---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-25-000111"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2025-04-14T23:59:59+00:00"
generated_at: "2026-05-23T15:30:54.874599+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001649749-25-000111
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2025-04-14T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000111/0001649749-25-000111-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000111/fbk-20250414.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-25-000111
- JSON: https://secwatch.observer/filing/0001649749-25-000111.json
- Plain text: https://secwatch.observer/filing/0001649749-25-000111.txt

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