FB Financial Corp.
FB Financial Corporation operates FirstBank, a regional commercial bank providing retail and business banking, mortgage origination, wealth management, and specialty lending to consumers and businesses across the Sun Belt United States.
- Company typePublic
- Founded1906
- HeadquartersNashville, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What FB Financial Corp. does
FB Financial Corporation is a Tennessee-incorporated bank holding company that conducts business primarily through its wholly-owned subsidiary FirstBank, a regional commercial bank founded in 1906 and headquartered at 1221 Broadway in Nashville, Tennessee. The company serves retail consumers, small-to-medium businesses, and commercial clients across the Sun Belt, with primary operations in Tennessee, Alabama, North Carolina, and other Southern states. FB Financial is publicly traded on the NYSE under ticker FBK and carried a market capitalization of approximately $2.82 billion as of April 2026.
FirstBank operates a full-service banking platform delivered through physical branches, digital channels (mobile app, online banking, text banking, digital payments), and specialized lending divisions. The product portfolio spans consumer and commercial deposit accounts, consumer and commercial lending, mortgage origination across retail, ConsumerDirect, correspondent, and reverse channels, wealth management through Investment Partners, trust and estate services, treasury management, and a niche manufactured housing lending program. The technology stack is described as a traditional banking platform augmented by standard digital banking capabilities; no proprietary AI/ML, custom models, or differentiated technology architecture is disclosed.
Revenue is generated primarily through net interest income from the $12.50 billion loan portfolio funded by $14.08 billion in deposits, supplemented by non-interest income from mortgage banking, service charges, wealth, and other banking fees. For Q1 2026, the company reported total revenue of $172.34 million (+31.89% year-over-year), net interest income of $145.97 million, and net income of $122.62 million, with a net interest margin of 3.94%, efficiency ratio of 55.2%, and net charge-offs of 0.11% of average loans. The CET1 capital ratio stood at 11.5% on $16.47 billion of total assets. The company has paid dividends for 33 consecutive quarters and raised the dividend for 8 consecutive years.
FB Financial Corp. firmographics
Firmographics- Name
- FB Financial Corp.
- Legal name
- FB Financial Corporation
- Website
- https://investors.firstbankonline.com
- Company type
- Public
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- FB Financial Corporation operates FirstBank, a regional commercial bank providing retail and business banking, mortgage origination, wealth management, and specialty lending to consumers and businesses across the Sun Belt United States.
- Ownership category
- akta.pro rank
FB Financial Corp. industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
Keywords
Where FB Financial Corp. is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FB Financial Corp. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Interest income from loans held for investment minus interest expense on deposits. Represents the primary revenue driver for the bank, with Q1 2026 net interest income of $145.97 million. Revenue is generated through lending activities across commercial, consumer, and mortgage portfolios.
- Non-Interest Income: Fees and other income including mortgage banking revenue, service charges, and other banking fees. Complements net interest income to form total revenue.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
FB Financial Corp. product offering
Product offeringCore offering
FB Financial Corporation is the holding company for FirstBank, a regional bank providing a full range of financial services. Core offerings include retail consumer banking (checking, savings, debit and credit cards, personal lending), commercial banking (business checking, commercial lending, treasury management), mortgage origination (retail, ConsumerDirect, reverse, and correspondent lending), investment services through Investment Partners, and trust and estate services. Revenue is driven primarily by net interest income on its $12.50 billion loan portfolio and complemented by non-interest fee income.
Product overview
FB Financial Corporation operates FirstBank, a regional bank holding company providing a comprehensive suite of banking products through a platform-plus-modules architecture. The core platform is FirstBank, which offers personal and business banking services including checking accounts, savings products, and lending. This core is augmented by specialized divisions: FirstBank Mortgage (with ConsumerDirect and Reverse Mortgage sub-brands) for mortgage lending, Investment Partners for wealth management, Trust Services for fiduciary services, Treasury Management for business cash management, and Manufactured Homes Lending for specialty lending. Digital access is provided through Mobile Banking App, Online Banking, and Digital Payments modules. The company serves retail and commercial customers across the Southern United States.
Differentiator
Problem solved
Functional benefit
Brands
- FirstBank: Primary banking brand offering personal banking, business banking, mortgage lending, and trust services
- FirstBank Mortgage
- ConsumerDirect Mortgage
- Investment Partners
Products and services
- Personal Banking Services FirstBank Personal Banking provides checking accounts (Essential Checking, FirstRewards Checking, Interest Checking, USA Checking for seniors 62+), savings products (Basic Savings, Christmas Club, Health Savings Account, FirstRate Money Market, Money Market Tiered, UTMA-Minor Savings), personal lending, debit and credit cards, and personal services for individual consumers.
- Business Banking Services FirstBank Business Banking offers business checking and deposit products (FirstBusiness Checking, FirstCommercial Checking, Public Funds Interest Checking, Commercial Money Market Tiered), business lending, treasury management, online banking, business debit and credit cards, and business services for commercial customers.
- FirstBank Mortgage FirstBank Mortgage is the mortgage lending division of FirstBank, providing home purchase and refinance loans through retail channels, ConsumerDirect, reverse mortgage, and correspondent lending partners.
- ConsumerDirect Mortgage ConsumerDirect Mortgage is a direct-to-consumer mortgage platform under FirstBank Mortgage that enables borrowers to apply for mortgages online without visiting a branch.
