{"schema_version":"secwatch.filing_event.v1","accession":"0001649749-23-000238","form_type":"8-K","ticker":"FBK","cik":"0001649749","company_name":"FB Financial Corp","filed_at":"2023-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.935701+00:00","generated_at":"2026-06-09T23:25:24.222622+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"FB Financial Q3 diluted EPS $0.41 (adj. $0.71); deposits $10.64B, NIM 3.42%","bullets":["Net income $19.2M ($0.41 diluted EPS); adjusted net income $33.2M ($0.71 adjusted EPS).","Sold $76.6M securities yielding 1.36%, reinvested at 6.43%; recorded $14.2M pre-tax loss.","Deposits $10.64B vs. $10.87B in Q2; cost of deposits rose to 2.58% from 2.38%.","NIM expanded to 3.42% from 3.40%; net interest income essentially flat at $101M.","NPL ratio 0.59% (up from 0.47%); net charge-offs 0.02%; ACL 1.57% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001649749-23-000238","json":"https://secwatch.observer/filing/0001649749-23-000238.json","markdown":"https://secwatch.observer/filing/0001649749-23-000238.md","text":"https://secwatch.observer/filing/0001649749-23-000238.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1649749/000164974923000238/0001649749-23-000238-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1649749/000164974923000238/fbk-20231016.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T23:25:24.222622+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"be3ffc1fee0ba656cc835f57b729dcf36f36a286","claim":"FB Financial Corp reported the third quarter ended September 30, 2023 results: revenue $108,968, net income $19.2 million, EPS $0.41 per diluted common share.","evidence_excerpt":"income $ 100,926 $ 101,543 $ 111,384 NIM 3.42 % 3.40 % 3.93 % Noninterest income $ 8,042 $ 23,813 $ 22,592 Loss from securities, net $ (14,197) $ (28) $ (140) Total revenue $ 108,968 $ 125,356 $ 133,976 Noninterest expense $ 82,997 $ 81,292 $ 81,847 Early retirement and severance costs $ 4,809 $ 1,426 $ — Efficiency ratio 76.2 % 64.8 % 61.1 % Core efficiency","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1649749/000164974923000238/0001649749-23-000238-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2023"},{"label":"Revenue","value":"$108,968"},{"label":"Net income","value":"$19.2 million"},{"label":"EPS","value":"$0.41 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}