FB Financial Corp (FBK) released a September 2026 fixed income investor presentation outlining its franchise, balance sheet and performance through June 30, 2026. The company reports total assets of $16.8 billion, loans held for investment of $12.9 billion, and deposits of $14.3 billion.
For second-quarter 2026, FB Financial reports ROAA of 1.44%, return on average tangible common equity of 14.6%, and a fully tax-equivalent net interest margin of 3.95%, with adjusted diluted EPS of $1.14. The efficiency ratio improved to 52.3% (52.0% adjusted). Asset quality metrics remain conservative, with an allowance for credit losses equal to 1.51% of loans, an annualized net charge-off ratio of about 0.06%, and nonperforming assets at 1.14% of total assets.
Capital and liquidity are highlighted as key strengths: the CET1 ratio is 11.0%, total capital ratio is 12.9%, and tangible common equity to tangible assets is 9.5%. Core deposits represent 95.2% of funding, noninterest-bearing deposits are 19.3% of total, and available liquidity sources provide about 2.43x coverage of uninsured and uncollateralized deposits. The presentation also details recent growth, including the 2025 merger with Southern States Bancshares and ongoing non-GAAP performance metrics, and states that it does not constitute an offer or solicitation of securities.
FB Financial Corp director William F. Carpenter III reported an acquisition of 270 shares of common stock on July 31, 2026, at $60.38 per share. The shares were received in lieu of cash under the Non-Employee Director Compensation Policy, increasing his direct holdings to 28,981 shares.
Pinson Charles Wright reported acquisition or exercise transactions in this Form 4 filing.
FB Financial Corp director Charles Wright Pinson received 270 shares of Common Stock on July 31, 2026 as a stock grant valued at $60.38 per share, in lieu of cash under the Non-Employee Director Compensation Policy. Following this award, he directly holds 26,694 shares.
Clark Agenia reported acquisition or exercise transactions in this Form 4 filing.
FB Financial Corp director Agenia Clark reported receiving a grant of 135 shares of Common Stock on 2026-07-31 at an indicated value of $60.38 per share. The shares were issued in lieu of cash under the Non-Employee Director Compensation Policy, bringing her direct holdings to 14,573 shares.
FB Financial Corp director Orrin H. Ingram II reported a grant-type acquisition of 270 shares of common stock on 2026-07-31 at $60.38 per share. The shares were received as stock in lieu of cash under the company’s Non-Employee Director Compensation Policy, increasing his directly held position to 95,310 shares.
FB Financial Corporation reported strong profitability for the quarter ended June 30, 2026. Net income attributable to the company was $58.6 million, or $1.14 basic EPS, up from $2.9 million, or $0.06, a year earlier, as net interest income rose to $149.0 million and noninterest income swung to a $25.8 million gain from a prior‑year loss largely tied to securities.
Total assets reached $16.8 billion at June 30, 2026, with loans held for investment of $12.9 billion and deposits of $14.3 billion. The Southern States Bancshares merger added $2.83 billion of assets and $2.47 billion of deposits at closing and created $107.8 million of goodwill and a $30.8 million core deposit intangible. The company returned capital through $106.0 million of common share repurchases in the first half of 2026 and cash dividends of $22.0 million.
Credit quality remained a key focus. The allowance for credit losses on loans held for investment increased to $194.0 million, with nonaccrual loans of $108.6 million and collateral‑dependent loans of $146.3 million. Commitments to extend credit and standby letters of credit totaled $3.35 billion, while mortgage servicing rights were carried at $145.4 million, supported by $9.29 billion of serviced mortgages.
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.