FRBT

• Net income for Q2 2026 was $4.1 million, or $0.10 basic and $0.09 diluted EPS, down from $11.6 million in Q1 2026.
• Net interest income increased to $63.1 million in Q2 2026 from $59.6 million in Q1 2026; net interest margin rose to 3.19%.
• Results include one-time costs: $5.6 million write-down of deferred tax assets and IPO expenses of $0.9 million for the quarter.
• The company will host a conference call on July 30, 2026 at 8:00 a.m. ET to discuss results.

2.02 Results of Operations and Financial Condition · 7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits

• Gross proceeds from the IPO were approximately $142.2 million before underwriting discounts and commissions and estimated offering expenses.
• On June 11, 2026, the company amended and restated its certificate of incorporation and adopted amended and restated bylaws, effective prior to the IPO closing.
• The amended charter documents were previously approved by the board and stockholders and are described in the final prospectus dated June 10, 2026.
• The company is an emerging growth company and its Class A common stock trades on Nasdaq under the symbol 'FRBT'.

5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year · 8.01 Other Events · 9.01 Financial Statements and Exhibits