Every material Form 8-K FB Financial has filed with the SEC since July 15, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
FB Financial Corporation reported third-quarter 2026 net income of $60.2 million, or $1.20 per diluted share, up from $1.13 in the second quarter and $0.43 a year earlier. Total revenue was $174.5 million, roughly flat from the prior quarter, while noninterest expense rose to $96.0 million and the net interest margin fell to 3.83%.
Q3 2026 diluted EPS was $1.20 versus $1.13 in Q2 2026 and $0.43 in Q3 2025; adjusted diluted EPS was $1.21.
Total revenue was $174.5 million, compared with $174.8 million in Q2 2026 and $173.9 million in Q3 2025.
Noninterest expense rose to $96.0 million from $91.5 million in Q2 2026; the net interest margin fell to 3.83% from 3.95%.
Loans held for investment reached $13.18 billion and total deposits $14.67 billion at September 30, 2026; the company repurchased $29.3 million of common stock during the quarter.
FB Financial Corporation completed the sale of $125,000,000 of 6.625% fixed-to-floating rate subordinated notes due 2036 on September 24, 2026. The company said it intends to use the net proceeds for general corporate purposes, including providing capital to its banking subsidiary FirstBank to support growth.
Principal amount: $125,000,000 of subordinated notes due October 1, 2036
Fixed rate of 6.625% until October 1, 2031, then floating at Three-Month Term SOFR plus 205 basis points
Company may redeem the notes starting October 1, 2031, subject to Federal Reserve approval where required
Underwriter: Keefe, Bruyette & Woods, Inc.; trustee: U.S. Bank Trust Company, National Association
FB Financial Corporation reported second quarter 2026 net income of $58.6 million, or $1.13 per diluted share, compared with $1.10 in the prior quarter and $0.06 a year earlier, when results included a $60.5 million securities loss. Total revenue rose to $174.8 million and loans held for investment grew to $12.87 billion, while nonperforming loans rose to 1.17% of total loans. The company also repurchased 1,546,707 shares, or 3.01% of shares outstanding, during the quarter.
Net income of $58.6 million, or $1.13 per diluted share, versus $1.10 in Q1 2026 and $0.06 in Q2 2025
Adjusted diluted EPS of $1.14; adjusted pre-tax pre-provision net revenue of $83.6 million
Loans held for investment of $12.87 billion, an 11.6% annualized increase from the prior quarter
Nonperforming loans rose to 1.17% of total loans from 0.96% in the prior quarter, concentrated in three lending relationships
FB Financial reported first-quarter 2026 net income of $57.5 million, or $1.10 per diluted share, up from $1.07 in the prior quarter and $0.84 a year earlier. Total revenue fell from $178.6 million in the fourth quarter to $172.3 million, and adjusted diluted EPS declined from $1.16 to $1.12, so shareholders see higher reported earnings alongside lower sequential revenue and adjusted profit.
Net income $57.5 million, or $1.10 per diluted share, versus $1.07 in Q4 2025 and $0.84 in Q1 2025
Adjusted diluted EPS $1.12, versus $1.16 in Q4 2025 and $0.85 in Q1 2025
Total revenue $172.3 million, versus $178.6 million in Q4 2025 and $130.7 million in Q1 2025
Net interest margin 3.94%, versus 3.98% in Q4 2025 and 3.55% in Q1 2025; repurchased 426,983 shares during the quarter
FB Financial Corporation said Chief Accounting Officer Jonathan Pennington is resigning to join another institution, effective on or about February 26, 2026, and that Lynn Joyce will succeed him effective on or about March 1, 2026. The filing says Pennington's departure was not due to any disagreement with the company on accounting, operations, policies or internal controls, and that Joyce's total annual compensation will rise about 29% with the appointment.
Jonathan Pennington resigns as Chief Accounting Officer of FB Financial and FirstBank, effective on or about February 26, 2026; he notified the company on January 28, 2026.
Lynn Joyce, age 62, will become Chief Accounting Officer of both entities effective on or about March 1, 2026, as announced February 2, 2026.
Joyce previously served as CFO of Southern States Bancshares from 2013 until FB Financial acquired it in July 2025, then held a senior finance role at FirstBank.
Joyce's total annual compensation, including bonus opportunities, will increase by approximately 29%.
