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FBK on NYSE

FB Financial Corp

FB Financial Corp is an American state commercial bank based in Nashville, incorporated in Tennessee.2 Its shares trade on NYSE under the symbol FBK.2

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Last updated Oct 21, 2026.

Overview

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  • TickerFBK on NYSE2
  • IndustryState Commercial Banks2
  • HeadquartersNashville, United States2
  • Incorporated inTN3
  • Business address1221 Broadway, Suite 1300, Nashville, Tn 372033
  • Filer categoryLarge accelerated filer3
  • Legal formFor-Profit Corporation2
  • LEI5493000B2LD2C2A6C4352
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered addressC/O C T CORPORATION SYSTEM, 37919-5546 Knoxville, United States2
  • Registered withBusiness Services (Department of State), 0001468202

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Mortgage Banking brought in 55% of the revenue FB Financial Corp broke down this way in fiscal 2025.

  1. Mortgage Banking$52.4M555%up 12% from 2024
  2. Investment Advisory, Management and Administrative Service$16.3M517%up 15% from 2024
  3. Deposit Account$15.1M516%up 14% from 2024
  4. Debit Card$12.1M513%up 5% from 2024
Products and services by year
Products and services202320242025
Mortgage Banking$44.7M$46.6M$52.4M
Investment Advisory, Management and Administrative Service$11.3M$14.2M$16.3M
Deposit Account$12.2M$13.2M$15.1M
Debit Card$10.3M$11.5M$12.1M

Financial statements

Net income67895$122.6M in 2025+46% since 2019
0$50.0M$100.0M$150.0M$200.0M2019: $83.8M$83.8M20192020: $63.6M$63.6M2020−24%2021: $190.3M$190.3M2021+199%2022: $124.6M$124.6M2022−35%2023: $120.2M$120.2M2023−3%2024: $116.0M$116.0M2024−3%2025: $122.6M$122.6M2025+6%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$731.9M$626.4M$599.2M
Taxable$57.9M$50.1M$27.3M
Tax-exempt$4.2M$4.7M$7.2M
Other$39.9M$44.3M$44.8M
Total interest income$833.9M$725.5M$678.4M
Deposits$309.2M$296.3M$258.8M
Borrowings$8.6M$12.7M$12.4M
Total interest expense$317.8M$309.0M$271.2M
Net interest income$516.1M$416.5M$407.2M
Provision for credit losses on loans HFI$33.2M$14.7M$16.7M
Provision for (reversal of) credit losses on unfunded commitments$10.1M-$2.7M-$14.2M
Net interest income after provision for credit losses$472.8M$404.5M$404.7M
Loss from investment securities, net-$60.5M-$56.4M-$14.0M
Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net-$1.2M-$2.2M-$27.0K
Other income$9.6M$12.1M$6.1M
Total noninterest income$43.9M$39.1M$70.5M
Salaries, commissions and employee benefits$217.7M$183.8M$203.4M
Occupancy and equipment expense$28.1M$26.2M$28.1M
Merger and integration costs$23.8M$0$0
Data processing$9.7M$9.6M$9.2M
Advertising$9.6M$7.0M$8.3M
Legal and professional fees$8.1M$7.7M$8.9M
Amortization of core deposit and other intangibles$5.3M$2.9M$3.7M
Other expense$75.8M$59.6M$63.3M
Total noninterest expense$378.2M$296.9M$324.9M
Income before income taxes$138.5M$146.7M$150.3M
Income tax expense$15.9M$30.6M$30.1M
Net income applicable to FB Financial Corporation and noncontrolling interest$122.6M$116.1M$120.2M
Net income applicable to noncontrolling interest$16.0K$16.0K$16.0K
Net income applicable to FB Financial Corporation$122.6M$116.0M$120.2M
Basic (in dollars per share)$2.47$2.48$2.57
Diluted (in dollars per share)$2.45$2.48$2.57

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Corporate structure

FB Financial Corp sits at the top of its group. 10 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of FB Financial Corp

