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Visual24 Oct 2025
The rise of Alphabet
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
Reported Q3 2025 net income of $23.4 million ($0.43 per diluted share) and adjusted net income of $57.6 million ($1.07 per share), with tangible book value per share at $29.83 and CAGR of 11.8% since IPO.
Completed merger with Southern States Bancshares on July 1, 2025, with full systems conversion by September 2, 2025, resulting in a larger balance sheet and unified brand.
Pre-tax pre-provision net revenue (PPNR) was $64 million reported, $81 million adjusted.
Deal synergies are ahead of schedule, with 100% expected by January 2026.
Management highlighted strong growth, improved profitability, and successful merger integration.
Financial highlights
Net interest income rose to $148.1 million, up 32.2% sequentially and 38.9% year-over-year, driven by the merger and organic loan growth.
Net interest margin expanded to 3.95% (tax-equivalent basis), up from 3.68% in Q2.
Adjusted core efficiency ratio improved to 53.3% from 56.9% last quarter.
Non-interest income (adjusted) was $27.3 million, with mortgage banking income at $13.5 million.
Loans held for investment reached $12.30 billion; total deposits increased to $13.81 billion.
Outlook and guidance
Net interest margin expected at 3.80%–3.90% for Q4 2025 and into 2026, assuming two rate cuts.
Full-year 2025 banking expenses guided at $290–$300 million; 2026 expected at $325–$335 million, with efficiency ratio near 50% by year-end 2026.
Loan and deposit growth for Q4 2025 guided to mid-to-high single digits; 2026 expected to return to high single-digit to low double-digit organic growth.
2026 EPS accretion projected at ~12%, with tangible book value per share dilution under 4% and earn-back in under two years.
Organic deposit trend post-merger?
NIM accretion impact sustainability?
Acquired loan portfolio credit risk?
Detail market disruption growth strategy
Capital deployment strategy for 2026
Key drivers of NIM sustainability into 2026?
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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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