STOCK TITAN

[POS AM] Southern States Bancshares, Inc. Common SEC Filing

Filing Impact
(No impact)
Filing Sentiment
(Neutral)
Form Type
POS AM
Rhea-AI Filing Summary

Southern States Bancshares, Inc. (SSBK) has filed Post-Effective Amendment No. 1 to two Form S-3 shelf registration statements solely to deregister unsold securities following its merger into FB Financial Corporation (FBK) on 2 July 2025.

The two affected shelves originally covered (1) up to $150 million of mixed securities and (2) 250,000 common shares for the Dividend Reinvestment and Common Stock Purchase Plan. Because SSBK ceased to exist as a separate issuer at closing, all previously registered but unissued or unsold securities are being removed from registration in accordance with the undertaking contained in each S-3.

Key details

  • Merger completion: SSBK merged with and into FBK on 2 July 2025 under the 31 March 2025 merger agreement, with FBK as the surviving corporation.
  • Filing type: POS AM (post-effective amendment) under the Securities Act section for deregistration; no new securities are being offered.
  • Capital structure impact: The action eliminates the ability to issue the remaining shelf amounts, thereby preventing further dilution under the former SSBK ticker.
  • Registrant status: Marked as an accelerated filer, smaller reporting company, and emerging growth company prior to the merger.
  • Signatory: -s- Michael M. Mettee, Chief Financial Officer of FB Financial Corporation, acting as successor-in-interest.

The amendment is an administrative step confirming that SSBK’s standalone capital-raising authority has ended and that all disclosure obligations tied to the two shelves are satisfied through deregistration.

Southern States Bancshares, Inc. (SSBK) ha presentato l'Emendamento Post-Esecutivo n. 1 a due registrazioni a scaffale Form S-3 esclusivamente per cancellare la registrazione dei titoli invenduti a seguito della sua fusione con FB Financial Corporation (FBK) il 2 luglio 2025.

I due scaffali interessati coprivano originariamente (1) fino a 150 milioni di dollari di titoli misti e (2) 250.000 azioni ordinarie per il Piano di reinvestimento dei dividendi e acquisto azioni ordinarie. Poiché SSBK ha cessato di esistere come emittente separata al momento della chiusura, tutti i titoli precedentemente registrati ma non emessi o invenduti vengono rimossi dalla registrazione in conformità con l'impegno contenuto in ciascun modulo S-3.

Dettagli chiave

  • Completamento fusione: SSBK si è fusa in FBK il 2 luglio 2025 secondo l'accordo di fusione del 31 marzo 2025, con FBK come società sopravvissuta.
  • Tipo di deposito: POS AM (emendamento post-esecutivo) ai sensi della sezione del Securities Act per la cancellazione della registrazione; non vengono offerti nuovi titoli.
  • Impatto sulla struttura del capitale: L'azione elimina la possibilità di emettere le quantità residue a scaffale, evitando così ulteriori diluizioni sotto il precedente ticker SSBK.
  • Status del registrante: Segnalato come accelerated filer, smaller reporting company e emerging growth company prima della fusione.
  • Firmatario: -s- Michael M. Mettee, Chief Financial Officer di FB Financial Corporation, in qualità di successore di interesse.

L'emendamento è un passaggio amministrativo che conferma la fine dell'autorità di raccolta capitale autonoma di SSBK e che tutti gli obblighi di divulgazione relativi ai due scaffali sono soddisfatti tramite la cancellazione della registrazione.

Southern States Bancshares, Inc. (SSBK) ha presentado la Enmienda Post-Efectiva No. 1 a dos declaraciones de registro en estantería Formulario S-3 únicamente para cancelar la inscripción de valores no vendidos tras su fusión con FB Financial Corporation (FBK) el 2 de julio de 2025.

Las dos estanterías afectadas originalmente cubrían (1) hasta 150 millones de dólares en valores mixtos y (2) 250,000 acciones comunes para el Plan de Reinvención de Dividendos y Compra de Acciones Comunes. Debido a que SSBK dejó de existir como emisor separado al cierre, todos los valores previamente registrados pero no emitidos o no vendidos se están eliminando de la inscripción conforme al compromiso contenido en cada S-3.

