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AI brief of an SEC Form 8-K · FB Financial (FBK)

FB Financial Q2 GAAP EPS falls to $0.06 on $60.5 million securities loss

Mixed Impact 4 of 5 earnings Written later

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.

Key points

  • 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.

The filing

CompanyFB Financial (FBK)
Form8-K, current report
Filed with the SECJul 14, 2025, 4:18 PM ET
Accession number0001649749-25-000178

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:49 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 14, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.