FB Bancorp Reports Second-Quarter 2026 Financial Results

Quarterly Earnings Announcement and Disclosure Timing

FB Bancorp, Inc., headquartered at 353 Carondelet Street in New Orleans, Louisiana, released its second-quarter 2026 financial results on July 28, 2026. The disclosure came through an official press release that was simultaneously filed with the Securities and Exchange Commission as part of the company's ongoing reporting obligations. The announcement provides shareholders and market participants with the company's operational and financial performance metrics for the three-month period ending June 30, 2026.

The timing of the announcement aligns with standard quarterly disclosure practices for publicly traded financial institutions. By releasing earnings results within weeks of quarter-end, FB Bancorp maintained transparency with investors regarding its interim financial position and operational developments during the first half of 2026.

Company Profile and Market Position

FB Bancorp, Inc. operates as a financial services company incorporated under Maryland law with a primary business address in New Orleans, Louisiana. The company holds an Internal Revenue Service Employer Identification Number of 99-1859402 and maintains its principal executive offices at the Carondelet Street location in the Louisiana business district. The organization is designated as an emerging growth company as defined under applicable Securities and Exchange Commission regulations.

The company's common stock trades on the NASDAQ Stock Market LLC under the symbol FBLA. This listing provides retail and institutional investors with direct market access to FB Bancorp equity securities during normal trading hours. The NASDAQ registration represents the company's commitment to maintaining public capital markets access and meeting the disclosure and governance standards required of exchange-listed corporations.

Emerging Growth Company Status and Regulatory Framework

FB Bancorp disclosed that it qualifies as an emerging growth company under the definitions established in Rule 405 of the Securities Act of 1933 and Rule 12b-2 of the Securities Exchange Act of 1934. This classification provides the company with certain scaled disclosure accommodations and reduced compliance requirements compared to larger, more established public corporations. The emerging growth company designation is relevant to investors evaluating the company's regulatory environment and disclosure obligations.

The company has not elected to utilize the extended transition period for complying with new or revised financial accounting standards as permitted under Section 13(a) of the Securities Exchange Act of 1934. This election means FB Bancorp will adopt applicable accounting standard changes on the same timeline as non-emerging growth companies, rather than delaying implementation. This approach demonstrates the company's commitment to rapid alignment with evolving accounting requirements.

Form 8-K Filing and Disclosure Requirements

FB Bancorp filed a Form 8-K current report with the SEC on July 28, 2026, disclosing the results of operations and financial condition for the second quarter of 2026. The current report filing mechanism is used by public companies to announce material events or significant developments that require immediate disclosure to the investing public. Item 2.02 of the filing specifically addresses results of operations and financial condition, which constitutes the substantive content of FB Bancorp's announcement.

The company expressly noted in its filing that the information contained in Item 2.02 and the attached press release shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be incorporated by reference in any future filing under the Securities Act of 1933 except as expressly set forth by specific reference. This language protects the company from unintended incorporation of the press release into other regulatory filings while still ensuring broad disclosure of the financial results to market participants.

Press Release Attachment and Public Disclosure

The official press release announcing FB Bancorp's second-quarter 2026 financial results was filed as Exhibit 99.1 to the Form 8-K filing. This exhibit attachment mechanism allows companies to provide detailed narrative commentary, financial tables, and management perspectives on quarterly performance while maintaining compliance with regulatory filing requirements. The press release serves as the primary vehicle for communicating earnings results to investors, analysts, and the financial media.

The availability of the press release as an exhibit ensures that investors and stakeholders can review the company's official statement regarding second-quarter performance without requiring separate searches across multiple disclosure channels. The consolidated filing approach streamlines the information gathering process for market participants and provides a permanent record of the company's announcement in the SEC's electronic data gathering system.

Executive Certification and Filing Authority

The Form 8-K filing was signed on July 28, 2026, by Todd Wanner, who holds the position of Chief Financial Officer and Treasurer at FB Bancorp, Inc. The CFO's signature on the filing certifies that the company has duly filed the report in accordance with the requirements of the Securities Exchange Act of 1934. This executive certification provides regulatory assurance that the disclosure has been properly authorized and accurately represents the company's official position.

The role of Chief Financial Officer carries significant responsibility in ensuring the accuracy and completeness of financial disclosures. By authorizing and signing the Form 8-K, Wanner affirmed that FB Bancorp's earnings announcement was prepared in compliance with applicable securities laws and that the financial results reported are accurate to the best of his knowledge and belief.

Contact Information and Operational Details

FB Bancorp's principal executive offices are located at 353 Carondelet Street, New Orleans, Louisiana 70130. The company's main telephone line for inquiries is (504) 569-8640. The New Orleans headquarters location reflects the company's regional presence and business operations in Louisiana. The Carondelet Street address in downtown New Orleans serves as the central command center for company management and corporate operations.

The company's Maryland incorporation status indicates that it elected to organize under the general corporation laws of the state of Maryland rather than another jurisdiction. This corporate domicile choice affects certain aspects of corporate governance, shareholder rights, and management structure. The SEC Commission File Number 001-42380 is the unique identifier assigned to FB Bancorp for purposes of tracking all regulatory filings and communications with federal securities authorities.

XBRL Formatting and Data Accessibility

FB Bancorp filed Exhibit 104.1 as part of its Form 8-K submission, which contains the cover page for the current report formatted in Inline XBRL (Extensible Business Reporting Language) format. XBRL formatting enhances the machine-readability and searchability of regulatory filings, allowing investors and financial data aggregators to extract and analyze financial information more efficiently. This standardized data format supports broader accessibility to the company's disclosure information across digital platforms and financial databases.

The use of Inline XBRL reflects modern SEC disclosure standards that prioritize data transparency and technological accessibility. By submitting filings in this format, FB Bancorp enables automated processing and analysis of its financial announcements, supporting institutional investors and financial analysts in conducting rapid comparative analysis and performance tracking.

Investor Implications and Disclosure Review Guidance

Investors seeking comprehensive information about FB Bancorp's second-quarter 2026 performance should review the complete press release attached to the Form 8-K filing, which contains the detailed financial metrics and management commentary on operational results. The SEC's EDGAR system provides free public access to all filed documents, allowing shareholders and prospective investors to download and review the company's official announcements. The specific financial figures and performance analysis referenced in FB Bancorp's earnings announcement are contained within the press release exhibit rather than in the bare Form 8-K framework.

The immediate share price impact was not clear from available public information at the time of filing. Investors evaluating FB Bancorp's financial performance and prospects should conduct a thorough review of the company's disclosed results in the context of its historical performance, industry trends, and broader economic conditions affecting the financial services sector.