Detalles clave

  • Finalización de la fusión: SSBK se fusionó con FBK el 2 de julio de 2025 bajo el acuerdo de fusión del 31 de marzo de 2025, siendo FBK la corporación sobreviviente.
  • Tipo de presentación: POS AM (enmienda post-efectiva) bajo la sección del Securities Act para la cancelación de inscripción; no se ofrecen nuevos valores.
  • Impacto en la estructura de capital: La acción elimina la capacidad de emitir los montos restantes de la estantería, evitando así una mayor dilución bajo el antiguo ticker SSBK.
  • Estado del registrante: Clasificado como accelerated filer, smaller reporting company y emerging growth company antes de la fusión.
  • Firmante: -s- Michael M. Mettee, Director Financiero de FB Financial Corporation, actuando como sucesor en interés.

La enmienda es un paso administrativo que confirma que la autoridad autónoma de SSBK para recaudar capital ha terminado y que todas las obligaciones de divulgación vinculadas a las dos estanterías se satisfacen mediante la cancelación de la inscripción.

Southern States Bancshares, Inc.(SSBK)는 2025년 7월 2일 FB Financial Corporation(FBK)과의 합병에 따라 미매각 증권의 등록말소를 위해 두 건의 Form S-3 선반 등록서류에 대한 사후효력 수정서 1호를 제출했습니다.

해당 두 선반은 원래 (1) 최대 1억 5천만 달러의 혼합 증권과 (2) 배당 재투자 및 보통주 매입 계획을 위한 25만 주의 보통주를 포함했습니다. SSBK가 종결 시 별도 발행주체로서 존재하지 않게 되었으므로, 이전에 등록되었지만 발행되지 않았거나 미판매된 모든 증권은 각 S-3에 명시된 약속에 따라 등록에서 제거됩니다.

주요 내용

  • 합병 완료: SSBK는 2025년 3월 31일 합병계약에 따라 2025년 7월 2일 FBK에 합병되었으며, FBK가 존속 법인입니다.
  • 서류 유형: 증권법 관련 등록말소를 위한 사후효력 수정서(POS AM); 신규 증권 발행은 없습니다.
  • 자본 구조 영향: 남은 선반 금액 발행 권한이 제거되어 이전 SSBK 티커 하에서 추가 희석을 방지합니다.
  • 등록자 상태: 합병 전 가속 신고자(accelerated filer), 소규모 보고 회사(smaller reporting company), 신흥 성장 회사(emerging growth company)로 분류되었습니다.
  • 서명자: FB Financial Corporation의 최고재무책임자인 Michael M. Mettee가 후임자로서 서명했습니다.

이 수정서는 SSBK의 독립 자본 조달 권한이 종료되었음을 확인하는 행정 절차이며, 두 선반과 관련된 모든 공시 의무가 등록말소를 통해 충족되었음을 의미합니다.

Southern States Bancshares, Inc. (SSBK) a déposé un amendement post-effectif n°1 à deux déclarations d’enregistrement sur étagère Formulaire S-3 uniquement afin de radier les titres invendus suite à sa fusion avec FB Financial Corporation (FBK) le 2 juillet 2025.

Les deux étagères concernées couvraient initialement (1) jusqu’à 150 millions de dollars de titres mixtes et (2) 250 000 actions ordinaires pour le Plan de réinvestissement des dividendes et d’achat d’actions ordinaires. Étant donné que SSBK a cessé d’exister en tant qu’émetteur distinct à la clôture, tous les titres précédemment enregistrés mais non émis ou invendus sont retirés de l’enregistrement conformément à l’engagement contenu dans chaque formulaire S-3.

Détails clés

  • Achèvement de la fusion : SSBK a fusionné avec FBK le 2 juillet 2025 conformément à l’accord de fusion du 31 mars 2025, FBK étant la société survivante.
  • Type de dépôt : POS AM (amendement post-effectif) en vertu de la section du Securities Act pour la radiation ; aucun nouveau titre n’est offert.
  • Impact sur la structure du capital : Cette action supprime la possibilité d’émettre les montants restants sur l’étagère, évitant ainsi une dilution supplémentaire sous l’ancien symbole SSBK.
  • Statut du déposant : Classé comme accelerated filer, smaller reporting company et emerging growth company avant la fusion.
  • Signataire : -s- Michael M. Mettee, directeur financier de FB Financial Corporation, agissant en tant que successeur d’intérêt.

L’amendement constitue une étape administrative confirmant que l’autorité autonome de SSBK pour lever des capitaux est terminée et que toutes les obligations de divulgation liées aux deux étagères sont satisfaites par la radiation.

