---
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"
generated_at: "2026-05-17T03:54:37.920767+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FB Financial Q3 adjusted EPS $1.07, NIM expands to 3.95%; Southern States merger boosts growth

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1649749/000164974925000208/0001649749-25-000208-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974925000208/fbk-20251014.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-25-000208
- JSON: https://secwatch.observer/filing/0001649749-25-000208.json
- Plain text: https://secwatch.observer/filing/0001649749-25-000208.txt

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