FB Financial Corp

For the period ended Dec 31, 2025. Filed Feb 26, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 26, 2026

FBK$54.90-0.4%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated statements of income

(Amounts are in thousands, except per share amounts)

	Years Ended December 31,
	2025	2024	2023
Interest income:
Interest and fees on loans	$731,923	$626,402	$599,195
Interest on investment securities
Taxable	57,907	50,057	27,257
Tax-exempt	4,185	4,749	7,153
Other	39,911	44,330	44,805
Total interest income	833,926	725,538	678,410
Interest expense:
Deposits	309,207	296,345	258,819
Borrowings	8,619	12,690	12,374
Total interest expense	317,826	309,035	271,193
Net interest income	516,100	416,503	407,217
Provision for credit losses on loans HFI	33,189	14,667	16,738
Provision for (reversal of) credit losses on unfunded commitments	10,089	(2,663)	(14,199)
Net interest income after provision for credit losses	472,822	404,499	404,678
Noninterest income:
Mortgage banking income	52,444	46,634	44,692
Investment services and trust income	16,333	14,191	11,320
Service charges on deposit accounts	15,104	13,234	12,154
ATM and interchange fees	12,089	11,465	10,282
Loss from investment securities, net	(60,457)	(56,378)	(13,973)
Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net	(1,166)	(2,167)	(27)
Other income	9,563	12,091	6,095
Total noninterest income	43,910	39,070	70,543
Noninterest expenses:
Salaries, commissions and employee benefits	217,721	183,813	203,441
Occupancy and equipment expense	28,085	26,250	28,148
Merger and integration costs	23,803	—	—
Data processing	9,740	9,642	9,230
Advertising	9,582	7,007	8,267
Legal and professional fees	8,148	7,679	8,890
Amortization of core deposit and other intangibles	5,298	2,947	3,659
Other expense	75,837	59,561	63,294
Total noninterest expense	378,214	296,899	324,929
Income before income taxes	138,518	146,670	150,292
Income tax expense	15,880	30,619	30,052
Net income applicable to FB Financial Corporation and noncontrolling interest	122,638	116,051	120,240
Net income applicable to noncontrolling interest	16	16	16
Net income applicable to FB Financial Corporation	$122,622	$116,035	$120,224
Earnings per common share:
Basic	$2.47	$2.48	$2.57
Diluted	2.45	2.48	2.57

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.