FB Financial Corporation (NYSE: FBK) reported fourth-quarter 2025 net income of $57.0 million, or $1.07 per diluted share, up from $0.81 a year earlier and $0.43 in the prior quarter. For the full year, diluted earnings per share were $2.45, slightly below $2.48 in 2024, and the filing does not include new guidance for 2026.
Q4 2025 net income of $57.0 million, or $1.07 per diluted share, versus $0.81 in Q4 2024 and $0.43 in Q3 2025
Adjusted diluted EPS of $1.16 for Q4 2025, versus $0.85 a year earlier; adjusted results exclude items such as $4.6 million in merger and integration costs
Full-year 2025 net income of $122.6 million, or $2.45 per diluted share, compared with $116.0 million, or $2.48, in 2024
Net interest margin rose to 3.98% from 3.50% a year earlier, while the efficiency ratio rose to 60.2% from 56.1%; the company repurchased 1,717,948 shares in the quarter
FB Financial reported third-quarter 2025 net income of $23.4 million, or $0.43 per diluted share, up from $0.06 in the prior quarter and $0.22 a year earlier. Adjusted diluted EPS was $1.07, compared with $0.88 in the second quarter and $0.86 a year earlier, and the company said loans and deposits rose mainly because of its merger with Southern States Bancshares, which closed July 1, 2025.
Total revenue was $173.9 million, compared with $76.9 million in the second quarter and $89.5 million a year earlier.
Net interest margin rose to 3.95% from 3.68% in the second quarter and 3.55% a year earlier.
Merger and integration costs were $16.1 million in the quarter, and noninterest expense was $109.9 million.
Deposits totaled $13.81 billion and loans held for investment totaled $12.30 billion at September 30, 2025.
FB Financial Corp's parent of FirstBank approved a realignment of management roles effective October 1, 2025. Chief Financial Officer Michael Mettee will also become chief operating officer, and Travis Edmondson will move from chief banking officer to chief credit officer, with amended employment agreements that include a 12.7% increase in Mettee's total direct compensation.
Michael M. Mettee, 45, adds the chief operating officer title to his CFO role and will oversee several FirstBank business and support areas across 93 branches in five states.
Travis K. Edmondson becomes chief credit officer and leaves his chief banking officer role.
Mettee's total direct compensation rises 12.7% under an amended and restated employment agreement; Edmondson is eligible for a retention bonus of about one times base salary, payable by January 31, 2026.
FB Financial reported second quarter 2025 net income of $2.9 million, or $0.06 per diluted share, down from $0.84 in the prior quarter, after a $60.5 million loss on the sale of $266.5 million in securities. Adjusted diluted EPS, which excludes the loss, rose to $0.88 from $0.85 in the prior quarter and $0.84 a year earlier, and the company closed its merger with Southern States on July 1, 2025.
GAAP diluted EPS was $0.06 versus $0.84 in Q1 2025 and $0.85 in Q2 2024; net income was $2.9 million versus $39.4 million in Q1 2025.
Adjusted diluted EPS was $0.88 versus $0.85 in Q1 2025 and $0.84 in Q2 2024; adjusted pre-tax, pre-provision net revenue was $58.6 million.
Net interest margin rose to 3.68% from 3.55% in the prior quarter, and total deposits reached $11.40 billion at June 30, 2025.
The merger with Southern States closed July 1, 2025, which the company said added approximately $2.87 billion in total assets at closing.
FB Financial completed its merger with Southern States Bancshares on July 1, 2025, and each Southern States share was converted into 0.800 FB Financial shares. Based on FB Financial's $45.30 closing price on June 30, 2025, the company put the implied transaction value at approximately $368.4 million. The deal also added $92.7 million of assumed subordinated notes and a new board member, J. Henry Smith, bringing the board to 13 directors.
Merger completed July 1, 2025; Southern States shareholders received 0.800 FB Financial shares per share.
Implied transaction value of approximately $368.4 million, based on FB Financial's $45.30 close on June 30, 2025.
FB Financial assumed $92.7 million of subordinated notes due 2031 and 2032.
