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FB Financial Corporation furnished an investor presentation in connection with its July 28, 2026 appearance at the Keefe, Bruyette & Woods Summer Bank Conference, providing updated franchise and financial metrics as of June 30, 2026.
The company reports $16.8 billion in total assets, $13.1 billion of loans and $14.3 billion of deposits, served through 90 full‑service branches and over 1,600 employees. Loans held for investment reached about $12.9 billion, up $362 million in the quarter, or 11.6% annualized. Fully taxable‑equivalent net interest income was $149.8 million in 2Q26, with net interest margin at 3.95%.
Customer deposits grew at an annualized rate of 7.70%, with noninterest‑bearing balances at 19.3% of deposits and a total deposit cost of 2.26%. Credit quality indicators include an annualized net charge‑off ratio near 0.06% and an Allowance for Credit Losses of $194.0 million, covering 1.51% of loans. Regulatory capital ratios are described as well above required thresholds, including a Common Equity Tier 1 ratio of 11.0%, a total risk‑based capital ratio of 12.9%, and on‑balance sheet liquidity of about $1.81 billion, or 11.0% of tangible assets, alongside share repurchases of roughly 3% of shares outstanding in the quarter.
The Chief Accounting Officer of FB Financial Corp reported an open-market sale of 7,000 shares of common stock on July 15, 2026, at a weighted average price of $59.03 per share, executed in multiple trades between $59.00 and $59.10. After this transaction, the officer directly holds 41,269 shares of FB Financial Corp common stock.
FB Financial Corporation reported strong second-quarter 2026 results. Net income was $58.6 million, or $1.13 per diluted share, up from $1.10 in the prior quarter and $0.06 a year earlier. Adjusted net income was $58.9 million, or $1.14 per diluted share.
Adjusted pre-tax pre-provision net revenue reached $83.6 million, up 6.94% from the prior quarter and 42.6% year over year. Loans held for investment grew to $12.87 billion from $12.50 billion in March 2026 and $9.87 billion a year earlier, while deposits rose to $14.35 billion from $14.08 billion and $11.40 billion over the same periods. Net interest margin was 3.95%, slightly above 3.94% in the prior quarter.
The bank reported an efficiency ratio of 52.3% and an adjusted efficiency ratio of 52.0%, both improved from the prior quarter. Credit costs remained modest with annualized net charge-offs of 0.06% of average loans, though nonperforming loans increased to 1.17% of loans. Capital remained solid, with a preliminary common equity Tier 1 ratio of 11.0% and tangible common equity to tangible assets of 9.49%. FB Financial repurchased 1,546,707 shares, or 3.01% of common shares outstanding, during the quarter.
FB Financial Corp director Milton R. Johnson reported receiving an equity award in the form of Restricted Stock Units (RSUs). On May 22, 2026, he acquired 1,329 shares of Common Stock-equivalent RSUs at no cash cost, classified as a grant or award.
The RSUs were granted under the issuer's Non-Employee Director Compensation Policy and are scheduled to vest on April 30, 2027. Following this grant, Johnson's direct holdings reported in this filing total 4,312 shares of FB Financial Corp common stock.
FB Financial Corp director William F. Carpenter III received an equity award in the form of restricted stock units. On this Form 4, he acquired 1,329 shares of Common Stock at a stated price of $0.00 per share as a grant or award. Following the grant, he directly holds 28,711 shares. According to the disclosure, the 1,329 RSUs were granted under the issuer's Non-Employee Director Compensation Policy and are scheduled to vest on April 30, 2027.
Jubran Raja J. reported acquisition or exercise transactions in this Form 4 filing.
FB Financial Corp director Raja J. Jubran reported receiving an equity grant in the form of Restricted Stock Units (RSUs). The grant covers 1,329 RSUs awarded at no cash cost under the company’s Non-Employee Director Compensation Policy.
The RSUs are scheduled to vest on April 30, 2027. After this grant, Jubran directly holds 59,139 shares of FB Financial Corp common stock, reflecting his updated ownership position as reported in this filing.
FB Financial Corp President and CEO Christopher T. Holmes reported non-market gift transfers of company stock. On April 13, 2026, he made bona fide gifts totaling 77,238 shares of common stock, split into two transfers of 38,619 shares each at $0.00 per share.
One transfer moved shares into the Susan P. Holmes Revocable Living Trust, and another adjusted directly held shares. Footnotes state Holmes and his spouse are beneficiaries and co‑trustees of both the revocable and GST‑exempt family trusts, so he remains the beneficial owner of those trust-held shares, with post-transaction holdings shown across direct and indirect accounts.
FB Financial Corp director James W. Cross IV received an equity award of 1,329 Restricted Stock Units (RSUs) of common stock. The award was granted under the company’s Non-Employee Director Compensation Policy at no cash cost per share. Following this grant, he holds 63,983 shares of common stock directly. The RSUs are scheduled to vest on April 30, 2027, meaning they will convert into shares for him on that date if vesting conditions are met.
FB Financial Corp director James L. Exum reported receiving an equity award of 1,329 shares of Common Stock. The filing classifies this as a grant or award acquisition, with no cash price per share. After this award, his directly owned holdings total 12,439 shares of Common Stock.
According to the footnote, the award consists of Restricted Stock Units granted under the company’s Non-Employee Director Compensation Policy. These RSUs are scheduled to vest on April 30, 2027, which means the shares become fully earned over time rather than immediately.