Catherine Mealor

Russell Gunther

Brett Rabatin

Stephen Scouten

Christopher Marinac

Steve Moss

Stephen Moss

- FB Financial Corporation's management will present at the Raymond James U.S. Bank Conference on **September 3, 2025**, utilizing a Third Quarter 2025 Investor Presentation.  **[1649749_0001649749-25-000194_fbk-20250902.htm:1]** **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:1]** 
- The company completed its merger with Southern States Bancorp Inc., which had **$2.9 billion in Total Assets**, in **July 2025**.  **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:7]**  On a pro forma combined basis, the company is projected to have **$16.0 billion in Total assets**, **$12.2 billion in Total loans**, and **$13.6 billion in Total deposits**.  **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:6]** 
- For **Q2 2025**, FB Financial reported **$13.4 billion in Total assets**, **$10.0 billion in Total loans**, and **$11.4 billion in Total deposits**.  **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:6]** **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:7]**  Key profitability metrics included an Adjusted Return on Average Assets (ROAA) of **1.24%** and an Adjusted Return on Average Tangible Common Equity (ROATCE) of **12.4%**.  **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:7]** **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:8]** 
- Net Interest Income (NII) for **Q2 2025** was **$112.2 million** with a Net Interest Margin (NIM) of **3.68%**.  **[1649749_0001649749-25-000194_a922025raymondjamesbankc.htm:9]**  The Common Equity Tier 1 capital ratio stood at **12.3%**.   
- The company executed **~$34 million** in share buybacks during **Q2 2025**.

FB Financial (FBK)