FB Financial Corp

FB Financial Corporation (NYSE: FB) operates as a bank holding company headquartered in Nashville, Tennessee, with FirstBank serving as its wholly-owned banking subsidiary. The company provides comprehensive commercial and consumer banking services across the southeastern United States, with a primary footprint centered in Tennessee and extending into Alabama, Kentucky, Georgia, and North Carolina. As of December 31, 2025, FB Financial maintains total assets of $16.30 billion, loans held for investment of $12.38 billion, total deposits of $13.91 billion, and total common shareholders' equity of $1.95 billion.

The company operates 90 full-service branches serving major metropolitan markets including Nashville, Chattanooga, Knoxville, Memphis, and Jackson in Tennessee, along with Bowling Green in Kentucky, Columbus and Newnan in Georgia, and Birmingham, Anniston, Huntsville, and Auburn in Alabama. FB Financial also provides mortgage banking services through strategically located offices throughout the southeastern United States. The company employs 1,594 full-time equivalent associates with an average tenure of approximately six years and nine months.

FB Financial's business model emphasizes relationship-based community banking delivered through experienced local bankers empowered with local decision-making authority. The company targets retail and wealth consumers, small businesses, and corporate clients, offering deposit products, commercial and consumer loans, mortgages, home equity lines, treasury management services, trust and investment services, and capital markets revenue streams. The Nashville metropolitan statistical area represents the company's largest market, accounting for approximately 36.1 percent of total deposits with a 5.1 percent market share.

Originally chartered in 1906, FB Financial has grown substantially through organic expansion and strategic acquisitions. The company completed its largest merger to date in August 2020 with Franklin Financial Network, and most recently merged with Southern States Bancshares in July 2025, broadening its presence across Alabama and Georgia. The company's strategy focuses on enhancing market penetration in existing markets, pursuing opportunistic acquisitions, improving operational efficiency through technology and scaling, and developing niche banking and noninterest income opportunities. FB Financial maintains a strong risk management framework addressing credit risk, interest rate risk, liquidity risk, compliance risk, and cybersecurity threats.