FB Financial Q2 net income $40.0M, EPS $0.85; NIM expands to 3.57%

FB Financial Corp

2024-Q2 EPS reported $1.45

Net income $40.0M ($0.85 diluted EPS) vs $27.95M ($0.59) prior Q and $35.3M ($0.75) YoY; adjusted EPS $0.84.
Net interest margin 3.57% vs 3.42% Q1; net interest income $102.6M vs $99.5M prior.
Loans HFI $9.31B (flat); deposits $10.47B; noninterest-bearing deposits flat at $2.19B.
Allowance for credit losses 1.67% of loans; net charge-offs 0.02% annualized.
Tangible book value $26.82/share (+9.36% annualized); capital ratios strong; repurchased 353K shares.

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