FB Financial Corporation (FBK) Q2 2026 Earnings Call Transcript
FB Financial Corporation delivered a solid Q2, with sequential improvements in net income and EPS, despite a slight miss on consensus estimates. Loan and deposit growth remained robust, driven by commercial and residential real estate, while net interest margin and efficiency ratios improved. Asset quality was strong, with net charge-offs declining, though nonperforming loans and assets ticked up modestly—an area to monitor closely.
FB Financial NYSE: FBK reported higher second-quarter 2026 earnings and balance sheet growth, with management pointing to broad-based loan demand across its Southeast footprint while acknowledging continued pressure from competition for deposits and lending relationships.
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| CE Curtis Ellergodt Rothschild Investment LLC | 66 | $3,078.04 | $3,886.08 | $808.04 | 26.25% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 20 | $1,038.8 | $1,179.2 | $140.4 | 13.52% |
| BG Bart Gancher Intech Investment Management LLC | 10,452 | $516,429.74 | $616,249.92 | $99,820.18 | 19.33% |
Private Capital Private Capital Management | 57,088 | $3.18M | $3.37M | $186,677.91 | 5.87% |
| YA Yinka Akinsola Blue Trust Inc. | 5,168 | $245,413.46 | $304,963.68 | $59,550.22 | 24.27% |
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| BR Brett Rabatin Hovde Group | 847.89 | $47,049.35 | $50,000 | $2,950.65 | 6.27% |
| Banks Industry | Financials Sector | Christopher T. Holmes CEO | NYSE Exchange | 30257X104 CUSIP |
| US Country | 1,490 Employees | 26 May 2026 Last Dividend | - Last Split | 16 Sep 2016 IPO Date |
FB Financial Corporation serves the financial needs of businesses, professionals, and individuals as a bank holding company for FirstBank, offering a broad range of commercial and consumer banking services. The company operates primarily in two segments: Banking and Mortgage. Initially known as First South Bancorp, Inc., the institution underwent a name change to FB Financial Corporation in 2016, signifying its growth and expansion. Founded in 1906, FB Financial Corporation has established its headquarters in Nashville, Tennessee, and has expanded its operations to include a wide network of full-service bank branches and mortgage offices throughout the southeastern United States, including, but not limited to, Tennessee, Alabama, and Kentucky.
FB Financial Corporation offers a comprehensive suite of banking services including checking, demand, money market, and savings accounts tailored to meet the needs of corporate, commercial, and consumer clients. The company also provides a wide array of deposit and lending products and services, including time deposits and certificates of deposits.
The company's loan portfolio encompasses a wide variety of loans catering to different needs. These include residential mortgage loans, commercial and industrial loans, land acquisition and development loans, construction loans, residential lines of credit, and consumer loans for vehicles, boats, recreational vehicles, and manufactured homes without real estate. Additionally, FB Financial Corporation provides personal lines of credit to its customers.
A significant part of FB Financial Corporation's services is its mortgage banking operations. The company serves its customers through a network of bank branches and mortgage banking offices across the southeastern United States, supplemented by a direct-to-consumer internet delivery channel. This segment effectively meets the residential mortgage lending needs of its customer base.
Beyond traditional banking and mortgage services, FB Financial Corporation also offers trust, insurance, and investment services to its clients. These services are designed to provide comprehensive financial solutions under one roof. Furthermore, the company emphasizes convenience and accessibility through its online and mobile banking services, enabling customers to manage their finances efficiently and securely.