---
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"
generated_at: "2026-05-27T22:12:54.937309+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FB Financial reports Q4 2024 EPS $0.81 ($0.85 adj), NIM 3.50%, loans +5.2% annualized

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1649749/000164974925000014/0001649749-25-000014-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000014/fbk-20250121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-25-000014
- JSON: https://secwatch.observer/filing/0001649749-25-000014.json
- Plain text: https://secwatch.observer/filing/0001649749-25-000014.txt

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