FB Financial (FBK) Q4 2025 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Thu, January 22, 2026 astatine 9:17 AM CST 39 min read

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Jan. 22, 2026, 9 a.m. ET

• President and Chief Executive Officer — Christopher T. Holmes

• Chief Operating and Financial Officer — Michael M. Mettee

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Mike Orcutt: Hosting the telephone contiguous from FB Financial are Christopher T. Holmes, President and Chief Executive Officer, and Michael M. Mettee, Chief Operating and Financial Officer. Please note, FB Financial's net merchandise and supplemental fiscal information, and this morning's presumption are disposable connected the Investor Relations leafage of the company's website astatine www.firstbankonline.com and connected the SEC's website astatine www.sec.gov. Today's telephone is being recorded and volition beryllium disposable for replay connected FB Financial's website astir an hr aft the decision of the call. At this time, each participants person been placed successful a listen-only mode. The telephone volition beryllium unfastened for questions aft the presentation.

During this presentation, FB Financial whitethorn marque comments which represent forward-looking statements nether the national securities laws. Forward-looking statements are based connected management's existent expectations and assumptions and are taxable to risks, uncertainties, and different factors that whitethorn origin existent results and show oregon achievements of FB Financial to disagree materially from immoderate results expressed oregon implied by specified forward-looking statements. Many of specified factors are beyond FB Financial's quality to power oregon predict, and listeners are cautioned not to enactment undue reliance connected specified forward-looking statements.

A much elaborate statement of these and different risks that whitethorn origin existent results to materially disagree from expectations is contained successful FB Financial's periodic and existent reports filed with the SEC, including FB Financial's astir caller Form 10-K. Except arsenic required by law, FB Financial disclaims immoderate work to update oregon revise immoderate forward-looking statements contained successful this presentation, whether arsenic a effect of caller information, aboriginal events, oregon otherwise. In addition, these remarks whitethorn see definite non-GAAP fiscal measures arsenic defined by SEC rules.

A presumption of the astir straight comparable GAAP fiscal measurement and a reconciliation of non-GAAP measures to comparable GAAP measures is disposable successful FB Financial's net release, supplemental fiscal information, and this morning's presentation, which are disposable connected the Investor Relations leafage of the company's website astatine www.firstbankonline.com and connected the SEC's website astatine www.sec.gov. I would similar to present crook the presumption implicit to Mr. Christopher T. Holmes, FB Financial's President and CEO.