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Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest income:        
Interest and fees on loans $ 209,307 $ 158,625 $ 522,189 $ 469,610
Interest on investment securities        
Taxable 14,395 13,943 43,527 35,014
Tax-exempt 1,058 1,104 3,127 3,714
Other 12,138 11,956 29,845 30,831
Total interest income 236,898 185,628 598,688 539,169
Interest expense:        
Deposits 86,577 76,088 225,394 220,214
Borrowings 3,081 3,523 6,998 10,833
Total interest expense 89,658 79,611 232,392 231,047
Net interest income 147,240 106,017 366,296 308,122
Provision for credit losses on loans HFI 29,957 1,856 30,761 7,648
Provision for (reversal of) credit losses on unfunded commitments 4,460 58 11,285 (2,728)
Net interest income after provision for credit losses 112,823 104,103 324,250 303,202
Noninterest income:        
Gain (loss) from investment securities, net 12 (40,165) (60,521) (56,378)
Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net (646) (289) (1,035) (5)
Other income 2,121 2,465 6,009 8,786
Total noninterest income (loss) 26,635 (16,497) 15,115 17,073
Noninterest expenses:        
Salaries, commissions and employee benefits 59,210 47,538 154,192 138,381
Merger and integration costs 16,057 0 19,192 0
Occupancy and equipment expense 7,539 6,640 20,846 19,582
Data processing 2,457 2,486 6,931 7,180
Advertising 2,453 1,947 7,118 4,977
Amortization of core deposit and other intangibles 2,079 719 3,366 2,260
Legal and professional fees 1,227 1,900 5,645 5,798
Other expense 18,834 14,982 53,376 45,547
Total noninterest expense 109,856 76,212 270,666 223,725
Income before income taxes 29,602 11,394 68,699 96,550
Income tax expense 6,227 1,174 3,046 18,393
Net income applicable to FB Financial Corporation and noncontrolling interest 23,375 10,220 65,653 78,157
Net income applicable to noncontrolling interest 0 0 8 8
Net income applicable to FB Financial Corporation $ 23,375 $ 10,220 $ 65,645 $ 78,149
Earnings per common share:        
Basic (in dollars per share) $ 0.44 $ 0.22 $ 1.35 $ 1.67
Diluted (in dollars per share) $ 0.43 $ 0.22 $ 1.34 $ 1.67
Mortgage banking income        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees $ 13,484 $ 11,553 $ 38,939 $ 36,048
Investment services and trust income        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees 4,227 3,721 11,860 10,338
Service charges on deposit accounts        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees 4,049 3,378 10,920 9,686
ATM and interchange fees        
Noninterest income:        
Mortgage banking income, investment services and trust income, service charges on deposit accounts, ATM and interchange fees $ 3,388 $ 2,840 $ 8,943 $ 8,598