Southern States Bancshares, Inc. (SSBK) hat eine Post-Effective Amendment Nr. 1 zu zwei Form S-3 Shelf-Registrierungen eingereicht, um unverkaufte Wertpapiere nach der Fusion mit FB Financial Corporation (FBK) am 2. Juli 2025 abzumelden.

Die beiden betroffenen Shelf-Registrierungen deckten ursprünglich (1) bis zu 150 Millionen US-Dollar gemischte Wertpapiere und (2) 250.000 Stammaktien für den Dividenden-Reinvestitions- und Aktienkaufplan ab. Da SSBK zum Zeitpunkt des Abschlusses nicht mehr als eigenständiger Emittent existierte, werden alle zuvor registrierten, aber nicht ausgegebenen oder nicht verkauften Wertpapiere gemäß der Verpflichtung in jedem S-3 aus der Registrierung entfernt.

Wichtige Details

  • Abschluss der Fusion: SSBK fusionierte am 2. Juli 2025 gemäß dem Fusionsvertrag vom 31. März 2025 mit FBK, wobei FBK die überlebende Gesellschaft ist.
  • Art der Einreichung: POS AM (Post-Effective Amendment) gemäß dem Securities Act zur Abmeldung; es werden keine neuen Wertpapiere angeboten.
  • Auswirkung auf die Kapitalstruktur: Die Maßnahme beseitigt die Möglichkeit, die verbleibenden Shelf-Mengen auszugeben, und verhindert so eine weitere Verwässerung unter dem früheren SSBK-Ticker.
  • Status des Registranten: Vor der Fusion als Accelerated Filer, Smaller Reporting Company und Emerging Growth Company eingestuft.
  • Unterzeichner: -s- Michael M. Mettee, Chief Financial Officer von FB Financial Corporation, als Rechtsnachfolger.

Die Änderung ist ein administrativer Schritt, der bestätigt, dass die eigenständige Kapitalaufnahmebefugnis von SSBK beendet ist und alle Offenlegungspflichten im Zusammenhang mit den beiden Shelf-Registrierungen durch die Abmeldung erfüllt sind.

Positive
  • Completion of merger with FB Financial Corporation effective 2 July 2025 is confirmed, eliminating deal-completion risk.
  • Deregistration of $150 million shelf and 250 k-share DRIP removes potential dilution under the former SSBK ticker and finalizes post-merger cleanup.
Negative
  • None.

Insights

TL;DR – Merger consummation confirmed; deregistration is a routine post-closing housekeeping step with negligible standalone valuation impact.

This filing formally removes SSBK’s unused $150 million universal shelf and 250 k-share DRIP plan because the company no longer exists post-merger with FBK. Investors had already priced in the transaction at announcement; today’s document merely cleans up the SEC record. By preventing any residual issuance under the defunct shelves, it removes theoretical dilution but also cancels a capital-raising option that has become moot. Overall, it is a neutral-to-slightly-positive administrative action that closes out merger mechanics without altering FBK’s capital structure or earnings trajectory.

TL;DR – Filing is procedural; does not change FBK’s forward fundamentals.

No financial results or forecasts are provided. The key takeaway is confirmation that SSBK’s merger into FBK is effective and that no additional SSBK securities can be issued. Investors should focus on FBK’s forthcoming combined financial statements for any performance insights. The deregistration does not affect FBK’s existing shelf capacity or capital ratios and thus carries neutral impact on valuation.

Southern States Bancshares, Inc. (SSBK) ha presentato l'Emendamento Post-Esecutivo n. 1 a due registrazioni a scaffale Form S-3 esclusivamente per cancellare la registrazione dei titoli invenduti a seguito della sua fusione con FB Financial Corporation (FBK) il 2 luglio 2025.

I due scaffali interessati coprivano originariamente (1) fino a 150 milioni di dollari di titoli misti e (2) 250.000 azioni ordinarie per il Piano di reinvestimento dei dividendi e acquisto azioni ordinarie. Poiché SSBK ha cessato di esistere come emittente separata al momento della chiusura, tutti i titoli precedentemente registrati ma non emessi o invenduti vengono rimossi dalla registrazione in conformità con l'impegno contenuto in ciascun modulo S-3.

