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

FB Financial Q3 diluted EPS $0.43, up from $0.06 in Q2 as Southern States merger closed

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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.

The filing

CompanyFB Financial (FBK)
Form8-K, current report
Filed with the SECOct 14, 2025, 6:18 AM ET
Accession number0001649749-25-000208

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 October 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.