MFB Bancorp, Inc.

S-1/A amended

MFB Bancorp, Inc. has amended its IPO filing (S-1/A) to include details about its conversion plan with the Federal Reserve Bank of Chicago, registration under Section 12 of the Exchange Act, and a three-year commitment to maintain stock registration. The filing highlights financial stability with total assets of $96.6 million as of June 30, 2026, and stockholders' equity of $16.3 million. Key updates include adjustments to loan portfolios, deposit growth, and FHLB advances. The company emphasizes its focus on credit loss provisions and compliance with regulatory requirements.

S-1 filed

MFB Bancorp, Inc. filed an S-1 registration statement for its IPO, detailing financial condition and risk factors. The filing highlights the company's allowance for credit losses methodology, which relies on historical data, economic forecasts, and qualitative assessments. Key financial metrics show slight asset declines, with loans net of allowance decreasing by $2.6M between December 2025 and June 2026, partially offset by increased cash reserves. The company operates as an emerging growth entity, deferring adoption of new accounting standards. Risk factors include reliance on management's subjective estimates, economic volatility, and regulatory scrutiny of loan loss provisions.