FB Financial Corp (FBK) Form 8-K — Oct 13, 2026
FB Financial Corporation (NYSE: FBK) reported Q3 2026 net income of $60.2 million, or $1.20 per diluted share, up from $1.13 in the prior quarter and $0.43 a year ago. Adjusted net income was $60.9 million, or $1.21 per diluted share, versus $1.14 last quarter. The balance sheet grew strongly: loans held for investment reached $13.18 billion (9.68% annualized growth), and total deposits hit $14.67 billion (8.82% annualized growth, with client deposits up 11.0% annualized). Net interest margin compressed to 3.83% from 3.95%, reflecting higher funding costs.
Key figures
- Eps
- 1.2
- Revenue
- 174486000
- Net Income
- 60202000
- Total Debt
- 265390000
- Total Assets
- 17093991000
- Cash Position
- 1017689000
- Roaa
- 1.43%
- Loans hfi
- 13179564000
- Npl ratio
- 1.18%
- Cet1 ratio
- 11.0%
- Acl coverage
- 1.47%
- Total deposits
- 14665996000
- Adjusted roatce
- 15.7%
- Efficiency ratio
- 55.0%
- Shares repurchased
- 545,214 shares ($29.3 million)
- Adjusted net income
- 60937000
- Net interest margin
- 3.83%
- Adjusted diluted eps
- 1.21
- Book value per share
- 39.11
- Net charge off ratio
- 0.04%
- Year ago diluted eps
- 0.43
- Annualized loan growth
- 9.68%
- Annualized deposit growth
- 8.82%
- Prior quarter diluted eps
- 1.13
- Subordinated debt issuance
- $125.0 million at 180 bps over 5-year Treasury
- Tangible book value per share
- 31.5
- Total risk based capital ratio
- 13.6%
- Annualized client deposit growth
- 11.0%
AI analysis
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