---
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"
generated_at: "2026-10-13T10:20:06.973214+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001649749-26-000063
- JSON: https://secwatch.observer/filing/0001649749-26-000063.json
- Plain text: https://secwatch.observer/filing/0001649749-26-000063.txt

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