Dettagli chiave

  • Completamento fusione: SSBK si è fusa in FBK il 2 luglio 2025 secondo l'accordo di fusione del 31 marzo 2025, con FBK come società sopravvissuta.
  • Tipo di deposito: POS AM (emendamento post-esecutivo) ai sensi della sezione del Securities Act per la cancellazione della registrazione; non vengono offerti nuovi titoli.
  • Impatto sulla struttura del capitale: L'azione elimina la possibilità di emettere le quantità residue a scaffale, evitando così ulteriori diluizioni sotto il precedente ticker SSBK.
  • Status del registrante: Segnalato come accelerated filer, smaller reporting company e emerging growth company prima della fusione.
  • Firmatario: -s- Michael M. Mettee, Chief Financial Officer di FB Financial Corporation, in qualità di successore di interesse.

L'emendamento è un passaggio amministrativo che conferma la fine dell'autorità di raccolta capitale autonoma di SSBK e che tutti gli obblighi di divulgazione relativi ai due scaffali sono soddisfatti tramite la cancellazione della registrazione.

Southern States Bancshares, Inc. (SSBK) ha presentado la Enmienda Post-Efectiva No. 1 a dos declaraciones de registro en estantería Formulario S-3 únicamente para cancelar la inscripción de valores no vendidos tras su fusión con FB Financial Corporation (FBK) el 2 de julio de 2025.

Las dos estanterías afectadas originalmente cubrían (1) hasta 150 millones de dólares en valores mixtos y (2) 250,000 acciones comunes para el Plan de Reinvención de Dividendos y Compra de Acciones Comunes. Debido a que SSBK dejó de existir como emisor separado al cierre, todos los valores previamente registrados pero no emitidos o no vendidos se están eliminando de la inscripción conforme al compromiso contenido en cada S-3.

Detalles clave

  • Finalización de la fusión: SSBK se fusionó con FBK el 2 de julio de 2025 bajo el acuerdo de fusión del 31 de marzo de 2025, siendo FBK la corporación sobreviviente.
  • Tipo de presentación: POS AM (enmienda post-efectiva) bajo la sección del Securities Act para la cancelación de inscripción; no se ofrecen nuevos valores.
  • Impacto en la estructura de capital: La acción elimina la capacidad de emitir los montos restantes de la estantería, evitando así una mayor dilución bajo el antiguo ticker SSBK.
  • Estado del registrante: Clasificado como accelerated filer, smaller reporting company y emerging growth company antes de la fusión.
  • Firmante: -s- Michael M. Mettee, Director Financiero de FB Financial Corporation, actuando como sucesor en interés.

La enmienda es un paso administrativo que confirma que la autoridad autónoma de SSBK para recaudar capital ha terminado y que todas las obligaciones de divulgación vinculadas a las dos estanterías se satisfacen mediante la cancelación de la inscripción.

Southern States Bancshares, Inc.(SSBK)는 2025년 7월 2일 FB Financial Corporation(FBK)과의 합병에 따라 미매각 증권의 등록말소를 위해 두 건의 Form S-3 선반 등록서류에 대한 사후효력 수정서 1호를 제출했습니다.

해당 두 선반은 원래 (1) 최대 1억 5천만 달러의 혼합 증권과 (2) 배당 재투자 및 보통주 매입 계획을 위한 25만 주의 보통주를 포함했습니다. SSBK가 종결 시 별도 발행주체로서 존재하지 않게 되었으므로, 이전에 등록되었지만 발행되지 않았거나 미판매된 모든 증권은 각 S-3에 명시된 약속에 따라 등록에서 제거됩니다.

주요 내용

  • 합병 완료: SSBK는 2025년 3월 31일 합병계약에 따라 2025년 7월 2일 FBK에 합병되었으며, FBK가 존속 법인입니다.
  • 서류 유형: 증권법 관련 등록말소를 위한 사후효력 수정서(POS AM); 신규 증권 발행은 없습니다.
  • 자본 구조 영향: 남은 선반 금액 발행 권한이 제거되어 이전 SSBK 티커 하에서 추가 희석을 방지합니다.
  • 등록자 상태: 합병 전 가속 신고자(accelerated filer), 소규모 보고 회사(smaller reporting company), 신흥 성장 회사(emerging growth company)로 분류되었습니다.
  • 서명자: FB Financial Corporation의 최고재무책임자인 Michael M. Mettee가 후임자로서 서명했습니다.

