FB Financial Corporation Reports Fourth Quarter 2025 Financial Results
Reports Q4 Diluted EPS of
For the year ended
The Company ended the fourth quarter of 2025 with loans held for investment (“HFI”) of
President and Chief Executive Officer,
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Annualized |
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(dollars in thousands, except share data) |
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Balance Sheet Highlights |
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Investment securities, at fair value |
|
$ |
1,459,734 |
|
|
$ |
1,428,401 |
|
|
$ |
1,538,008 |
|
|
8.70 |
% |
|
(5.09 |
)% |
|
Loans held for sale |
|
|
201,076 |
|
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|
167,449 |
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|
126,760 |
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79.7 |
% |
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58.6 |
% |
|
Loans HFI |
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12,383,626 |
|
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12,297,600 |
|
|
|
9,602,384 |
|
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2.78 |
% |
|
29.0 |
% |
|
Allowance for credit losses on loans HFI |
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(185,983 |
) |
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(184,993 |
) |
|
|
(151,942 |
) |
|
2.12 |
% |
|
22.4 |
% |
|
Total assets |
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16,300,292 |
|
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|
16,236,459 |
|
|
|
13,157,482 |
|
|
1.56 |
% |
|
23.9 |
% |
|
Interest-bearing deposits (non-brokered) |
|
|
10,649,932 |
|
|
|
10,634,555 |
|
|
|
8,625,113 |
|
|
0.57 |
% |
|
23.5 |
% |
|
Brokered deposits |
|
|
625,634 |
|
|
|
487,765 |
|
|
|
469,089 |
|
|
112.1 |
% |
|
33.4 |
% |
|
Noninterest-bearing deposits |
|
|
2,634,395 |
|
|
|
2,690,635 |
|
|
|
2,116,232 |
|
|
(8.29 |
)% |
|
24.5 |
% |
|
Total deposits |
|
|
13,909,961 |
|
|
|
13,812,955 |
|
|
|
11,210,434 |
|
|
2.79 |
% |
|
24.1 |
% |
|
Borrowings |
|
|
212,764 |
|
|
|
213,638 |
|
|
|
176,789 |
|
|
(1.62 |
)% |
|
20.3 |
% |
|
Allowance for credit losses on unfunded Commitments |
|
|
16,196 |
|
|
|
17,392 |
|
|
|
6,107 |
|
|
(27.3 |
)% |
|
165.2 |
% |
|
Total common shareholders’ equity |
|
|
1,948,165 |
|
|
|
1,978,043 |
|
|
|
1,567,538 |
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|
(5.99 |
)% |
|
24.3 |
% |
|
Book value per common share |
|
$ |
37.64 |
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$ |
37.00 |
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|
$ |
33.59 |
|
|
6.86 |
% |
|
12.1 |
% |
|
Tangible book value per common share* |
|
$ |
30.27 |
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|
$ |
29.83 |
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|
$ |
28.27 |
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|
5.85 |
% |
|
7.07 |
% |
|
Total common shareholders’ equity to total assets |
|
|
12.0 |
% |
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12.2 |
% |
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|
11.9 |
% |
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Tangible common equity to tangible assets* |
|
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9.84 |
% |
|
|
10.1 |
% |
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|
10.2 |
% |
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*Non-GAAP financial measure; A reconciliation of non-GAAP measures to the most directly comparable GAAP measure is included in the Company’s Fourth Quarter 2025 Financial Supplement. |
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Three Months Ended |
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(dollars in thousands, except share data) |
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Statement of Income Highlights |
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Net interest income |
|
$ |
149,804 |
|
|
$ |
147,240 |
|
|
$ |
108,381 |
|
|
NIM |
|
|
3.98 |
% |
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3.95 |
% |
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|
3.50 |
% |
|
Noninterest income |
|
$ |
28,795 |
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|
$ |
26,635 |
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|
$ |
21,997 |
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|
Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net |
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$ |
(131 |
) |
|
$ |
(646 |
) |
|
$ |
(2,162 |
) |
|
Cash life insurance benefit |
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$ |
1,148 |
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|
$ |
— |
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$ |
— |
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Total revenue |
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$ |
178,599 |
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$ |
173,875 |
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$ |
130,378 |
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Noninterest expense |
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$ |
107,548 |
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$ |
