---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-24-000178"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2024-10-15T23:59:59+00:00"
generated_at: "2026-05-30T14:36:52.682364+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FB Financial Q3 GAAP EPS $0.22 on $40.2M securities loss; adjusted EPS $0.86 beats prior year $0.71

## Summary
- Net income $10.2M ($0.22 diluted EPS) vs $0.85 prior Q; adjusted net income $40.1M ($0.86 diluted EPS).
- Loans HFI $9.48B (+7.2% annualized); total deposits $10.98B (+19.3% annualized).
- NIM 3.55% vs 3.57% prior Q; sold $318.6M low-yield securities, realized $40.2M loss, reinvested at 5.25% yield.
- Nonperforming assets/total assets rose to 0.99% from 0.81%; net charge-offs remained low at 0.03% annualized.
- Total risk-based capital ratio 15.1%; TCE/TA 10.4%; expanded into Tuscaloosa, AL market.

## SEC filing metadata
- accession: 0001649749-24-000178
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2024-10-15T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1649749/000164974924000178/0001649749-24-000178-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974924000178/fbk-20241015.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-24-000178
- JSON: https://secwatch.observer/filing/0001649749-24-000178.json
- Plain text: https://secwatch.observer/filing/0001649749-24-000178.txt

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