J. Henry Smith appointed to the board effective at the merger's effective time; board increased to 13 directors.
FB Financial Corporation reported first-quarter 2025 net income of $39.4 million, or $0.84 per diluted share, up from $0.59 a year earlier and $0.81 in the prior quarter. Adjusted diluted EPS was $0.85, unchanged from both comparison periods, while total revenue rose to $130.7 million from $107.5 million a year earlier. Noninterest expense also rose, and the company disclosed a pending merger with Southern States Bancshares, Inc.
Diluted EPS of $0.84 versus $0.59 in Q1 2024 and $0.81 in Q4 2024; adjusted diluted EPS of $0.85, flat year over year and quarter over quarter
Total revenue of $130.7 million versus $107.5 million in Q1 2024
Noninterest expense of $79.5 million versus $72.4 million a year earlier; efficiency ratio of 60.9%
Company repurchased 208,680 shares in the quarter; conference call scheduled for April 15, 2025 at 8:00 a.m. Central Time
FB Financial Corporation and Southern States Bancshares signed a merger agreement on March 31, 2025, under which Southern States will merge into FB Financial. Southern States shareholders will receive 0.80 FB Financial shares for each share they hold, with the joint press release putting the implied value at about $381 million based on FB Financial's $47.05 closing price on March 28, 2025. The deal requires regulatory approvals and shareholder votes at both companies, and is expected to close late in the third quarter or early in the fourth quarter of 2025.
Southern States shareholders receive 0.80 FB Financial shares per share, an implied $37.64 per share or $381 million in aggregate based on the March 28, 2025 closing price of $47.05
Southern States reported total assets of $2.8 billion, loans of $2.2 billion and deposits of $2.4 billion as of December 31, 2024
Termination fee of $15 million payable by Southern States in certain circumstances, and the same amount payable by FB Financial in certain circumstances
Expected to close late in the third quarter or early in the fourth quarter of 2025, subject to regulatory and shareholder approvals
FB Financial reported fourth-quarter 2024 net income of $37.9 million, or $0.81 per diluted share, up from $0.63 a year earlier and $0.22 in the prior quarter. Total revenue was $130.4 million, compared with $116.4 million a year earlier, and noninterest expense fell to $73.2 million from $80.2 million. The filing contains no guidance for 2025.
Q4 2024 net income $37.9 million, or $0.81 per diluted share, versus $0.63 in Q4 2023 and $0.22 in Q3 2024
Adjusted diluted EPS $0.85, versus $0.77 in Q4 2023 and $0.86 in Q3 2024
Total revenue $130.4 million versus $116.4 million in Q4 2023; net interest margin 3.50%, down from 3.55% in Q3 2024
Net charge-offs of $11.3 million (0.47% annualized), driven by one previously reserved commercial and industrial relationship
FB Financial reported third-quarter 2024 net income of $10.2 million, or $0.22 per diluted share, down from $0.85 in the prior quarter and $0.41 a year earlier. The drop reflected a $40.2 million loss on securities from a portfolio restructuring; adjusted diluted EPS rose to $0.86, excluding that loss and other items, and the filing gives no updated guidance.
Q3 2024 total revenue was $89.5 million, versus $128.2 million in Q2 2024 and $109.0 million in Q3 2023.
Adjusted diluted EPS was $0.86, compared with $0.84 in Q2 2024 and $0.71 in Q3 2023.
Loans held for investment reached $9.48 billion and total deposits $10.98 billion at September 30, 2024.
Net interest margin was 3.55%, compared with 3.57% in the prior quarter.
FB Financial Corporation reported second-quarter 2024 net income of $40.0 million, or $0.85 per diluted share, up from $0.75 a year earlier, with total revenue of $128.2 million and a net interest margin of 3.57%. Adjusted diluted EPS of $0.84 was slightly below the prior quarter's $0.85, while total deposits and some credit-quality measures moved in the less favorable direction. The company will hold a conference call on July 16, 2024.
Net income of $40.0 million, or $0.85 per diluted share, compared with $0.59 in the first quarter of 2024 and $0.75 in the second quarter of 2023.
Adjusted diluted EPS of $0.84, compared with $0.85 in the first quarter of 2024 and $0.77 a year earlier.
Net interest margin rose to 3.57% from 3.42% in the first quarter of 2024 and 3.40% a year earlier.
Total deposits fell to $10.47 billion from $10.87 billion at June 30, 2023; nonperforming loans rose to 0.79% of loans HFI from 0.47%.
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