---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-24-000006"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2024-01-16T23:59:59+00:00"
generated_at: "2026-06-06T23:17:05.323164+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FB Financial Q4 2023 EPS $0.63; adjusted EPS $0.77; NIM expands to 3.46%

## Summary
- Net income $29.4M ($0.63 diluted EPS) vs $0.41 prior Q and $0.81 year-ago; adjusted EPS $0.77 vs $0.71 prior Q and $0.85 year-ago.
- Loans HFI grew 5.19% annualized to $9.41B; deposits declined $91M linked Q to $10.55B.
- Net interest margin improved to 3.46% from 3.42% prior Q; net recoveries of 0.04% annualized.
- Core efficiency ratio improved to 61.7% from 63.1% prior Q; core noninterest expense $74.4M.
- Tangible book value per share $25.69, up 29.2% annualized from $23.93 prior Q.

## SEC filing metadata
- accession: 0001649749-24-000006
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2024-01-16T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1649749/000164974924000006/0001649749-24-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974924000006/fbk-20240116.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-24-000006
- JSON: https://secwatch.observer/filing/0001649749-24-000006.json
- Plain text: https://secwatch.observer/filing/0001649749-24-000006.txt

## Key facts
- Earnings Releases
  FB Financial Corp reported financial results for the fourth quarter and year ended December 31, 2023.
  - Period: the fourth quarter and year ended December 31, 2023
  - Result: reported results
  source text: On January 16, 2024, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2023 (the “ Earnings Release ”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1649749/000164974924000006/0001649749-24-000006-index.htm

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