  • FB Financial Corp Nashville, Tennessee, United States
    • FBK Aviation, LLC Subsidiary · Tennessee, United States
    • First South Bancorp Statutory Trust I Subsidiary · Connecticut, United States
    • First South Bancorp Statutory Trust II Subsidiary · Connecticut, United States
    • FirstBank Subsidiary · Nashville, Tennessee, United States
    • FirstBank Insurance, Inc. Subsidiary · Tennessee, United States
    • FirstBank Investments of Nevada, Inc. Subsidiary · Nevada, United States
    • FirstBank Investments of Tennessee, Inc. Subsidiary · Tennessee, United States
    • FirstBank Preferred Capital, Inc. Subsidiary · Nevada, United States
    • Investors Title Company Subsidiary · Tennessee, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What FB Financial Corp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Computer equipment and software$893.0K5 Dec 31, 2025$1.4M5 Dec 31, 2024−35.7%
Finance-lease assets$1.0M5 Dec 31, 2025$1.1M5 Dec 31, 2024−9.6%
Operating-lease assets (leased space)$49.2M5 Dec 31, 2025$48.0M5 Dec 31, 2024+2.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$1.2B5 Dec 31, 2025$1.0B5 Dec 31, 2024+10.9%
Equity securities at fair value$155.0K5 Dec 31, 2025$05 Dec 31, 2024
Stakes in other companies (equity method)$17.6M5 Dec 31, 2025$20.0M5 Dec 31, 2024−11.8%
Loans, net of allowance$12.2B5 Dec 31, 2025$9.5B5 Dec 31, 2024+29.1%
Deposits held (banks)$13.9B5 Dec 31, 2025$11.2B5 Dec 31, 2024+24.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$350.4M5 Dec 31, 2025$242.6M5 Dec 31, 2024+44.4%
Finite-lived intangibles, gross$92.3M5 Dec 31, 2025$61.4M5 Dec 31, 2024+50.2%
Accumulated amortization$61.0M5 Dec 31, 2025$55.7M5 Dec 31, 2024+9.5%
Finite-lived intangibles, net$31.3M5 Dec 31, 2025$5.8M5 Dec 31, 2024+442.9%

Properties, in its own words

Our principal executive offices and FirstBank’s main office are located at 1221 Broadway, Suite 1300 Nashville, Tennessee. We provide a comprehensive suite of commercial and consumer banking services to clients in select markets in Tennessee, Alabama, Kentucky, North Carolina and Georgia. As of December 31, 2025, our footprint included 90 full-service branches and 7 limited service branch locations serving markets across Tennessee, including Nashville, Chattanooga, Knoxville, Memphis, and Jackson in addition to Bowling Green, Kentucky, Columbus and Newnan, Georgia and Birmingham, Anniston, Huntsville, and Auburn, Alabama. Additionally, our banking services extend to community markets throughout our footprint. We also provide retail mortgage banking services utilizing our bank branch network and 12 mortgage banking offices strategically located throughout the southeastern United States. See “Item 1. Business – Our Markets” for more detail. We own 71 of these locations and lease our other locations, which include nearly all of our mortgage offices and our principal executive office. We believe that our offices and banking locations are suitable and adequate for our current business operations.

Item 2 of the 10-K filed Feb 26, 2026.13

Leadership

Who has led FB Financial Corp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Christopher T. Holmes2016–now

Chair

  1. James W. Ayers2016–2020

President

  1. Christopher T. Holmes2016–now
  2. Wilburn J. Evans2016–2023

Chief financial officer

  1. James R. Gordon2016–2020
  2. Michael M. Mettee2020–now

Chief operating officer

  1. Michael M. Mettee2026–now
20202025
Board members and other officers (26)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • FBK Aviation, LLC Tennessee4
  • First South Bancorp Statutory Trust I Connecticut4
  • First South Bancorp Statutory Trust II Connecticut4
  • FirstBank Tennessee4
  • FirstBank Insurance, Inc. Tennessee4
  • FirstBank Investments of Nevada, Inc. Nevada4
  • FirstBank Investments of Tennessee, Inc. Tennessee4
  • FirstBank Preferred Capital, Inc. Nevada4
  • Investors Title Company Tennessee4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • First South Bancorp, Inc.Sep 25, 2015 to Nov 23, 20153

Timeline

  1. Oct 13, 20268-K Results of operations; Regulation FD disclosure44
  2. Sep 24, 20268-K Entered a material agreement; New debt or obligation45
  3. Sep 21, 20268-K Other events46
  4. Sep 17, 20268-K Other events47
  5. Jul 27, 20268-K Regulation FD disclosure48
  6. Jul 13, 20268-K Results of operations; Regulation FD disclosure49
  7. May 22, 20268-K Shareholder vote50
  8. May 13, 20268-K Regulation FD disclosure51
  9. Apr 27, 20268-K Regulation FD disclosure; Other events52
  10. Apr 13, 20268-K Results of operations; Regulation FD disclosure53
  11. Feb 11, 20268-K Regulation FD disclosure54
  12. Feb 3, 20268-K Executive or director change55
  13. Sep 15, 2016New chief executive Christopher T. Holmes becomes CEO14