109,856 |
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$ |
73,174 |
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Early retirement and severance costs |
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$ |
1,395 |
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|
$ |
— |
|
|
$ |
463 |
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|
Loss on lease terminations and other branch closure costs |
|
$ |
12 |
|
|
$ |
270 |
|
|
$ |
— |
|
|
Certain nonrecurring charitable contributions |
|
$ |
1,130 |
|
|
$ |
— |
|
|
$ |
— |
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|
Merger and integration costs |
|
$ |
4,611 |
|
|
$ |
16,057 |
|
|
$ |
— |
|
|
Efficiency ratio |
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60.2 |
% |
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63.2 |
% |
|
|
56.1 |
% |
|
Adjusted efficiency ratio* |
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|
56.3 |
% |
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|
53.3 |
% |
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|
54.6 |
% |
|
Pre-tax, pre-provision net revenue |
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$ |
71,051 |
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$ |
64,019 |
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$ |
57,204 |
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Adjusted pre-tax, pre-provision net revenue* |
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$ |
77,118 |
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$ |
80,980 |
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$ |
59,829 |
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Provisions for credit losses |
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$ |
1,232 |
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$ |
34,417 |
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$ |
7,084 |
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Net charge-offs ratio |
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0.05 |
% |
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|
0.05 |
% |
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|
0.47 |
% |
|
Net income applicable to |
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$ |
56,977 |
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$ |
23,375 |
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$ |
37,886 |
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Diluted earnings per common share |
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$ |
1.07 |
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$ |
0.43 |
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$ |
0.81 |
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Effective tax rate |
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18.4 |
% |
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21.0 |
% |
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|
24.4 |
% |
|
Adjusted net income* |
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$ |
61,494 |
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$ |
57,606 |
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$ |
39,835 |
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Adjusted diluted earnings per common share* |
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$ |
1.16 |
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$ |
1.07 |
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$ |
0.85 |
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Weighted average number of shares outstanding - fully diluted |
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53,074,753 |
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53,957,062 |
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46,862,935 |
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Returns on average: |
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Return on average total assets (“ROAA”) |
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1.40 |
% |
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|
0.58 |
% |
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|
1.14 |
% |
|
Adjusted* |
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|
1.51 |
% |
|
|
1.43 |
% |
|
|
1.20 |
% |
|
Return on average shareholders’ equity |
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|
11.6 |
% |
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|
4.69 |
% |
|
|
9.63 |
% |
|
Return on average tangible common equity (“ROATCE”)* |
|
|
14.4 |
% |
|
|
5.82 |
% |
|
|
11.5 |
% |
|
Adjusted* |
|
|
15.9 |
% |
|
|
14.7 |
% |
|
|
12.2 |
% |
|
*Non-GAAP financial measure; A reconciliation of non-GAAP measures to the most directly comparable GAAP measure is included in the Company’s Fourth Quarter 2025 Financial Supplement. |
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Balance Sheet and Net Interest Margin
The Company reported loans HFI of
The Company reported total deposits of
The Company reported net interest income on a tax-equivalent basis of
The contractual yield on loans HFI decreased to 6.34% from 6.45% in the third quarter of 2025 and the cost of interest-bearing deposits decreased to 2.99% from 3.16% in the previous quarter.