이 수정서는 SSBK의 독립 자본 조달 권한이 종료되었음을 확인하는 행정 절차이며, 두 선반과 관련된 모든 공시 의무가 등록말소를 통해 충족되었음을 의미합니다.

Southern States Bancshares, Inc. (SSBK) a déposé un amendement post-effectif n°1 à deux déclarations d’enregistrement sur étagère Formulaire S-3 uniquement afin de radier les titres invendus suite à sa fusion avec FB Financial Corporation (FBK) le 2 juillet 2025.

Les deux étagères concernées couvraient initialement (1) jusqu’à 150 millions de dollars de titres mixtes et (2) 250 000 actions ordinaires pour le Plan de réinvestissement des dividendes et d’achat d’actions ordinaires. Étant donné que SSBK a cessé d’exister en tant qu’émetteur distinct à la clôture, tous les titres précédemment enregistrés mais non émis ou invendus sont retirés de l’enregistrement conformément à l’engagement contenu dans chaque formulaire S-3.

Détails clés

  • Achèvement de la fusion : SSBK a fusionné avec FBK le 2 juillet 2025 conformément à l’accord de fusion du 31 mars 2025, FBK étant la société survivante.
  • Type de dépôt : POS AM (amendement post-effectif) en vertu de la section du Securities Act pour la radiation ; aucun nouveau titre n’est offert.
  • Impact sur la structure du capital : Cette action supprime la possibilité d’émettre les montants restants sur l’étagère, évitant ainsi une dilution supplémentaire sous l’ancien symbole SSBK.
  • Statut du déposant : Classé comme accelerated filer, smaller reporting company et emerging growth company avant la fusion.
  • Signataire : -s- Michael M. Mettee, directeur financier de FB Financial Corporation, agissant en tant que successeur d’intérêt.

L’amendement constitue une étape administrative confirmant que l’autorité autonome de SSBK pour lever des capitaux est terminée et que toutes les obligations de divulgation liées aux deux étagères sont satisfaites par la radiation.

Southern States Bancshares, Inc. (SSBK) hat eine Post-Effective Amendment Nr. 1 zu zwei Form S-3 Shelf-Registrierungen eingereicht, um unverkaufte Wertpapiere nach der Fusion mit FB Financial Corporation (FBK) am 2. Juli 2025 abzumelden.

Die beiden betroffenen Shelf-Registrierungen deckten ursprünglich (1) bis zu 150 Millionen US-Dollar gemischte Wertpapiere und (2) 250.000 Stammaktien für den Dividenden-Reinvestitions- und Aktienkaufplan ab. Da SSBK zum Zeitpunkt des Abschlusses nicht mehr als eigenständiger Emittent existierte, werden alle zuvor registrierten, aber nicht ausgegebenen oder nicht verkauften Wertpapiere gemäß der Verpflichtung in jedem S-3 aus der Registrierung entfernt.

Wichtige Details

  • Abschluss der Fusion: SSBK fusionierte am 2. Juli 2025 gemäß dem Fusionsvertrag vom 31. März 2025 mit FBK, wobei FBK die überlebende Gesellschaft ist.
  • Art der Einreichung: POS AM (Post-Effective Amendment) gemäß dem Securities Act zur Abmeldung; es werden keine neuen Wertpapiere angeboten.
  • Auswirkung auf die Kapitalstruktur: Die Maßnahme beseitigt die Möglichkeit, die verbleibenden Shelf-Mengen auszugeben, und verhindert so eine weitere Verwässerung unter dem früheren SSBK-Ticker.
  • Status des Registranten: Vor der Fusion als Accelerated Filer, Smaller Reporting Company und Emerging Growth Company eingestuft.
  • Unterzeichner: -s- Michael M. Mettee, Chief Financial Officer von FB Financial Corporation, als Rechtsnachfolger.

Die Änderung ist ein administrativer Schritt, der bestätigt, dass die eigenständige Kapitalaufnahmebefugnis von SSBK beendet ist und alle Offenlegungspflichten im Zusammenhang mit den beiden Shelf-Registrierungen durch die Abmeldung erfüllt sind.


