secwatch.observer — SEC 8-K summary
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Issuer:     FB Financial Corp (FBK)
CIK:        0001649749
Form:       8-K
Filed at:   2025-04-14T23:59:59+00:00
Accession:  0001649749-25-000111
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1649749/000164974925000111/0001649749-25-000111-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1649749/000164974925000111/fbk-20250414.htm
  HTML page:      https://secwatch.observer/filing/0001649749-25-000111

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