{"schema_version":"secwatch.filing_event.v1","accession":"0001649749-25-000208","form_type":"8-K","ticker":"FBK","cik":"0001649749","company_name":"FB Financial Corp","filed_at":"2025-10-14T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.042496+00:00","generated_at":"2026-05-17T03:54:37.920767+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FB Financial Q3 adjusted EPS $1.07, NIM expands to 3.95%; Southern States merger boosts growth","bullets":["GAAP diluted EPS $0.43 vs $0.06 prior quarter; adjusted diluted EPS $1.07 vs $0.86 YoY.","Loans HFI $12.30B (+24.6% QoQ) and deposits $13.81B (+21.1% QoQ) driven by Southern States merger closed July 1.","Net interest margin improved to 3.95% from 3.68% QoQ; core efficiency ratio improved to 53.3% from 56.9%.","Total provision for credit losses $34.4M, including $25.1M day-one allowance on non-PCD acquired loans.","Book value per share $37.00, tangible book value $29.83; repurchased 493k shares in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001649749-25-000208","json":"https://secwatch.observer/filing/0001649749-25-000208.json","markdown":"https://secwatch.observer/filing/0001649749-25-000208.md","text":"https://secwatch.observer/filing/0001649749-25-000208.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1649749/000164974925000208/0001649749-25-000208-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1649749/000164974925000208/fbk-20251014.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:54:37.920767+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}