FB Financial Balance Sheet

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
Cash & Equivalents	1,110	981.39	763.13	951.65	1,724
Investment Securities	942.19	816.68	631.03	520.24	480.31
Trading Asset Securities	24.32	29.95	34.74	48.77	27.38
Mortgage-Backed Securities	613	825.86	913.93	1,052	1,285
Total Investments	1,579	1,672	1,580	1,621	1,792
Gross Loans	12,409	9,623	9,425	9,313	7,621
Allowance for Loan Losses	-185.98	-151.94	-150.33	-134.19	-125.56
Net Loans	12,223	9,471	9,275	9,178	7,495
Property, Plant & Equipment	231.62	196.86	210.03	206.36	185.43
Goodwill	350.35	242.56	242.56	242.56	242.56
Other Intangible Assets	32.18	7.15	9.23	12.48	17.53
Loans Held for Sale	201.08	126.76	67.85	139.45	752.22
Accrued Interest Receivable	58.57	49.61	52.72	45.68	38.53
Other Receivables	48.67	42	26.19	27.11	43.83
Restricted Cash	30.68	20.96	14.04	23.33	57.87
Other Current Assets	20.01	16.02	13.59	9.28	12.37
Long-Term Deferred Tax Assets	12.82	21.6	31.63	42.41	-
Other Real Estate Owned & Foreclosed	9.57	6.85	4.33	6.15	9.78
Other Long-Term Assets	391.75	301.82	280.41	283.37	194.28
Total Assets	16,300	13,157	12,604	12,848	12,598
Accrued Expenses	28.88	26.9	18.41	13.59	22.14
Interest Bearing Deposits	10,557	8,644	7,685	7,623	7,793
Institutional Deposits	718.78	450.01	644.59	556.54	303.29
Non-Interest Bearing Deposits	2,634	2,116	2,218	2,677	2,740
Total Deposits	13,910	11,210	10,548	10,856	10,837
Short-Term Borrowings	123.37	45.88	276.98	325.17	61.72
Current Portion of Leases	9.12	-	-	-	-
Accrued Interest Payable	21.55	24.18	18.81	8.65	3.16
Long-Term Debt	28.1	31.36	21.23	26.21	-
Long-Term Leases	52.57	61.25	68.97	71.17	47.89
Trust Preferred Securities	83.67	130.7	129.65	126.1	129.54
Long-Term Deferred Tax Liabilities	-	-	-	-	6.82
Other Long-Term Liabilities	94.82	59.14	67.19	95.5	56.83
Total Liabilities	14,352	11,590	11,150	11,522	11,165
Common Stock	51.75	46.66	46.85	46.74	47.55
Additional Paid-In Capital	1,082	860.27	864.26	861.59	892.53
Retained Earnings	846.62	762.29	678.41	586.53	486.67
Comprehensive Income & Other	-32.55	-101.68	-134.73	-169.43	5.86
Total Common Equity	1,948	1,568	1,455	1,325	1,433
Minority Interest	0.09	0.09	0.09	0.09	0.09
Shareholders' Equity	1,948	1,568	1,455	1,326	1,433
Total Liabilities & Equity	16,300	13,157	12,604	12,848	12,598
Total Debt	296.83	269.2	496.82	548.66	239.15
Net Cash (Debt)	883.38	803.24	348.85	527.16	1,586
Net Cash Growth	9.98%	130.26%	-33.83%	-66.76%	51.76%
Net Cash Per Share	17.64	17.14	7.45	11.16	33.07
Filing Date Shares Outstanding	51.76	46.68	46.86	46.63	47.56
Total Common Shares Outstanding	51.75	46.66	46.85	46.74	47.55
Book Value Per Share	37.64	33.59	31.05	28.36	30.13
Tangible Book Value	1,566	1,318	1,203	1,070	1,173
Tangible Book Value Per Share	30.25	28.24	25.68	22.90	24.66

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

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