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FB Financial Corporation furnished an investor presentation outlining strong 2025 performance and current positioning. For 2025, revenue reached $560.0 million, up $104.4 million or 23% from $455.6 million in 2024, while net income increased to $122.6 million from $116.0 million.
Reported diluted EPS was $2.45 and adjusted EPS was $3.99. Loans held for investment grew to $12.4 billion from $9.6 billion and deposits to $13.9 billion from $11.2 billion. The company reported a 2025 net interest margin of 3.81% and an adjusted efficiency ratio of 56.4%.
As of December 31, 2025, total assets were $16.3 billion, total loans $12.6 billion, total deposits $13.9 billion and total equity $1.9 billion. Adjusted return on average assets was 1.51% and adjusted return on average tangible common equity was 15.9%, with a Common Equity Tier 1 ratio of 11.4% and an allowance for credit losses coverage ratio of 1.50%.
FB Financial Corp director Smith J. Henry IV reported an equity grant under the company’s non-employee director compensation program. On July 2, 2025 he received an award tied to 1,065 shares at a stated price of $0, described as Restricted Stock Units that vest on April 30, 2026.
Following this grant, he beneficially owned 43,245 shares of common stock directly, with an additional 584 shares reported as indirectly owned through his children.
FB Financial Corporation reported that Chief Accounting Officer Jonathan Pennington has resigned from FB Financial and its wholly owned subsidiary FirstBank, effective on or about February 26, 2026, to take a role at another institution. The company states his resignation is not due to any disagreement regarding operations, policies, accounting principles, practices, or internal controls.
The boards of FB Financial and FirstBank have appointed Lynn Joyce, age 62, to succeed him as Chief Accounting Officer, effective on or about March 1, 2026. Joyce previously served as Chief Financial Officer of Southern States Bancshares, Inc. from 2013 until its acquisition by FB Financial in July 2025 and then moved into a senior finance role at FirstBank. In connection with her new role, her total annual compensation, including short- and long-term bonus opportunities, will increase by approximately 29%. The company reports no special arrangements, family relationships, or related-party transactions connected to her appointment.
FB Financial Corp director receives stock compensation instead of cash. Director Orrin H. Ingram II was awarded 261 shares of FB Financial Corp common stock on January 30, 2026, at a price of $57.53 per share under the company’s Non-Employee Director Compensation Policy.
After this award, he beneficially owns 93,433 shares of FB Financial common stock in direct ownership. The transaction reflects routine equity-based compensation where a director elected to receive company shares in lieu of cash fees.
FB Financial Corp director Clark Agenia reported receiving 131 shares of common stock on January 30, 2026 as compensation. The shares were issued at $57.53 per share under FB Financial Corporation’s Non-Employee Director Compensation Policy, in lieu of a cash payment.
Following this award, Agenia directly holds 12,970 shares of FB Financial Corp common stock. The filing reports no derivative securities activity.
FB Financial Corp director William F. Carpenter III received 261 shares of common stock on January 30, 2026. The shares were issued at $57.53 per share as stock paid in lieu of cash under the company’s Non-Employee Director Compensation Policy.
Following this award, Carpenter directly owns 25,624 shares of FB Financial Corp common stock. This filing records a routine equity-based component of director compensation rather than an open-market purchase or sale.
FB Financial Corp director Pinson Charles Wright received 261 shares of common stock on January 30, 2026, at a value of $57.53 per share, under the company’s Non-Employee Director Compensation Policy.
After this stock-based compensation, Wright beneficially owned 24,539 shares of FB Financial Corp common stock directly.
FB Financial Corporation reported that it has released its financial results for the fourth quarter and full year ended December 31, 2025. The company issued an earnings press release and also prepared detailed supplemental financial information and an earnings presentation to give more insight into its performance for the period.
FB Financial plans to host a conference call on January 22, 2026 to discuss its quarterly results with analysts and investors. The earnings release, financial supplement, and earnings presentation are provided as Exhibits 99.1, 99.2, and 99.3, respectively, and are furnished rather than filed, which limits their use for certain legal purposes.
FB Financial Corp insider activity: On January 15, 2026, reporting person James Austin McPherson, a more than 10% owner of FB Financial Corp, sold 8,500 shares of common stock at a weighted average price of $60.06 per share in open-market transactions. The shares were sold at prices ranging from $60.00 to $60.27. Following this sale, he directly held 9,484 shares of common stock. In addition, 7,051,841 shares are held indirectly by the Estate of James W. Ayers, where he serves as co-executor and disclaims beneficial ownership, and 2,100 shares are held indirectly through limited liability companies established for family members, for which he also disclaims beneficial ownership.
FB Financial Corp reported an insider share transaction by its General Counsel and Corporate Secretary, Beth W. Sims. On 01/02/2026, 593 shares of common stock were withheld at a price of $56.12 per share in connection with previously granted restricted stock units. According to the explanation, a portion of these restricted stock units had vested on January 2, 2025, and the issuer withheld 593 shares to cover tax obligations. Following this tax withholding, Sims directly beneficially owns 21,459 shares of FB Financial Corp common stock.