For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Mortgage banking income, investment services and trust income, service charges on deposit accounts, atm and interchange fees-Mortgage Banking | 52,444 | - | ||
| Mortgage banking income, investment services and trust income, service charges on deposit accounts, atm and interchange fees-Investment Advisory Management And Administrative Service | 16,333 | - | ||
| Mortgage banking income, investment services and trust income, service charges on deposit accounts, atm and interchange fees-Deposit Account | 15,104 | - | ||
| Mortgage banking income, investment services and trust income, service charges on deposit accounts, atm and interchange fees-Debit Card | 12,089 | - | ||
| Loss from investment securities, net | -60,457 | -56,378 | ||
| Mortgage banking income, service charges on deposit accounts, investment services and trust income, atm and interchange fees | - | 85,524 | ||
| Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net | -1,166 | -2,167 | ||
| Other income | 9,563 | 12,091 | ||
| Total noninterest income | 43,910 | 39,070 | ||
| Interest and fees on loans | 731,923 | 626,402 | ||
| Taxable | 57,907 | 50,057 | ||
| Tax-exempt | 4,185 | 4,749 | ||
| Other | 39,911 | 44,330 | ||
| Total interest income | 833,926 | 725,538 | ||
| Deposits | 309,207 | 296,345 | ||
| Borrowings | 8,619 | 12,690 | ||
| Total interest expense | 317,826 | 309,035 | ||
| Net interest income | 516,100 | 416,503 | ||
| Provision for credit losses on loans hfi | 33,189 | 14,667 | ||
| Provision for (reversal of) credit losses on unfunded commitments | 10,089 | -2,663 | ||
| Net interest income after provision for credit losses | 472,822 | 404,499 | ||
| Salaries, commissions and employee benefits | 217,721 | 183,813 | ||
| Occupancy and equipment expense | 28,085 | 26,250 | ||
| Merger and integration costs | 23,803 | - | ||
| Data processing | 9,740 | 9,642 | ||
| Advertising | 9,582 | 7,007 | ||
| Legal and professional fees | 8,148 | 7,679 | ||
| Amortization of core deposit and other intangibles | 5,298 | 2,947 | ||
| Other expense | 75,837 | 59,561 | ||
| Total noninterest expense | 378,214 | 296,899 | ||
| Income before income taxes | 138,518 | 146,670 | ||
| Income tax expense | 15,880 | 30,619 | ||
| Net income applicable to fb financial corporation and noncontrolling interest | 122,638 | 116,051 | ||
| Net income applicable to noncontrolling interest | 16 | 16 | ||
| Net income applicable to fb financial corporation | 122,622 | 116,035 | ||
| Basic EPS | 2.47 | 2.48 | ||
| Diluted EPS | 2.45 | 2.48 | ||
| Basic Average Shares | 49,744,804 | 46,737,217 | ||
| Diluted Average Shares | 50,070,121 | 46,872,625 | ||
FB Financial Corp (FBK)
FB Financial Corp (FBK)