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Get filing alertsFB Financial reports Q2 2026 results: NII up to $149.8M, executes 3% share buyback
Filed July 27, 2026 · Period ending July 27, 2026 · ~1 min read
Key Changes
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Q2 2026 net interest income rose to $149.8M (3.95% margin) from $146.8M in Q1, driven by loan growth and stable contractual rates; adjusted ROAA 1.45%, adjusted ROATCE 15.1%.
Exhibit 99.1 view on EDGAR → -
high
Loans held for investment grew $362M to $12.87B (11.6% annualized), led by CRE non-owner-occupied (+$147M), residential real estate (+$146M), and multifamily (+$51M).
Exhibit 99.1 view on EDGAR → -
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Deposits grew to $14.3B (7.70% annualized) while cost of deposits declined to 2.26% from 2.27% in Q1; customer deposits up $159M with minimal brokered funding.
Exhibit 99.1 view on EDGAR → -
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Executed share repurchases totaling ~3% of shares outstanding in Q2; total risk-based capital ratio 12.9%, CET1 ratio 11.0%.
Exhibit 99.1 view on EDGAR → -
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Allowance for credit losses increased to $194.0M (1.51% coverage); $10.1M provision driven by loan growth, two individually assessed loans, and modestly softer economic forecast; NCO ratio 0.06%.
Exhibit 99.1 view on EDGAR →
Summary
FB Financial disclosed Q2 2026 financial results via investor presentation slides furnished ahead of the Keefe, Bruyette & Woods Summer Bank Conference. The quarter showed solid operating momentum: net interest income climbed to $149.8 million on a 3.95% margin, up from $146.8 million in Q1, as loan growth and stable contractual rates more than offset lower cash balances and reduced accretion.
Loans held for investment expanded $362 million (11.6% annualized) to $12.87 billion, concentrated in CRE non-owner-occupied, residential real estate, and multifamily. Deposits grew at a 7.70% annualized pace to $14.3 billion while the cost of deposits edged down to 2.26%, reflecting the company's customer-focused funding strategy with minimal brokered reliance.
The company deployed capital aggressively, repurchasing approximately 3% of shares outstanding during the quarter while maintaining strong regulatory ratios (12.9% total risk-based capital, 11.0% CET1). Credit quality remained stable: the allowance for credit losses rose to $194.0 million (1.51% coverage) on a $10.1 million provision driven primarily by loan growth, two individually assessed credits, and a modestly softer economic forecast, while the net charge-off ratio of 0.06% stayed in line with historical norms. The combination of double-digit annualized loan growth, margin expansion, declining deposit costs, and material buyback activity suggests the bank is executing well in the current rate environment.
Section-by-Section Diff
Event · Item 7.01 — Regulation FD Disclosure
FB Financial Corp furnished investor presentation slides for the Keefe, Bruyette & Woods Summer Bank Conference on July 28, 2026.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
On Tuesday, July 28, 2026, members of the management team of FB Financial Corporation (the “Company”) will be presenting at the Keefe, Bruyette & Woods Summer Bank Conference (the “KBW Conference”). A copy of the slide presentation to be used by the Company at the KBW Conference is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
The company is presenting at an industry conference and has furnished the presentation slides as an exhibit. This is a routine disclosure under Regulation FD to ensure equal access to information shared at investor events.
Event · Exhibit 99.1
FB Financial Corp filed its 2026 Third Quarter Investor Presentation disclosing Q2 2026 financial results and operational metrics.
Added in current filing · view on EDGAR → · paraphrased
$149.8 ... 3.95% ... 2Q26 Net Interest Income ... Adj ROAA1 Adj ROATCE1 Total Assets 1.45% 15.1% $16.8 bn
FB Financial reported Q2 2026 net interest income of $149.8 million with a net interest margin of 3.95%, up from $146.8 million in Q1 2026. Adjusted return on average assets was 1.45% and adjusted return on average tangible common equity was 15.1%, with total assets of $16.8 billion. Loan growth and stable contractual loan rates drove higher interest income, partially offset by lower cash balances and reduced loan accretion. Note: these figures were previously disclosed in the company's Jul 13, 2026 8-K.
Added in current filing · view on EDGAR →
$9.87 $12.30 $12.38 $12.50 $12.87 ... 2Q25 3Q25 4Q25 1Q26 2Q26 Loans HFI / Total Yield ($ billions) ... Total Loans HFI up $362 million, or 11.6% annualized
Total loans held for investment grew $362 million in Q2 2026 to $12.87 billion, representing 11.6% annualized growth. Key growth categories included CRE non-owner-occupied (+$147 million), residential real estate (+$146 million), and multifamily mortgage (+$51 million). Loan yields declined slightly to 6.48% due to lower loan accretion, while contractual rates remained stable. Note: these figures were previously disclosed in the company's Jul 13, 2026 8-K.
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Figures/quotes linked to EDGAR · Narrative written by AI · Jul 28, 2026 · How we verify