As filed with the Securities and Exchange Commission on July 2, 2025
Registration Nos. 333-267772       
333-269180    
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM S-3
POST EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT NO. 333-267772
POST EFFECTIVE AMENDMENT NO. 1 to REGISTRATION STATEMENT NO. 333-269180
UNDER
THE SECURITIES ACT OF 1933

Southern States Bancshares, Inc.
(Exact name of registrant as specified in its charter)

Alabama26-2518085
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification Number)
615 Quintard Ave.
Anniston, AL 36201
(256) 241-1092
(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)
Christopher T. Holmes
President and Chief Executive Officer
FB Financial Corporation
As successor by merger to Southern States Bancshares, Inc.
1221 Broadway, Suite 1300
Nashville, Tennessee 37203
(615) 564-1212
(Name, address, including zip code, and telephone number, including area code, of agent for service)

Copies to:

Mark C. Kanaly
William W. Hooper
Alston & Bird LLP
One Atlantic Center
1201 West Peachtree Street NE
Atlanta, Georgia 30305
(404) 881-7000


Approximate date of commencement of proposed sale to the public: Not applicable. Removal from registration of securities that were not sold pursuant to the above referenced registration statement.

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box.

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box.

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.

If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box.




If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box.

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filerAccelerated filer
Non-accelerated filerSmaller reporting company
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 7(a)(2)(B) of the Securities Act.






















































EXPLANATORY NOTE
DEREGISTRATION OF SECURITIES

This Post-Effective Amendment No. 1 relates to each of the following Registration Statements on Form S-3 (each, a “Registration Statement” and collectively, the “Registration Statements”), filed with the Securities and Exchange Commission by Southern States Bancshares, Inc. (the “Registrant”):

Registration Statement on Form S-3, File No. 333-267772, filed on October 7, 2022, registering the issuance from time to time of up to $150,000,000 of common stock, preferred stock, depositary shares, debt securities, warrants and units of the Registrant; and

Registration Statement on Form S-3, File No. 333-269180, filed on January 11, 2023, registering the issuance of up to 250,000 shares of common stock, par value $5.00 per share, pursuant to the Registrant’s Dividend Reinvestment and Common Stock Purchase Plan.

On July 2, 2025, pursuant to the Agreement and Plan of Merger, dated as of March 31, 2025, by and between the Registrant and FB Financial Corporation, the Registrant merged with and into FB Financial Corporation, with FB Financial Corporation as the surviving corporation (the “Merger”).

In connection with the Merger, the Registrant is terminating all offers and sales of its securities registered pursuant to its existing registration statements under the Securities Act of 1933, as amended, including the Registration Statements. Accordingly, pursuant to the undertaking contained in the Registration Statements to remove from registration by means of a post-effective amendment any of the securities that remain unsold or unissued at the termination of the offering, the Registrant hereby amends each Registration Statement by deregistering all shares that remain unsold or unissued under such Registration Statements.


































SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, Southern States Bancshares, Inc. certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this Post-Effective Amendment No. 1 to each of the Registration Statements to be signed on its behalf by the undersigned, thereunto duly authorized, in the city of Nashville, State of Tennessee, on July 2, 2025.

FB FINANCIAL CORPORATION
as successor-in-interest to Southern States Bancshares, Inc.
By: /s/ Michael M. Mettee
Name: Michael M. Mettee
Title: Chief Financial Officer (Principal Financial Officer)


No other person is required to sign this Post-Effective Amendment No. 1 to the Registration Statement on Form S-3 in reliance upon Rule 478 of the Securities Act.

FAQ

What happened to Southern States Bancshares (SSBK) after the July 2025 filing?

SSBK merged into FB Financial Corporation on 2 July 2025 and ceased to exist as a separate entity.

How many securities were deregistered in the POS AM?

Up to $150 million of mixed securities and 250,000 common shares under the DRIP plan were removed from registration.

Does the deregistration affect FB Financial’s current shelf capacity?

No. The filing only cancels SSBK’s unused shelves; FB Financial’s own registration statements remain unaffected.

Is any new capital being raised in this filing?

No. The POS AM is purely administrative and registers no new securities.

Why is no signature from other officers required?

Under Rule 478, only one authorized signatory is needed for post-effective amendments of this nature.
Southern States Bancshares, Inc.

NASDAQ:SSBK

SSBK Rankings

SSBK Latest News

SSBK Latest SEC Filings

SSBK Stock Data

352.03M
8.57M
15.18%
56.2%
0.43%
Banks - Regional
State Commercial Banks
Link
United States
ANNISTON