FB Financial Q3 2026 net income $60.2M, EPS $1.20 vs $0.43 a year ago; loans HFI up 9.7% annualized

FB Financial Corp

Net income of $60.2M, or $1.20 diluted EPS, vs $1.13 in Q2 2026 and $0.43 in Q3 2025; adjusted diluted EPS $1.21 vs $1.14 and $1.07.
Loans HFI $13.18B, up 9.68% annualized QoQ, and deposits $14.67B, up 8.82% annualized; NIM narrowed to 3.83% from 3.95% on higher funding costs.
Mortgage banking income fell to $9.4M from $11.2M in Q2 and $13.5M a year ago; noninterest expense $96.0M and efficiency ratio 55.0% vs 52.3% prior quarter.
Provision expense was only $1.4M vs $10.1M in Q2 and $34.4M in Q3 2025; net charge-offs 0.04% of average loans and nonperforming loans 1.18% of loans HFI.
Repurchased 545,214 shares for $29.3M and completed a $125.0M subordinated debt issuance at 180 bps over the five-year Treasury; CET1 11.0%, tangible book value $31.50/share.

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