secwatch.observer — SEC 8-K summary
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Issuer:     FB Financial Corp (FBK)
CIK:        0001649749
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0001649749-26-000003
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 Q4 2025 GAAP EPS $1.07, adjusted $1.16; NIM expands to 3.98%
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1649749/000164974926000003/0001649749-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1649749/000164974926000003/fbk-20260121.htm
  HTML page:      https://secwatch.observer/filing/0001649749-26-000003

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer