---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-23-000199"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2023-07-17T23:59:59+00:00"
generated_at: "2026-06-13T07:44:30.288103+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# FB Financial Q2 net income $35.3M ($0.75 EPS); adjusted EPS $0.77; deposits down to $10.87B

## Summary
- Net income $35.3M ($0.75 diluted EPS) vs $0.78 prior Q and $0.41 YoY; adjusted net income $36.0M ($0.77 adj EPS).
- Total deposits $10.87B, down from $11.18B prior Q, driven by $462.6M reduction in public funds.
- Loans held for investment $9.33B, down slightly from $9.37B prior Q, with CRE construction down $118.1M.
- Net interest margin 3.40%, down from 3.51% prior Q and 3.52% YoY.
- Book value per share grew to $29.64, adjusted tangible book value to $27.72 (9.84% annualized QoQ).

## SEC filing metadata
- accession: 0001649749-23-000199
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2023-07-17T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1649749/000164974923000199/0001649749-23-000199-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974923000199/fbk-20230717.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-23-000199
- JSON: https://secwatch.observer/filing/0001649749-23-000199.json
- Plain text: https://secwatch.observer/filing/0001649749-23-000199.txt

## Key facts
- Earnings Releases
  FB Financial Corp reported second quarter ended June 30, 2023 results: net income $35.3 million, EPS $0.75 per diluted common share.
  - Period: second quarter ended June 30, 2023
  - Net income: $35.3 million
  - EPS: $0.75 per diluted common share
  - Result: reported results
  source text: FB Financial Corporation Reports Second Quarter 2023 Results Reports Q2 Diluted EPS of $0.75, Adjusted Diluted EPS* of $0.77 NASHVILLE, TENNESSEE—July 17, 2023-- FB Financial Corporation (the “Company”) (NYSE: FBK), parent company of FirstBank, reported net income of $35.3 million, or $0.75 per diluted common share, for the second quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1649749/000164974923000199/0001649749-23-000199-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.