FB Financial Corp
For the period ended Jun 30, 2025. Filed Aug 4, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2025 · Filed Aug 4, 2025
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Glossary Of Abbreviations And Acronyms
As used in this Quarterly Report on Form 10-Q for the quarter ended June 30, 2025 (this “Report”), references to “we,” “our,” “us,” “FB Financial,” or “the Company” refer to FB Financial Corporation, a Tennessee corporation, and our wholly-owned banking subsidiary, FirstBank, a Tennessee state-chartered bank, unless otherwise indicated or the context otherwise requires. References to “Bank” or “FirstBank” refer to FirstBank, our wholly-owned banking subsidiary.
The acronyms and abbreviations identified below are used in the Notes to the consolidated financial statements as well as in the Management’s discussion and analysis of financial condition and results of operations. You may find it helpful to refer to this page as you read this Report.
| ACL | Allowance for credit losses | FFIEC | Federal Financial Institutions Examination Council |
|---|---|---|---|
| AFS | Available-for-sale | FHLB | Federal Home Loan Bank |
| ALCO | Asset Liability Management Committee | GAAP | U.S. generally accepted accounting principles |
| ASC | Accounting Standard Codification | GNMA | Government National Mortgage Association |
| ASU | Accounting Standard Update | HFI | Held for investment |
| Bank | FirstBank, subsidiary bank | NIM | Net interest margin |
| BOLI | Bank-owned life insurance | OREO | Other real estate owned |
| CD | Certificate of Deposit | PSU | Performance-based restricted stock units |
| CECL | Current expected credit losses | Report | Form 10-Q for the quarterly period ended June 30, 2025 |
| Company | FB Financial Corporation | ROAA | Return on average assets |
| CPR | Conditional prepayment rate | ROAE | Return on average common equity |
| CRE | Commercial real estate | ROATCE | Return on average tangible common equity |
| ESPP | Employee Stock Purchase Plan | RSU | Restricted stock units |
| EVE | Economic value of equity | SEC | U.S. Securities and Exchange Commission |
| FASB | Financial Accounting Standards Board | SOFR | Secured overnight financing rate |
| FDIC | Federal Deposit Insurance Corporation | Southern States | Southern States Bancshares, Inc. |
| FDM | Financial Difficulty Modification | TDFI | Tennessee Department of Financial Institutions |
| Federal Reserve | Board of Governors of the Federal Reserve System | ||
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