Holmes continued, “Our balance sheet delivered modest loan growth in the fourth quarter as several large credits paid down late in the year and others in our pipeline shifted into 2026. For deposits, we remain focused on growing core banking deposits while intentionally reducing non-core funds, building a more durable and valuable funding base. Net interest income on a tax-equivalent basis was a standout, surpassing
Noninterest Income
Adjusted noninterest income* was
Mortgage banking income was
Noninterest Expense
Adjusted noninterest expense* during the fourth quarter of 2025 was
Chief Financial Officer
Credit Quality
In the fourth quarter, the Company recorded provision expense of
The Company had net charge-offs of
The Company’s nonperforming loans HFI as a percentage of total loans HFI increased to 0.97% as of the end of the fourth quarter of 2025, compared to 0.94% in the prior quarter and 0.87% in the fourth quarter of 2024. Nonperforming assets as a percentage of total assets increased to 0.97% as of the end of the fourth quarter of 2025, compared to 0.89% at the end of the prior quarter and 0.93% as of the end of the fourth quarter of 2024.
Holmes commented, “Charge-offs held steady at a very low level through the quarter and nonperforming assets were also relatively stable. Our allowance remains healthy, and our overall credit outlook continues to be stable with the Company well-positioned moving into 2026.”
Capital
The Company maintained its strong capital position in the fourth quarter, resulting in a preliminary total risk-based capital ratio of 13.2%, preliminary common equity tier 1 ratio of 11.4% and tangible common equity to tangible assets ratio* of 9.84%. The Company repurchased 1,717,948 shares during the quarter.
Holmes continued, “We repurchased approximately 3% of our outstanding common shares during the quarter while maintaining a strong tangible common equity to tangible assets ratio of almost 10%. Our focus remains on optimizing capital utilization, and we will maintain conservative levels of capital as we seek the right opportunities to drive long-term value.”
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*Non-GAAP financial measure; A reconciliation of non-GAAP measures to the most directly comparable GAAP measure is included in the Company’s Fourth Quarter 2025 Financial Supplement. |
Summary
Holmes finalized, “We closed the year, with the Company celebrating successes of 2025, but even more excited about 2026. I’m incredibly proud of the team for executing on a strategic combination, driving a successful share repurchase, restructuring the balance sheet, and attracting key talent. These deliberate actions weren’t just about finishing strong; they were about building a foundation for sustainable growth. We enter 2026 with momentum, flexibility and confidence, ready to capitalize on opportunities and deliver long-term value for our shareholders, clients and communities.”
WEBCAST AND CONFERENCE CALL INFORMATION
A live online broadcast of the Company’s quarterly conference call will be available online at https://event.choruscall.com/mediaframe/webcast.html?webcastid=ofk8Kn9Q. An online replay will be available on the Company’s website approximately two hours after the conclusion of the call and will remain available for 12 months.
ABOUT
SUPPLEMENTAL FINANCIAL INFORMATION AND EARNINGS PRESENTATION
Investors are encouraged to review this Earnings Release in conjunction with the Fourth Quarter 2025 Financial Supplement and Earnings Presentation posted on the Company’s website, which can be found at https://investors.firstbankonline.com. This Earnings Release, the Fourth Quarter 2025 Financial Supplement and the Earnings Presentation are also included with a Current Report on Form 8-K that the Company furnished to the
FORWARD-LOOKING STATEMENTS
Certain statements contained in this Earnings Release that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements regarding the Company’s future plans, results, strategies, and expectations, including expectations around changing economic markets. These statements can generally be identified by the use of the words and phrases “may,” “will,” “should,” “could,” “would,” “goal,” “plan,” “potential,” “estimate,” “project,” “believe,” “intend,” “anticipate,” “expect,” “target,” “aim,” “predict,” “continue,” “seek,” and other variations of such words and phrases and similar expressions. These forward-looking statements are not historical facts, and are based upon management’s current expectations, estimates, and projections, many of which, by their nature, are inherently uncertain and beyond the Company’s control. The inclusion of these forward-looking statements should not be regarded as a representation by the Company or any other person that such expectations, estimates, and projections will be achieved. Accordingly, the Company cautions shareholders and investors that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict. Actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements including, without limitation, (1) current and future economic conditions, including the effects of inflation, interest rate fluctuations, changes