Calendar

Coming up

  1. Around Jan 13, 2027Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Oct 13, 2026Reported quarterly or annual results44
  2. Jul 13, 2026Reported quarterly or annual results49
  3. Apr 13, 2026Reported quarterly or annual results53
  4. Jan 21, 2026Reported quarterly or annual results56
  5. Oct 14, 2025Reported quarterly or annual results57
  6. Jul 14, 2025Reported quarterly or annual results58
  7. Apr 14, 2025Reported quarterly or annual results59
  8. Jan 21, 2025Reported quarterly or annual results60

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

511 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 75 major events, 342 insider forms, 22 large holders, 52 other. The latest 20:

  1. Oct 13, 20268-K EDGAR
  2. Oct 8, 20264 EDGAR
  3. Oct 8, 20264 EDGAR
  4. Oct 8, 20264 EDGAR
  5. Sep 24, 20268-K CURRENT REPORT EDGAR
  6. Sep 23, 2026424B5 PROSPECTUS SUPPLEMENT EDGAR
  7. Sep 21, 2026FWP FREE WRITING PROSPECTUS EDGAR
  8. Sep 21, 2026305B2 APPLICATION FOR DESIGNATION OF A NEW TRUSTEE EDGAR
  9. Sep 21, 2026FWP FREE WRITING PROSPECTUS EDGAR
  10. Sep 21, 2026424B5 PROSPECTUS SUPPLEMENT EDGAR
  11. Sep 21, 20268-K CURRENT REPORT EDGAR
  12. Sep 17, 20268-K CURRENT REPORT EDGAR
  13. Aug 4, 20264 EDGAR
  14. Aug 4, 20264 EDGAR
  15. Aug 4, 20264 EDGAR
  16. Aug 4, 20264 EDGAR
  17. Aug 3, 202610-Q EDGAR
  18. Jul 27, 20268-K EDGAR
  19. Jul 16, 20264 EDGAR
  20. Jul 15, 2026144 EDGAR

The 511 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

70 open-market trades by officers, directors and large owners since October 2021: 61 buys and 9 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 15, 2026JOYCE LYNN JChief Accounting OfficerSale7,000$59.03$413.2KForm 4
Jan 15, 2026McPherson James Austin10% ownerSale8,500$60.06$510.5KForm 4
Dec 11, 2025Clark AgeniaDirectorSale1,210$59.18$71.6KForm 4
Oct 17, 2025Clark AgeniaDirectorSale1,345$52.18$70.2KForm 4
Oct 16, 2025Jubran Raja J.DirectorBuy9,147$54.67$500.1KForm 4
Apr 16, 2025CROSS JAMES W IVDirectorBuy7,200$40.49$291.5KForm 4
Mar 4, 2025Ayers James W.10% ownerBuy2,000$48.51$97.0KForm 4
Feb 26, 2025Ayers James W.10% ownerBuy2,000$48.93$97.9KForm 4
Feb 12, 2025Ayers James W.10% ownerBuy2,000$51.83$103.7KForm 4
Feb 10, 2025Ayers James W.10% ownerBuy2,000$52.58$105.2KForm 4
Feb 7, 2025Ayers James W.10% ownerBuy2,000$52.90$105.8KForm 4
Feb 3, 2025Ayers James W.10% ownerBuy2,000$52.07$104.1KForm 4
Jan 31, 2025Ayers James W.10% ownerBuy2,000$52.56$105.1KForm 4
Jan 10, 2025Ayers James W.10% ownerBuy2,000$48.46$96.9KForm 4
Jan 8, 2025Ayers James W.10% ownerBuy2,000$50.26$100.5KForm 4
Jan 6, 2025Ayers James W.10% ownerBuy2,000$51.40$102.8KForm 4
Dec 23, 2024Ayers James W.10% ownerBuy2,000$51.86$103.7KForm 4
Nov 11, 2024CROSS JAMES W IVDirectorSale5,000$58.22$291.1KForm 4
Nov 11, 2024Ayers James W.10% ownerBuy1,000$57.15$57.1KForm 4
Nov 8, 2024Ayers James W.10% ownerBuy2,000$55.70$111.4KForm 4

