 20.69%
Basel III capital ratios - FFB Bank

Where FFB Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FFB Bank's score of 93/100 falls in the highlighted band.

FFB Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 10% higher than 90% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. FFB Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

FFB Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). FFB Bank's $1.6B falls in the highlighted band.

Capital & credit buffers at FFB Bank

Tier 1 capital ratio
Well-capitalized 10%

19.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.29%
Texas Ratio
11.69%
Equity Capital
$221M

What these ratios mean →

Earnings posture at FFB Bank

Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
11.94%
Efficiency Ratio
58.13%

What these mean →

Income & expense at FFB Bank

$89M
Interest Income
$30M
Non-Interest Income
$61M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. FFB Bank reports a Texas Ratio of 11.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View FFB Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside California so the neighborhood is not state containment.

Peoples Bank and Trust Company $1.6B · KS Bluestone Bank $1.6B · MA International Finance Bank $1.6B · FL Grasshopper Bank $1.6B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FFB Bank (FDIC Cert #58090) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

FFB Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%