FB Financial Q1 2025 EPS $0.84, adjusted $0.85; NIM expands to 3.55%

FB Financial Corp

2025-Q1 EPS reported $0.84

Net income $39.4M ($0.84 diluted EPS); adjusted net income $40.1M ($0.85 adjusted diluted EPS).
Loans HFI $9.77B, up 7.14% annualized QoQ; deposits flat at $11.20B.
Net interest margin 3.55% vs 3.50% prior quarter; cost of deposits down 16bp to 2.54%.
Net charge-offs 0.14% annualized (vs 0.47% prior Q); nonperforming loans fell to 0.79% of loans.
Repurchased 208,680 shares; announced pending merger with Southern States Bancshares.

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