---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-25-000178"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2025-07-14T23:59:59+00:00"
generated_at: "2026-05-18T06:40:43.471412+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FB Financial Q2 GAAP EPS $0.06 on $60.5M securities loss; adjusted EPS $0.88, NIM 3.68%

## Summary
- GAAP net income $2.9M ($0.06 diluted EPS) vs $0.84 prior Q and $0.85 YoY, impacted by $60.5M loss on sale of securities.
- Adjusted diluted EPS $0.88 vs $0.85 prior Q and $0.84 YoY; adjusted pre-tax pre-provision net revenue $58.6M.
- Net interest margin improved to 3.68% from 3.55% prior Q; loans HFI $9.87B (+4.22% annualized QoQ), deposits $11.40B (+7.21% annualized QoQ).
- Closed Southern States merger on July 1, 2025, adding ~$2.87B in assets, $2.32B loans, $2.47B deposits.
- Repurchased 811,704 shares in Q2; book value per share $35.17, tangible book value $29.78.

## SEC filing metadata
- accession: 0001649749-25-000178
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2025-07-14T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1649749/000164974925000178/0001649749-25-000178-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000178/fbk-20250714.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-25-000178
- JSON: https://secwatch.observer/filing/0001649749-25-000178.json
- Plain text: https://secwatch.observer/filing/0001649749-25-000178.txt

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