in the economy or global supply chain, supply-demand imbalances affecting local real estate prices, and high unemployment rates in the local or regional economies in which the Company operates and/or the US economy generally, (2) changes or the lack of changes in government interest rate policies and the associated impact on the Company’s business, net interest margin, and mortgage operations, (3) increased competition for deposits, (4) changes in the quality or composition of the Company’s loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or the impact of interest rates on the value of our investment securities portfolio, (5) any deterioration in commercial real estate market fundamentals, (6) the Company’s ability to identify potential candidates for, consummate, and achieve synergies from acquisitions, including risks that cost savings and other synergies from completed or future mergers may not be realized (or may be less than or delayed from expectations), challenges in integrating acquired businesses, disruptions to customer, employee, or other relationships, diversion of management attention, and the ability to effectively manage larger or more complex operations post-transaction; (7) the Company’s ability to manage any unexpected outflows of uninsured deposits and avoid selling investment securities or other assets at an unfavorable time or at a loss, (8) the Company’s ability to successfully execute its various business strategies, (9) changes in state and federal legislation, regulations or policies applicable to banks and other financial service providers, including legislative developments, (10) the effectiveness of the Company’s controls and procedures to detect, prevent, mitigate and otherwise manage the risk of fraud or misconduct by internal or external parties, including attempted physical-security and cybersecurity attacks, denial-of-service attacks, hacking, phishing, social-engineering attacks, malware intrusion, data-corruption attempts, system breaches, identity theft, ransomware attacks, environmental conditions, and intentional acts of destruction, (11) the Company’s dependence on information technology systems of third party service providers and the risk of systems failures, interruptions, or breaches of security, (12) the impact, extent and timing of technological changes, (13) concentrations of credit or deposit exposure, (14) the impact of natural disasters, pandemics, acts of war or terrorism, or other catastrophic events, (15) events giving rise to international or regional political instability, including the broader impacts of such events on financial markets and/or global macroeconomic environments, and/or (16) general competitive, economic, political, and market conditions. Further information regarding the Company and factors which could affect the forward-looking statements contained herein can be found in the Company’s Annual Report on Form 10-K for the fiscal year ended
The Company qualifies all forward-looking statements by these cautionary statements.
GAAP RECONCILIATION AND USE OF NON-GAAP FINANCIAL MEASURES
This Earnings Release contains certain financial measures that are not measures recognized under
The Company’s management uses these non-GAAP financial measures in their analysis of the Company’s performance, financial condition and the efficiency of its operations as management believes such measures facilitate period-to-period comparisons and provide meaningful indications of its operating performance as they eliminate both gains and charges that management views as non-recurring or not indicative of operating performance. Management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations and enhance comparability of results with prior periods as well as demonstrate the effects of significant non-adjusted gains and charges in the current and prior periods. The Company’s management also believes that investors find these non-GAAP financial measures useful as they assist investors in understanding the Company’s underlying operating performance and in the analysis of ongoing operating trends. In addition, because intangible assets such as goodwill and the other items excluded each vary extensively from company to company, the Company believes that the presentation of this information allows investors to more easily compare the Company’s results to the results of other companies. However, the non-GAAP financial measures discussed herein should not be considered in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. Moreover, the manner in which the Company calculates the non-GAAP financial measures discussed herein may differ from that of other companies reporting measures with similar names. Investors should understand how such other banking organizations calculate their financial measures with names similar to the non-GAAP financial measures the Company has discussed herein when comparing such non-GAAP financial measures.
A reconciliation of these measures to the most directly comparable GAAP financial measures is included in the Company’s Fourth Quarter 2025 Financial Supplement, which is available at https://investors.firstbankonline.com.
