{"schema_version":"secwatch.filing_event.v1","accession":"0001649749-25-000014","form_type":"8-K","ticker":"FBK","cik":"0001649749","company_name":"FB Financial Corp","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.305774+00:00","generated_at":"2026-05-27T22:12:54.937309+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FB Financial reports Q4 2024 EPS $0.81 ($0.85 adj), NIM 3.50%, loans +5.2% annualized","bullets":["Net income $37.9M ($0.81 diluted EPS); adjusted diluted EPS $0.85, flat sequentially.","Loans HFI up 5.22% annualized to $9.60B; deposits up 8.49% annualized to $11.21B.","NIM 3.50% vs 3.55% prior quarter; net interest income $108.4M (+2.2% QoQ).","Annualized net charge-offs 0.47% reflecting one commercial charge-off; NPL ratio 0.87%.","Tangible book value per share $28.27, up 10% YoY; CET1 ratio 12.8%."],"urls":{"canonical":"https://secwatch.observer/filing/0001649749-25-000014","json":"https://secwatch.observer/filing/0001649749-25-000014.json","markdown":"https://secwatch.observer/filing/0001649749-25-000014.md","text":"https://secwatch.observer/filing/0001649749-25-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1649749/000164974925000014/0001649749-25-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1649749/000164974925000014/fbk-20250121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:12:54.937309+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}