FB Financial Q2 2026 EPS $1.14, ROAA 1.44%
FB Financial Corp’s Q2 2026 investor presentation emphasizes solid profitability, strong capital and liquidity, and relatively conservative credit quality metrics.
Filing Impact
(Very High)
Filing Sentiment
(Neutral)
Form Type
8-K
Rhea-AI Filing Summary
FB Financial Corp (FBK) released a September 2026 fixed income investor presentation outlining its franchise, balance sheet and performance through June 30, 2026. The company reports total assets of $16.8 billion, loans held for investment of $12.9 billion, and deposits of $14.3 billion.
For second-quarter 2026, FB Financial reports ROAA of 1.44%, return on average tangible common equity of 14.6%, and a fully tax-equivalent net interest margin of 3.95%, with adjusted diluted EPS of $1.14. The efficiency ratio improved to 52.3% (52.0% adjusted). Asset quality metrics remain conservative, with an allowance for credit losses equal to 1.51% of loans, an annualized net charge-off ratio of about 0.06%, and nonperforming assets at 1.14% of total assets.
Capital and liquidity are highlighted as key strengths: the CET1 ratio is 11.0%, total capital ratio is 12.9%, and tangible common equity to tangible assets is 9.5%. Core deposits represent 95.2% of funding, noninterest-bearing deposits are 19.3% of total, and available liquidity sources provide about 2.43x coverage of uninsured and uncollateralized deposits. The presentation also details recent growth, including the 2025 merger with Southern States Bancshares and ongoing non-GAAP performance metrics, and states that it does not constitute an offer or solicitation of securities.
Positive
- Strong Q2 2026 profitability with ROAA of 1.44%, adjusted ROATCE of 15.0% and adjusted diluted EPS of $1.14, supported by a 3.95% net interest margin and a 52.0% adjusted efficiency ratio.
- Robust capital, liquidity and asset quality with a 11.0% CET1 ratio, 9.5% tangible common equity to tangible assets, 2.43x liquidity coverage of uninsured/uncollateralized deposits, and an annualized net charge-off ratio of about 0.06%.
Negative
- None.
Insights
Analyzing…
${decodeHTMLEntities(insight.a)}