All 70 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Christopher T. Holmes62$787.5K$3.8M67
2025Michael M. Mettee45$469.0K$1.8M67
2025Travis K. Edmondson$406.4K$1.4M67
2025Aimee T. Hamilton60$384.1K$1.1M67
2025Scott J. Tansil56$375.8K$1.1M67
2024President and Chief Executive Officer$765.4K$3.9M67
2024Chief Financial Officer and Chief Operating Officer$441.3K$1.6M67
2024Chief Credit Officer$412.1K$1.3M67
2023President and Chief Executive Officer$711.1K$3.0M67
2023Chief Financial Officer and Chief Operating Officer$394.6K$985.7K67
2023Chief Credit Officer$348.0K$879.8K67

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.6,297,957$348.6M0.0%+176,604
State Street Corp2,449,893$135.6M0.0%+183,888
Vanguard Capital Management LLC2,152,443$119.1M0.0%+268,053
Dimensional Fund Advisors LP2,032,178$112.5M0.0%+31,694
Westwood Holdings Group Inc1,283,508$71.0M0.5%+21,989
Geode Capital Management, LLC1,091,417$60.4M0.0%+50,675
Wellington Management Group Llp1,069,173$59.2M0.0%−59,927
Loomis Sayles & Co L P871,137$48.2M0.1%−41,467
Vanguard Portfolio Management LLC836,395$46.3M0.0%+46,526
Goldman Sachs Group Inc819,056$45.3M0.0%+150,739
Bank Of America Corp /de/712,922$39.5M0.0%−40,343
Frontier Capital Management Co LLC642,607$35.6M0.3%−12,562
Morgan Stanley635,015$35.1M0.0%+136,201
Davis Asset Management, L.P.619,236$34.3M0.9%No change
Franklin Resources Inc607,182$33.6M0.0%+112,905
Deprince Race & Zollo Inc519,362$28.7M0.5%−517,031
Fmr LLC507,699$28.1M0.0%+4,220
Charles Schwab Investment Management Inc496,650$27.5M0.0%+7,410
Citadel Advisors LLC479,239$26.5M0.0%+465,087
Northern Trust Corp466,368$25.8M0.0%+24,786
Federated Hermes, Inc.439,801$24.3M0.0%+17,108
Two Sigma Investments, LP390,309$21.6M0.0%+113,064
Penn Capital Management Company, LLC387,253$21.5M1.4%+67,656
Jupiter Topco LLC385,498$21.3M0.0%New
Tributary Capital Management, LLC370,081$20.5M1.7%+92,773

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

2 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jan 15, 2026Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000−26.5%Report
Jan 5, 2026Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000−21.4%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How FB Financial Corp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFB Financial Corp1
  • CIK0001649749
  • Employer ID (EIN)62-121605813
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company13
  • Incorporated inTennessee13
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1221 Broadway, Suite 1300, Nashville, TN 372031
  • Phone615-313-00801
  • Shares outstanding49,978,138 as of Jul 31, 202611
  • Public float$1.5B as of Jun 30, 202513
  • AuditorCrowe LLP, Franklin, Tennessee PCAOB ID 173; it also attests to the company’s internal control over financial reporting13
  • On EDGAR sinceSep 25, 20151
  • Filings1,031 in all: 4 (597), 8-K (167), 3 (37), 10-Q (30), SC 13G/A (22), 425 (18), UPLOAD (12), DEFA14A (11)1
    All 48 form types

    10-K (10), CORRESP (10), DEF 14A (10), 11-K (7), EFFECT (7), 4/A (6), 424B3 (6), 8-K/A (6), PRE 14A (6), SC 13G (6), 5 (4), ARS (4), DRS/A (4), SCHEDULE 13D/A (4), 144 (3), 424B4 (3), 424B7 (3), S-4 (3), S-4/A (3), S-8 (3), SCHEDULE 13G/A (3), 424B5 (2), DRSLTR (2), FWP (2), POS AM (2), S-1 (2), S-1/A (2), S-3ASR (2), 3/A (1), 305B2 (1), 8-A12B (1), CERTNYS (1), D (1), DEFM14A (1), DRS (1), PREM14A (1), S-3 (1), S-3/A (1), S-8 POS (1), SCHEDULE 13D (1)

  • Latest filingsAnnual report (10-K) Feb 26, 2026
    Quarterly report (10-Q) Aug 3, 2026
    Proxy statement (DEF 14A) Apr 6, 2026
    Latest 8-K (8-K) Oct 13, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, Par Value $1.00 Per ShareFBKNew York Stock Exchange

From the cover page of the 10-K filed Feb 26, 2026 (Section 12(b) of the Exchange Act).13

Risk factors and legal proceedings

The risks FB Financial Corp names in Item 1A of its 10-K filed Feb 26, 2026: 38 risks under these headings, as written.13