- Reverse Mortgage Reverse Mortgage is a specialized mortgage product offered by FirstBank for homeowners aged 62 and older, allowing them to convert home equity into cash without monthly mortgage payments.
- Correspondent Mortgage Lending Correspondent Lending is the wholesale mortgage channel of FirstBank Mortgage that purchases loans originated by partner lenders and supports Mortgage Partner Services.
- Treasury Management Treasury Management provides cash management and treasury services for business customers, including merchant services, cash concentration, and payment processing.
- Investment Partners Investment Partners provides wealth management and investment services for FirstBank customers, including brokerage and advisory services delivered through a dedicated investment team.
- Trust Services Trust Services provides fiduciary services to FirstBank customers, including estate administration, trust management, and wealth transfer planning.
- Manufactured Homes Specialty Lending Manufactured Homes is a specialty lending program of FirstBank that provides financing for manufactured housing, serving retailers, community owners, and individual homeowners.
Quantifiable outcome
- Net interest margin of 3.94% in Q1 2026, demonstrating effective asset-liability management
- +3 more outcomes
Companies that use FB Financial Corp.
Customer profileSegments5 records
Ideal customer profiles4 records
FB Financial Corp. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FB Financial Corp. partnerships and signals
Strategic signalScale indicators13 records
Recent moves5 records
Expansion highlights5 records
FB Financial Corp. competitors and assessment
Company assessmentDirect peers
- Synovus Financial: Columbus, Georgia-based regional bank holding company (SNV) serving the Southeast with comparable commercial and retail banking products and similar Sun Belt geographic footprint.
- Atlantic Union Bankshares: Mid-Atlantic regional bank (AUB) with comparable size, commercial banking orientation, and similar M&A-driven growth strategy across the Southeast.
- Pinnacle Financial Partners: Nashville-headquartered regional bank holding company (PNFP) operating across Tennessee, the Carolinas, and Virginia with comparable full-service commercial and retail banking and similar Sun Belt M&A-driven growth strategy.
- First Horizon Corporation: Tennessee-based regional bank holding company (FHN) with overlapping deposit franchise, commercial lending focus, and similar client segments in the Southeast. Direct competitor in Nashville and broader Tennessee markets.
- Renasant Corporation: Mississippi-headquartered Southeast regional bank (RNST) with community-banking model, comparable loan and deposit mix, and similar M&A-driven expansion across the Sun Belt.
- Trustmark Corporation: Mississippi-based regional bank (TRMK) offering commercial banking, mortgage, and wealth management across the Southeast, with overlapping customer profile and product mix.
- Simmons First National Corporation: Arkansas-headquartered regional bank (SFNC) of similar size with comparable full-service banking platform and active M&A history across Southern and Midwestern markets.
- Cadence Bank: Houston-based regional bank (CADE) with similar size, commercial banking focus, and Sun Belt geographic footprint, competing for the same mid-market and consumer segments.
Broad incumbents
- Regions Financial Corporation: Large Southeast regional bank holding company (RF) with substantial overlap in geography and product offering, but much larger scale and broader national presence serving as a key incumbent competitor.
- Truist Financial Corporation: Top-10 U.S. bank (TFC) formed from BB&T-SunTrust merger with deep Sun Belt branch presence and overlapping commercial and consumer product set; broader incumbent competing for the same customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
FB Financial Corp. social profiles
Digital presenceFB Financial Corp. financial estimates
Financial estimateRevenue estimate
Valuation estimate
FB Financial Corp. leadership team
Management profileNumber of profiles
Profiles4 records
FB Financial Corp. subsidiaries and ownership
Company hierarchySubsidiaries2 records
FB Financial Corp. funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FB Financial Corp. M&A and investment
M&A and investmentM&A5 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FB Financial Corp.
What does FB Financial Corp. do?
FB Financial Corporation is the holding company for FirstBank, a regional bank providing a full range of financial services. Core offerings include retail consumer banking (checking, savings, debit and credit cards, personal lending), commercial banking (business checking, commercial lending, treasury management), mortgage origination (retail, ConsumerDirect, reverse, and correspondent lending), investment services through Investment Partners, and trust and estate services. Revenue is driven primarily by net interest income on its $12.50 billion loan portfolio and complemented by non-interest fee income.
Is FB Financial Corp. a public or private company?
FB Financial Corp. is a public company. It is classified as public and is currently operating.
When was FB Financial Corp. founded?
FB Financial Corp. was founded in 1906. It employs 1,001 to 5,000 people.
Where is FB Financial Corp. based?
FB Financial Corp. is headquartered in Nashville, United States, in the North America region.
How does FB Financial Corp. make money?
Two revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income.
Who are FB Financial Corp.'s main competitors?
Direct peers on record are Synovus Financial, Atlantic Union Bankshares, Pinnacle Financial Partners, First Horizon Corporation, Renasant Corporation, Trustmark Corporation, Simmons First National Corporation and Cadence Bank. Broad incumbents are Regions Financial Corporation and Truist Financial Corporation.
Does FB Financial Corp. have an API?
No public API is recorded for FB Financial Corp..
What industry is FB Financial Corp. in?
FB Financial Corp.'s product category is Commercial Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 522110 and its SIC code is 6022.