FB Financial Corp (NYSE: FBK) shifts FirstBank to Federal Reserve oversight

Rhea-AI Filing Summary

FB Financial Corporation announced that its banking subsidiary, FirstBank, became a member of the Federal Reserve System effective December 2, 2025. This change means the Board of Governors of the Federal Reserve System is now FirstBank’s primary federal regulator, taking over that role from the Federal Deposit Insurance Corporation. The Tennessee Department of Financial Institutions will continue as the bank’s primary state regulator. The company states that customers’ day-to-day banking experience will not change and that deposits remain insured by the FDIC to the maximum amount allowed by law.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of report (Date of earliest event reported): December 2, 2025

FB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Tennessee

001-37875

62-1216058

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1221 Broadway, Suite 1300

Nashville, Tennessee 37203

(Address of principal executive offices) (Zip Code)

(615) 564-1212

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 par value

FBK

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).  

Emerging growth company ☐ 

If  an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ 

Item 8.01. Other Events.

Effective Tuesday, December 2, 2025, FirstBank (the “Bank”), subsidiary of FB Financial Corporation, became a member of the Federal Reserve System. As a result, the Board of Governors of the Federal Reserve System assumed the role as the Bank’s primary federal regulator, succeeding the Federal Deposit Insurance Corporation. The Tennessee Department of Financial Institutions will continue to serve as the Bank’s primary state regulator.

The change in the Bank’s primary federal regulator will not affect the customers’ day-to-day experience with the Bank, and customer deposits continue to be insured by the Federal Deposit Insurance Corporation to the greatest extent permitted by law.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FB FINANCIAL CORPORATION

By: /s/ Michael M. Mettee

Michael M. Mettee

Chief Financial Officer & Chief Operating Officer

(Principal Financial Officer)

Date: December 4, 2025

FAQ

What regulatory change did FB Financial Corporation (FBK) announce?

FB Financial Corporation reported that its subsidiary FirstBank became a member of the Federal Reserve System, making the Federal Reserve its primary federal regulator instead of the FDIC.

How does joining the Federal Reserve System affect FirstBank customers of FBK?

The company states that the change in FirstBank’s primary federal regulator will not affect customers’ day-to-day experience with the bank.

Are FirstBank deposits with FB Financial Corporation (FBK) still FDIC insured?

Yes. The company confirms that customer deposits at FirstBank continue to be insured by the Federal Deposit Insurance Corporation to the greatest extent permitted by law.

Which agencies now regulate FirstBank, the FB Financial Corporation (FBK) subsidiary?

The Board of Governors of the Federal Reserve System is FirstBank’s primary federal regulator, and the Tennessee Department of Financial Institutions remains its primary state regulator.

What was FirstBank’s prior primary federal regulator before joining the Federal Reserve System?

Before becoming a member of the Federal Reserve System, FirstBank’s primary federal regulator was the Federal Deposit Insurance Corporation.