  • In addition, certain statements in the following risk factors constitute forward-looking statements. Please refer to the section entitled “Cautionary note regarding forward-looking statements” included in this Annual Report.
  • CREDIT AND LOAN RISK
  • The majority of our assets are loans, which if not repaid would result in losses to the Bank.
  • We are subject to lending concentration risks.
  • Our ability to grow our loan portfolio may be hampered.
  • MARKET AND INTEREST RATE RISK
  • Difficult or volatile market conditions in the national financial markets, the U.S. economy generally, or our markets in particular may adversely affect our lending activity or other businesses, as well as our financial condition.
  • Changes in interest rates could adversely affect our results of operations and financial condition.
  • The performance of our investment securities portfolio is subject to fluctuation due to changes in interest rates and market conditions, including credit deterioration of the issuers of individual securities.
  • We may be materially and adversely affected by the creditworthiness and liquidity of other financial institutions.
  • Changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs, may adversely impact our business, financial condition, and results of operations.
  • Significant changes to the size, structure, powers and operations of the federal government may cause economic disruptions that could, in turn, adversely impact our business, results of operations and financial condition.
The other 28 risks
  • LIQUIDITY RISK
  • A lack of liquidity could adversely affect our operations and jeopardize our business, financial condition or results of operations.
  • Failure to address the federal debt ceiling in a timely manner, downgrade of the U.S. credit rating, and uncertain credit and financial market conditions may affect the stability of securities issued or guaranteed by the federal government, which may adversely affect the valuation or liquidity of our investment securities portfolio and increase future borrowing costs.
  • MORTGAGE BANKING RISK
  • Our mortgage revenue is cyclical and is sensitive to the level of interest rates, changes in economic conditions, decreased economic activity, and slowdowns in the housing market.
  • The value of our mortgage servicing rights asset is subjective by nature and may be vulnerable to inaccuracies or other events outside our control.
  • Decreased residential mortgage origination volume and pricing decisions of competitors may adversely affect our profitability.
  • We may incur costs, liabilities, fines and other sanctions if we fail to satisfy our mortgage loan servicing obligations.
  • LEGAL, REGULATORY AND COMPLIANCE RISK
  • We are subject to significant government regulation and supervision.
  • Applicable laws and regulations restrict both the ability of the Bank to pay dividends to us and our ability to pay dividends to our shareholders.
  • As the parent company of the Bank, the Federal Reserve may require us to commit capital resources to support the Bank.
  • Our financial condition may be affected negatively by the costs of litigation.
  • TECHNOLOGY AND OPERATIONAL RISKS
  • We rely on third-party vendors to provide services that are integral to the operation of our business.
  • The rise of artificial intelligence and generative AI presents risks to our operations, controls, and compliance.
  • Our risk management framework may not be effective in mitigating risks and/or losses to us.
  • System failure or breaches of our network security, including cyber-attacks or data security breaches, could subject us to increased operating costs as well as litigation among other liabilities.
  • The financial services industry is undergoing rapid technological changes and we may not have the resources to implement new technology to stay current with these changes.
  • The nature of technology-driven disruption to our industry is changing, in some cases seeking to displace traditional financial service providers rather than merely enhancing traditional services or their delivery.
  • We are subject to certain operational risks, including, but not limited to, client or employee fraud.
  • The impact of widespread health emergencies, catastrophic events, natural disasters, or severe weather events adversely affect our business, financial condition, liquidity, and results of operations.
  • STRATEGIC AND OTHER BUSINESS RISKS
  • Our strategy of pursuing acquisitions exposes us to risk.
  • We have a shareholder who owns a significant portion of our stock and that shareholder’s interests in our business may be different than our other shareholders.
  • We could be required to write down goodwill and other intangible assets.
  • GENERAL RISKS
  • We face strong competition from financial services companies and other companies that offer banking services.
  • Holders of our subordinated debentures have rights that are senior to those of our common shareholders.
  • New lines of business, products, product enhancements or services may subject us to additional risks.
  • Consumers may decide not to use banks to complete their financial transactions.
  • We depend on the accuracy and completeness of information about customers.
  • Negative publicity could impact our reputation.
  • Negative developments affecting the banking industry may erode client confidence in the banking system.

Legal proceedings

Various legal proceedings to which FB Financial Corporation or a subsidiary of FB Financial Corporation is party arise from time to time in the normal course of business. As of the date hereof, there are no material pending legal proceedings to which FB Financial Corporation or any of its subsidiaries is a party or of which any of its or its subsidiaries' assets or properties are subject.

The opening of Item 3, Legal Proceedings.13

Sources

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