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Sep 30, 2025
FB Financial Q3 2025 Earnings Report
FB Financial reported stronger profitability and margin expansion driven by its merger with Southern States in Q3 2025.
Key Takeaways
FB Financial delivered a solid quarter, with net income rising significantly from the previous quarter. Revenue and margins improved notably due to strategic actions and the completed Southern States merger.
Reported net income of $23,375,000, a strong increase from the prior quarter.
Adjusted EPS rose to $1.07, up from $0.88 in Q2.
Net interest margin expanded to 3.95%, aided by balance sheet optimization.
Loans HFI and total deposits surged due to the Southern States merger.
Revenue by Segment
Forward Guidance
Management expressed confidence in continued momentum, highlighting merger integration benefits and strategic execution going into Q4.
Positive Outlook
- Continued margin expansion expected in Q4 from recent debt redemption.
- Improved scale and profitability from the Southern States merger.
- Loan growth expected to remain within targeted range.
- Disciplined deposit cost management to support net interest income.
- Strong capital position allows flexibility for future opportunities.
Challenges Ahead
- Deposit cost pressures from higher-rate acquired deposits.
- Elevated merger and integration costs may continue in near term.
- Slight decline in organic deposit growth excluding merger impact.
- Economic uncertainties could affect credit quality and loan demand.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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