FB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	731.92	626.4	599.2	436.36	359.26
Interest Income on Investments	102	99.14	79.22	45.06	25.74
Total Interest Income	833.93	725.54	678.41	481.42	385
Interest Paid on Deposits	309.21	296.35	258.82	56.64	30.19
Interest Paid on Borrowings	8.62	12.69	12.37	12.55	7.44
Total Interest Expense	317.83	309.04	271.19	69.19	37.63
Net Interest Income	516.1	416.5	407.22	412.24	347.37
Net Interest Income Growth (YoY)	23.91%	2.28%	-1.22%	18.67%	30.76%
Mortgage Banking Activities	52.44	46.63	44.69	73.58	167.57
Gain (Loss) on Sale of Investments	-60.46	-56.38	-13.97	-0.38	0.32
Other Non-Interest Income	37.99	37.75	27.7	29.68	47.51
Total Non-Interest Income	43.91	39.07	70.54	114.67	228.26
Non-Interest Income Growth (YoY)	12.39%	-44.62%	-38.48%	-49.76%	-24.38%
Revenues Before Loan Losses	560.01	455.57	477.76	526.9	575.63
Provision for Loan Losses	43.28	12	2.54	18.98	-40.99
Revenue	516.73	443.57	475.22	507.92	616.62
Revenue Growth (YoY)	16.49%	-6.66%	-6.44%	-17.63%	34.18%
Salaries and Employee Benefits	217.72	174.33	193.06	201.63	238.04
Occupancy Expenses	28.09	24.54	26.4	21.96	21.3
Amortization of Goodwill & Intangibles	5.3	2.95	3.66	4.59	5.47
Selling, General & Administrative	27.47	35.52	38.51	47.01	44.78
Other Non-Interest Expense	75.84	59.56	63.29	60.7	63.97
Total Non-Interest Expense	354.41	296.9	324.93	335.89	373.57
EBT Excluding Unusual Items	162.32	146.67	150.29	172.03	243.05
Pretax Income	138.52	146.67	150.29	159.57	243.05
Income Tax Expense	15.88	30.62	30.05	35	52.75
Earnings From Continuing Operations	122.64	116.05	120.24	124.57	190.3
Minority Interest in Earnings	-0.02	-0.02	-0.02	-0.02	-0.02
Net Income	122.62	116.04	120.22	124.56	190.29
Net Income to Common	122.62	116.04	120.22	124.56	190.29
Net Income Growth	5.68%	-3.48%	-3.48%	-34.54%	199.09%
Basic Shares Outstanding	50	47	47	47	47
Diluted Shares Outstanding	50	47	47	47	48
Shares Change (YoY)	6.82%	0.11%	-0.88%	-1.49%	25.87%
EPS (Basic)	2.47	2.48	2.57	2.64	4.01
EPS (Diluted)	2.45	2.48	2.57	2.64	3.97
EPS Growth	-1.21%	-3.50%	-2.66%	-33.50%	137.73%
Dividend Per Share	0.760	0.680	0.600	0.520	0.440
Dividend Growth	11.77%	13.33%	15.38%	18.18%	22.22%
Effective Tax Rate	11.46%	20.88%	20.00%	21.93%	21.70%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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