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Financial Summary and Key Metrics |
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(Unaudited) |
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(dollars in thousands, except share data) |
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As of or for the Three Months Ended |
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Selected Balance Sheet Data |
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Cash and cash equivalents |
|
$ |
1,155,895 |
|
|
$ |
1,280,033 |
|
|
$ |
1,042,488 |
|
|
Investment securities, at fair value |
|
|
1,459,734 |
|
|
|
1,428,401 |
|
|
|
1,538,008 |
|
|
Loans held for sale |
|
|
201,076 |
|
|
|
167,449 |
|
|
|
126,760 |
|
|
Loans HFI |
|
|
12,383,626 |
|
|
|
12,297,600 |
|
|
|
9,602,384 |
|
|
Allowance for credit losses on loans HFI |
|
|
(185,983 |
) |
|
|
(184,993 |
) |
|
|
(151,942 |
) |
|
Total assets |
|
|
16,300,292 |
|
|
|
16,236,459 |
|
|
|
13,157,482 |
|
|
Interest-bearing deposits (non-brokered) |
|
|
10,649,932 |
|
|
|
10,634,555 |
|
|
|
8,625,113 |
|
|
Brokered deposits |
|
|
625,634 |
|
|
|
487,765 |
|
|
|
469,089 |
|
|
Noninterest-bearing deposits |
|
|
2,634,395 |
|
|
|
2,690,635 |
|
|
|
2,116,232 |
|
|
Total deposits |
|
|
13,909,961 |
|
|
|
13,812,955 |
|
|
|
11,210,434 |
|
|
Borrowings |
|
|
212,764 |
|
|
|
213,638 |
|
|
|
176,789 |
|
|
Allowance for credit losses on unfunded commitments |
|
|
16,196 |
|
|
|
17,392 |
|
|
|
6,107 |
|
|
Total common shareholders’ equity |
|
|
1,948,165 |
|
|
|
1,978,043 |
|
|
|
1,567,538 |
|
|
Selected Statement of Income Data |
|
|
|
|
|
|
||||||
|
Total interest income |
|
$ |
235,238 |
|
|
$ |
236,898 |
|
|
$ |
186,369 |
|
|
Total interest expense |
|
|
85,434 |
|
|
|
89,658 |
|
|
|
77,988 |
|
|
Net interest income |
|
|
149,804 |
|
|
|
147,240 |
|
|
|
108,381 |
|
|
Total noninterest income |
|
|
28,795 |
|
|
|
26,635 |
|
|
|
21,997 |
|
|
Total noninterest expense |
|
|
107,548 |
|
|
|
109,856 |
|
|
|
73,174 |
|
|
Earnings before income taxes and provisions for credit losses |
|
|
71,051 |
|
|
|
64,019 |
|
|
|
57,204 |
|
|
Provisions for credit losses |
|
|
1,232 |
|
|
|
34,417 |
|
|
|
7,084 |
|
|
Income tax expense |
|
|
12,834 |
|
|
|
6,227 |
|
|
|
12,226 |
|
|
Net income applicable to noncontrolling interest |
|
|
8 |
|
|
|
— |
|
|
|
8 |
|
|
Net income applicable to |
|
$ |
56,977 |
|
|
$ |
23,375 |
|
|
$ |
37,886 |
|
|
Net interest income (tax-equivalent basis) |
|
$ |
150,642 |
|
|
$ |
148,088 |
|
|
$ |
109,004 |
|
|
Adjusted net income* |
|
$ |
61,494 |
|
|
$ |
57,606 |
|
|
$ |
39,835 |
|
|
Adjusted pre-tax, pre-provision net revenue* |
|
$ |
77,118 |
|
|
$ |
80,980 |
|
|
$ |
59,829 |
|
|
Per Common Share |
|
|
|
|
|
|
||||||
|
Diluted net income |
|
$ |
1.07 |
|
|
$ |
0.43 |
|
|
$ |
0.81 |
|
|
Adjusted diluted net income* |
|
|
1.16 |
|
|
|
1.07 |
|
|
