FB Financial Corp
For the period ended Sep 30, 2025. Filed Nov 7, 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.
Sep 30, 2025 · Filed Nov 7, 2025
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Glossary Of Abbreviations And Acronyms
As used in this Quarterly Report on Form 10-Q for the quarter ended September 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 | FHLB | Federal Home Loan Bank |
|---|---|---|---|
| AFS | Available-for-sale | GAAP | U.S. generally accepted accounting principles |
| ALCO | Asset Liability Management Committee | GNMA | Government National Mortgage Association |
| ASC | Accounting Standard Codification | HFI | Held for investment |
| ASU | Accounting Standard Update | NIM | Net interest margin |
| Bank | FirstBank, subsidiary bank | OREO | Other real estate owned |
| BOLI | Bank-owned life insurance | PCD | Purchased credit-deteriorated |
| CECL | Current expected credit losses | PSU | Performance-based restricted stock units |
| Company | FB Financial Corporation | Report | Form 10-Q for the quarterly period ended September 30, 2025 |
| CPR | Conditional prepayment rate | ROAA | Return on average assets |
| ESPP | Employee Stock Purchase Plan | ROAE | Return on average common equity |
| EVE | Economic value of equity | ROATCE | Return on average tangible common equity |
| FASB | Financial Accounting Standards Board | RSU | Restricted stock units |
| FDIC | Federal Deposit Insurance Corporation | SEC | U.S. Securities and Exchange Commission |
| FDM | Financial difficulty modification | SOFR | Secured overnight financing rate |
| Federal Reserve | Board of Governors of the Federal Reserve System | Southern States | Southern States Bancshares, Inc. |
| FFIEC | Federal Financial Institutions Examination Council | TDFI | Tennessee Department of Financial Institutions |
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