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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 1.19% | 1.21% | 0.12% | 0.69% | 1.46% | 1.46% | 1.46% | +134 bps | |
| Return on Equity | 2.92% | 10.03% | 10.24% | 1.05% | 5.73% | 11.91% | 11.98% | 12.23% | +1,118 bps | |
| Net Interest Margin | 3.38% | 3.34% | 3.32% | 3.48% | 3.82% | 3.83% | 3.71% | 3.76% | +28 bps | |
| Efficiency Ratio | 57.49% | 54.99% | 59.43% | 57.69% | 60.82% | 57.93% | 53.13% | 50.35% | -734 bps | |
| Non-Interest Burden | 1.62% | 1.53% | 1.67% | 1.65% | 2.06% | 1.91% | 1.66% | 1.58% | -7 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 | 0.03% | 0.47% | 0.13% | 0.02% | 0.05% | 0.05% | 0.11% | 0.06% | +4 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 | |