---
schema_version: "secwatch.filing_event.v1"
accession: "0001649749-26-000003"
form_type: "8-K"
ticker: "FBK"
cik: "0001649749"
company_name: "FB Financial Corp"
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:18:13.525311+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FB Financial Q4 2025 GAAP EPS $1.07, adjusted $1.16; NIM expands to 3.98%

## Summary
- Q4 net income $57.0M ($1.07 diluted EPS); adjusted net income $61.5M ($1.16 adjusted diluted EPS).
- Net interest margin 3.98%, up from 3.95% prior Q and 3.50% YoY; net interest income $149.8M.
- Loans HFI $12.38B (+0.7% linked Q); deposits $13.91B (+0.7% linked Q).
- Repurchased 1.72M shares (~3% of outstanding) during Q4; tangible book value $30.27/share.
- Preliminary CET1 ratio 11.4%; total risk-based capital 13.2%; net charge-offs remain low at 0.05%.

## SEC filing metadata
- accession: 0001649749-26-000003
- form_type: 8-K
- ticker: FBK
- cik: 0001649749
- company_name: FB Financial Corp
- filed_at: 2026-01-21T23:59:59+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/1649749/000164974926000003/0001649749-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1649749/000164974926000003/fbk-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-26-000003
- JSON: https://secwatch.observer/filing/0001649749-26-000003.json
- Plain text: https://secwatch.observer/filing/0001649749-26-000003.txt

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