Banking | 02.26.25

Understanding the 5 Cs of Credit

If you’re applying for a loan, here’s the truth: it’s not just about your credit score! Lenders actually follow a tried-and-true formula to determine who qualifies and on what terms—the 5 Cs of Credit: Character, Capacity, Capital, Collateral, and Conditions. While every lender weighs them differently, these five factors are the foundation of nearly all […]

Banking | 02.19.25

Remembering Al Smith (1939-2025)

We are heartbroken to share the passing of Al Smith, a beloved member of FFB Bank’s Board of Directors, who passed away on Saturday at the age of 86. Mr. Smith’s contributions to the Bank and to the community as a whole were immeasurable, and he leaves behind a lasting legacy of service and dedication […]

Banking | 02.14.25

The Couples Guide to Saving and Managing Money

There’s no greater feeling than knowing you’ve found the person you want to build a future with. The only lingering question? How in the world are you going to finance that future together? Whether it’s saving for a dream vacation, buying a house, or planning for those “someday” moments, managing money as a couple doesn’t […]

Banking | 01.21.25

Is Your Checkbook Safe? How to Protect Your Checks from Fraud

Let’s talk checks for a second. Sure, they might seem “old school” these days, but that doesn’t mean they’re off-limits to scammers. In fact, check fraud has nearly doubled since 2021 even as check usage continues to decline. Not actually what you want to hear, right? Don’t worry though! As long as you understand how […]

Banking | 01.15.25

How to Stick to Your New Year’s Resolutions (and Make Them Last)

Ah, the New Year—a time for fresh starts, clean slates, and the annual tradition of making resolutions we swear we’ll stick to this time. Whether you’re aiming to crush it at work, take the trip of a lifetime, or finally start hitting the gym (we’ve all been there), setting goals can feel both exciting and […]