Monitor next quarterly filing for updates on loan growth trajectory and net interest margin stability, as well as any impact from the softer economic forecast on credit quality.
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Executive Summary
FB Financial filed an 8-K with an investor presentation for fixed-income investors, highlighting its Q2 2026 financial results. The presentation shows strong profitability with a 1.44% ROAA, a 3.95% NIM, and a 14.6% ROATCE, alongside solid capital and asset quality metrics. This is a routine investor relations update with no new material events.
Key Facts
- Total assets of $16.8 billion as of June 30, 2026.
- Net interest margin (FTE) of 3.95% for Q2 2026, up 27 bps year-over-year.
- CET1 ratio of 11.0% and total capital ratio of 12.9%.
- Allowance for credit losses to loans HFI of 1.51%.
- Net charge-offs of 0.06% of average loans (annualized) in Q2 2026.
- Adjusted ROAA of 1.45% and adjusted ROATCE of 15.0% for Q2 2026.
- Completed merger with Southern States Bancshares, Inc. in July 2025.
- Unrealized losses in AOCI on securities of $51.8 million ($35.5 million net of tax).
Financial Impact
No new material financial impact; presentation summarizes existing Q2 2026 results.
Risk Factors
- Modestly softer economic forecast used in ACL modeling, with slight increases in inflationary pressures and moderation of GDP growth expectations.
- Office loan portfolio (~4% of total loans) with 16% maturing by year-end 2026, though 97% is pass-rated and current.
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001213900-26-100750 |
| Document: ea0305652-8k_fbfinancial.htm | 0001213900-26-100750 |
| Document: 0001213900-26-100750-index-headers.html | 0001213900-26-100750 |
| Document: 0001213900-26-100750-index.html | 0001213900-26-100750 |
| Document: 0001213900-26-100750.txt | 0001213900-26-100750 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 4d ago | Insider Buy | $53.62 $53.46 | ▼ −0.30% | ▲ +0.22% | $53.46 (−0.30%) |
Oct 13, 2026 13d ago | 8-K | $50.72 $50.38 | ▼ −0.67% | ▲ +0.41% | $53.46 (+5.40%) |
Sep 21, 2026 5w ago | 424B5 | $53.60 $53.20 | ▼ −0.75% | ▼ −0.73% | $53.46 (−0.26%) |
Sep 21, 2026 5w ago | 8-K | $53.60 $53.20 | ▼ −0.75% | ▼ −0.73% | $53.46 (−0.26%) |
Sep 17, 2026 5w ago | 8-K | $53.50 $53.36 | ▼ −0.26% | ▼ −0.14% | $53.46 (−0.07%) |
Jul 15, 2026 14w ago | 144 | $60.42 $59.96 | ▼ −0.76% | ▲ +0.23% | $53.46 (−11.52%) |
May 13, 2026 23w ago | 8-K | $51.75 $51.30 | ▼ −0.87% | ▲ +0.36% | $53.46 (+3.30%) |
Apr 13, 2026 27w ago | 8-K | $54.48 $54.21 | ▼ −0.50% | ▼ −1.27% | $53.46 (−1.88%) |
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