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.
Capital
24
Asset Quality
46
Profitability
68
Liquidity
58
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
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 | ||||||