secwatch.observer — SEC 8-K summary
======================================

Issuer:     FB Financial Corp (FBK)
CIK:        0001649749
Form:       8-K
Filed at:   2025-01-21T23:59:59+00:00
Accession:  0001649749-25-000014
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1649749/000164974925000014/0001649749-25-000014-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1649749/000164974925000014/fbk-20250121.htm
  HTML page:      https://secwatch.observer/filing/0001649749-25-000014

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer