FBK FB Financial Corp
FY2025 10-K
FB Financial Corp (FBK) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Management Discussion & Analysis
- • Revenue mix: Banking and Mortgage segments; main Banking revenue from loan interest, fees; Mortgage from origination fees, secondary market gains
- • M&A: Southern States Bancshares merger added $2.83B assets, $2.27B loans, $2.47B deposits; $368.4M consideration paid; goodwill $107.8M
Risk Factors
- • Dividend restrictions under Federal Reserve Regulation H limit payments without TDFI/Federal Reserve approval; $36.7M available at Dec 31, 2025 versus $185.9M at Dec 31, 2024
- • Shareholders’ equity rose to $1.95B at Dec 31, 2025 from $1.57B in 2024, driven by $368M stock issuance from Southern States merger
Financial SummaryXBRL
Revenue
$834M
Net Income
$123M
Net Margin
14.7%
ROE
6.3%
Total Assets
$16.3B
EPS (Diluted)
$2.45
Operating Cash Flow
$156M
Source: XBRL data from FB Financial Corp FY2025 10-K filing on SEC EDGAR. All figures in USD.
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