{"schema_version":"secwatch.filing_event.v1","accession":"0001649749-26-000063","form_type":"8-K","ticker":"FBK","cik":"0001649749","company_name":"FB Financial Corp","filed_at":"2026-10-13T10:17:33+00:00","discovered_at":"2026-10-13T10:20:00.254777+00:00","generated_at":"2026-10-13T10:20:06.973214+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"FB Financial Q3 2026 net income $60.2M, EPS $1.20 vs $0.43 a year ago; loans HFI up 9.7% annualized","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001649749-26-000063","json":"https://secwatch.observer/filing/0001649749-26-000063.json","markdown":"https://secwatch.observer/filing/0001649749-26-000063.md","text":"https://secwatch.observer/filing/0001649749-26-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/0001649749-26-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/fbk-20261013.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-13T10:20:06.973214+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"}