Nashville, TN · Cert 8663 · FB Financial Corp.
State charter, Fed member · FED · 98 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Trailing 9 quarters, through Q2 2026
Capital
24
Asset Quality
46
Profitability
68
Liquidity
58
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Nashville, TN · Cert 8663 · FB Financial Corp.
State charter, Fed member · FED · 98 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 5.0% share · #6 of 62 inst. · $5.4B of $107.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.94% | 1.21% | 0.66% | 0.66% | 0.89% | 1.46% | 1.46% | +79 bps | |
| Return on Equity | 7.17% | 7.93% | 10.24% | 5.62% | 5.54% | 7.44% | 11.98% | 12.13% | +651 bps | |
| Net Interest Margin | 3.27% | 3.21% | 3.32% | 3.42% | 3.15% | 3.30% | 3.71% | 3.73% | +30 bps | |
| Efficiency Ratio | 57.42% | 56.80% | 59.43% | 58.54% | 59.44% | 59.00% | 53.13% | 51.73% | -681 bps | |
| Non-Interest Burden | 1.55% | 1.50% | 1.67% | 1.67% | 1.60% | 1.67% | 1.66% | 1.62% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 4.20% | 4.58% | 6.44% | 25.56% | 23.99% | 25.38% | 25.79% | +1,935 bps | |
| Loan Growth (YoY) | 2.03% | 2.66% | 6.11% | 6.39% | 30.10% | 29.35% | 28.06% | 30.39% | +2,400 bps | |
| Deposit Growth (YoY) | 3.18% | 6.37% | 6.74% | 9.13% | 25.85% | 23.92% | 25.50% | 25.52% | +1,639 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.27% | 1.18% | 1.05% | 1.17% | 1.10% | 1.18% | 1.19% | 1.40% | +23 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.13% | 0.13% | 0.08% | 0.06% | 0.05% | 0.11% | 0.08% | +1 bps | |
| Allowance / Loans | 1.63% | 1.56% | 1.51% | 1.49% | 1.48% | 1.48% | 1.46% | 1.49% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.4x | 1.3x | 1.3x | 1.3x | 1.2x | 1.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.19% | 10.82% | 11.01% | 10.80% | 10.78% | 10.46% | 10.58% | 10.35% | -45 bps | |
| Total Risk-Based Capital | 14.85% | 14.75% | 14.78% | 14.22% | 13.26% | 12.95% | 13.06% | 12.54% | -169 bps | |
| Equity / Assets | 12.07% | 11.64% | 11.99% | 11.80% | 12.37% | 12.14% | 12.17% | 11.75% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.15% | 86.53% | 88.51% | 87.55% | 90.09% | 90.33% | 90.32% | 90.95% | +340 bps | |
| Liquid Assets / Assets | 5.64% | 6.07% | 4.08% | 5.03% | 5.20% | 4.59% | 4.86% | 4.39% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 417% | 408% | n/a | n/a | |
Nashville, TN · Cert 8663 · Peer group: banks over $10B in assets (n=142-144) · FB Financial Corp.
State charter, Fed member · FED · 98 branches
Q2 2026
Return on Assets
1.43%
Rank 45 of 144
Net Interest Margin
3.73%
Rank 32 of 144
Efficiency Ratio
52.78%
Rank 50 of 144
Equity / Assets
11.75%
Rank 60 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 1.00% | 1.26% | 1.54% | Beats 69% | 45 / 144 | ||
| Return on Equity | 12.20% | 8.98% | 11.34% | 14.40% | Beats 58% | 60 / 144 | ||
| Net Interest Margin | 3.73% | 2.82% | 3.31% | 3.68% | Beats 78% | 32 / 144 | ||
| Efficiency Ratio | 52.78% | 49.42% | 56.02% | 62.41% | Beats 66% | 50 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.40% | 0.48% | 0.73% | 1.07% | Beats 16% | 120 / 142 | ||
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 75% | 37 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.29% | 12.07% | 12.98% | 14.92% | Beats 7% | 134 / 144 | ||
| Total Risk-Based Capital Ratio | 12.54% | 13.39% | 14.14% | 16.25% | Beats 8% | 132 / 144 | ||
| Equity / Assets | 11.75% | 9.69% | 11.39% | 12.96% | Beats 58% | 60 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.95% | 75.72% | 84.92% | 91.56% | 73rd pctl | 38 / 143 | ||
| Loans / Assets | 77.94% | 59.83% | 69.07% | 74.80% | 83rd pctl | 25 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||