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Investor Relations14 Oct 2025
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FB Financial (FBK) investor relations material
FB Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Oct, 2025
Executive summary
Completed merger with Southern States Bancshares, with full integration and system conversion in 3Q25, resulting in a larger balance sheet and combined company results for the quarter.
Reported Q3 2025 net income of $23.4 million ($0.43 per diluted share), up from $0.06 in Q2 and $0.22 in Q3 2024; adjusted net income was $57.6 million ($1.07 per share), up from $0.88 in Q2 and $0.86 in Q3 2024.
Deal synergies are ahead of schedule, with 100% expected by January 2026.
All clients and team members are now operating under a unified brand.
Management highlighted strong growth, improved profitability, and successful integration of the merger.
Financial highlights
Net interest income rose to $148.1 million, driven by the merger and organic loan growth.
Net interest margin (NIM) expanded to 3.95% (tax-equivalent basis), up from 3.68% in Q2 and 3.55% in Q3 2024.
Loans held for investment reached $12.30 billion, up from $9.87 billion in Q2 and $9.48 billion in Q3 2024.
Total deposits increased to $13.81 billion, up from $11.40 billion in Q2 and $10.98 billion in Q3 2024.
Core noninterest income was $27.3 million, with mortgage banking income at $13.5 million.
Outlook and guidance
Deal synergies from the merger are expected to be fully realized by the start of 2026.
2026 EPS accretion is projected at ~12%, with efficiency ratio on track for ~50%.
Tangible book value per share dilution is expected to be less than 4%, with earn-back in under two years.
Management expects to build on current momentum into Q4, focusing on growth, profitability, and capital management.
Full benefits from debt redemption expected in Q4, supporting further margin improvement.
Organic deposit trend post-merger?
NIM accretion impact sustainability?
Acquired loan portfolio credit risk?
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Next FB Financial earnings date
Q4 202520 Jan, 2026
Next FB Financial earnings date
Q4 202520 Jan, 2026
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Frequently asked questions
FB Financial Corporation is a bank holding company offering a range of banking services to individuals, businesses, and governmental entities. Its services include commercial and consumer banking, mortgage lending, and wealth management. FB Financial operates within the financial services sector, with a focus on regional banking. The company is headquartered in Nashville, Tennessee, and its shares are listed on the NYSE.
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