FB Financial Corporation ( (FBK) ) has released its Q3 earnings. Here is a breakdown of the information FB Financial Corporation presented to its investors.
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FB Financial Corporation, a financial holding company headquartered in Nashville, Tennessee, operates through its subsidiary FirstBank across several states, providing a range of banking services.
In its third-quarter 2025 earnings report, FB Financial Corporation announced a significant increase in net income and adjusted earnings per share, driven by strategic growth initiatives and a recent merger.
The company reported a net income of $23.4 million, or $0.43 per diluted share, a substantial rise from previous quarters. Adjusted net income reached $57.6 million, or $1.07 per diluted share. The merger with Southern States Bancshares significantly contributed to the growth in loans and deposits, with loans held for investment increasing to $12.30 billion and deposits rising to $13.81 billion. The net interest margin improved to 3.95%, reflecting strategic actions and portfolio restructuring.
FB Financial Corporation also maintained strong credit quality with a stable allowance for credit losses and minimal charge-offs. The company’s capital position remained robust, supporting its growth objectives and readiness for future opportunities.
Looking ahead, the management is optimistic about building on the current momentum, focusing on disciplined capital management and enhancing customer value, which positions the company for continued growth and profitability.