|
0.85 |
|
|
Book value |
|
|
37.64 |
|
|
|
37.00 |
|
|
|
33.59 |
|
|
Tangible book value* |
|
|
30.27 |
|
|
|
29.83 |
|
|
|
28.27 |
|
|
Weighted average number of shares outstanding - fully diluted |
|
|
53,074,753 |
|
|
|
53,957,062 |
|
|
|
46,862,935 |
|
|
Period-end number of shares |
|
|
51,752,401 |
|
|
|
53,456,522 |
|
|
|
46,663,120 |
|
|
Selected Ratios |
|
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|
|
|
|
||||||
|
Return on average: |
|
|
|
|
|
|
||||||
|
Assets |
|
|
1.40 |
% |
|
|
0.58 |
% |
|
|
1.14 |
% |
|
Shareholders’ equity |
|
|
11.6 |
% |
|
|
4.69 |
% |
|
|
9.63 |
% |
|
Tangible common equity* |
|
|
14.4 |
% |
|
|
5.82 |
% |
|
|
11.5 |
% |
|
Efficiency ratio |
|
|
60.2 |
% |
|
|
63.2 |
% |
|
|
56.1 |
% |
|
Adjusted efficiency ratio (tax-equivalent basis)* |
|
|
56.3 |
% |
|
|
53.3 |
% |
|
|
54.6 |
% |
|
Loans HFI to deposit ratio |
|
|
89.0 |
% |
|
|
89.0 |
% |
|
|
85.7 |
% |
|
Noninterest-bearing deposits to total deposits |
|
|
18.9 |
% |
|
|
19.5 |
% |
|
|
18.9 |
% |
|
Net interest margin (tax-equivalent basis) |
|
|
3.98 |
% |
|
|
3.95 |
% |
|
|
3.50 |
% |
|
Yield on interest-earning assets |
|
|
6.23 |
% |
|
|
6.35 |
% |
|
|
6.01 |
% |
|
Cost of interest-bearing liabilities |
|
|
3.02 |
% |
|
|
3.21 |
% |
|
|
3.40 |
% |
|
Cost of total deposits |
|
|
2.40 |
% |
|
|
2.53 |
% |
|
|
2.70 |
% |
|
Credit Quality Ratios |
|
|
|
|
|
|
||||||
|
Allowance for credit losses on loans HFI as a percentage of loans HFI |
|
|
1.50 |
% |
|
|
1.50 |
% |
|
|
1.58 |
% |
|
Annualized net charge-offs as a percentage of average loans HFI |
|
|
0.05 |
% |
|
|
0.05 |
% |
|
|
0.47 |
% |
|
Nonperforming loans HFI as a percentage of loans HFI |
|
|
0.97 |
% |
|
|
0.94 |
% |
|
|
0.87 |
% |
|
Nonperforming assets as a percentage of total assets |
|
|
0.97 |
% |
|
|
0.89 |
% |
|
|
0.93 |
% |
|
Preliminary Capital Ratios (consolidated) |
|
|
|
|
|
|
||||||
|
Total common shareholders’ equity to assets |
|
|
12.0 |
% |
|
|
12.2 |
% |
|
|
11.9 |
% |
|
Tangible common equity to tangible assets* |
|
|
9.84 |
% |
|
|
10.1 |
% |
|
|
10.2 |
% |
|
Tier 1 leverage |
|
|
10.3 |
% |
|
|
10.6 |
% |
|
|
11.3 |
% |
|
Tier 1 risk-based capital |
|
|
11.4 |
% |
|
|
11.7 |
% |
|
|
13.1 |
% |
|
Total risk-based capital |
|
|
13.2 |
% |
|
|
13.6 |
% |
|
|
15.2 |
% |
|
Common equity Tier 1 |
|
|
11.4 |
% |
|
|
11.7 |
% |
|
|
12.8 |
% |
|
*Non-GAAP financial measure; A reconciliation of non-GAAP measures to the most directly comparable GAAP measure is included in the Company’s Fourth Quarter 2025 Financial Supplement. |
||||||||||||
(FBK - ER)
View source version on businesswire.com: https://www.businesswire.com/news/home/20260121663065/en/
MEDIA CONTACT:
404-310-2368
keith.hancock@firstbankonline.com
www.firstbankonline.com
FINANCIAL CONTACT:
615-435-0952
mmettee@firstbankonline.com
investorrelations@firstbankonline.com
Source:
