---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-25-000069"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2025-03-31T23:59:59+00:00"
generated_at: "2026-05-24T01:54:20.052763+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# FB Financial to acquire Southern States Bancshares in all-stock merger

## Summary
- Exchange ratio: 0.80 FB Financial shares per Southern States share; cash for fractional shares.
- Southern States had $2.8B assets, $2.2B loans, $2.4B deposits as of Dec 31, 2024.
- Deal adds 15 branches across Alabama and Georgia plus two loan production offices in Atlanta MSA.
- Termination fee of $15M payable by either party under specified conditions.
- Insider voting agreements cover ~5.4% of SSBK and ~1.83% of FBK shares in favor of deal.

## SEC filing metadata
- accession: 0001649749-25-000069
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2025-03-31T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 1.01, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000069/0001649749-25-000069-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000069/fbk-20250331.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-25-000069
- JSON: https://secwatch.observer/filing/0001649749-25-000069.json
- Plain text: https://secwatch.observer/filing/0001649749-25-000069.txt

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