FB Bancorp, Inc. FBLA

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
40/100
Developing

Ranked against 399 peers in Banks - Regional

About FB Bancorp, Inc.

FB Bancorp, Inc. operates as the bank holding company for Fidelity Bank that provides various banking products and services primarily for individuals, businesses, and communities. It operates in two segments: Traditional Banking and Mortgage Banking. The company offers various deposit products, including NOW accounts, savings accounts, money market accounts, and certificate of deposit accounts. It also provides residential mortgage loans; … Full FBLA analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.63), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.09).
  • Operational Inefficiency Operational efficiency lags peers (score 0.09).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
33
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where FBLA ranks in Banks - Regional

FB Bancorp, Inc. ranks #269 of 393 scored companies in Banks - Regional by moat score — the top 68%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
265 Citizens Financial Group, Inc. CFG 40/100 Developing
266 Horizon Bancorp, Inc. HBNC 40/100 Developing
267 MVB Financial Corp. MVBF 40/100 Developing
268 Ponce Financial Group, Inc. PDLB 40/100 Developing
269 FB Bancorp, Inc. FBLA 40/100 Developing
270 Origin Bancorp, Inc. OBK 40/100 Developing
271 Heartland Financial USA, Inc. HTLF 40/100 Developing
272 OptimumBank Holdings, Inc. OPHC 39/100 Developing
273 WesBanco, Inc. WSBC 39/100 Developing

See every Banks & Lenders company ranked by moat score →

How FBLA scores on the Bank Specialized defenses

Deposit Franchise

Score 33 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 44 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 41 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 28 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 54 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 44 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding FBLA's moat

What is FB Bancorp, Inc.'s moat score?

FB Bancorp, Inc. (FBLA) scores 40 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #269 of 393 scored companies in Banks - Regional, the top 68%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (54/100) and its weakest is Cost Discipline (28/100).

How does FB Bancorp, Inc. compare with other Banks - Regional companies?

FB Bancorp, Inc. ranks #269 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Ponce Financial Group, Inc. (PDLB) at 40 just above it and Origin Bancorp, Inc. (OBK) at 40 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is FB Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for FB Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and FBLA scores: Deposit Franchise (33), Lending Advantage (44), Capital Strength (41), Cost Discipline (28), Revenue Diversification (54), Risk Management (44). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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