Minimum Capital Requirements

9 Months Ended

Sep. 30, 2025

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Minimum capital requirements

Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action.

Under regulatory guidance for non-advanced approach institutions, the Bank and Company are required to maintain minimum capital ratios as outlined in the table below. Minimum risk-based capital adequacy ratios below include a capital conservation buffer of 2.50%. As of September 30, 2025 and December 31, 2024, the Bank and Company met all capital adequacy requirements to which they are subject. Additionally, under U.S. Basel III Capital Rules, the Bank and Company opted out of including accumulated other comprehensive income in regulatory capital.

Actual and required capital amounts and ratios are included below as of the dates indicated.


September 30, 2025	Actual				Minimum Requirement for Capital Adequacy with Capital Buffer			To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio		Amount		Ratio

Total Capital (to risk-weighted assets)
FB Financial Corporation	$	1,923,161	13.6	%		$	1,488,143	10.5	%	N/A		N/A
FirstBank	1,863,890		13.3	%		1,475,854		10.5	%	$	1,405,575	10.0	%
Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation	$	1,662,376	11.7	%		$	1,204,687	8.5	%	N/A		N/A
FirstBank	1,687,888		12.0	%		1,194,739		8.5	%	$	1,124,460	8.0	%
Common Equity Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation	$	1,662,376	11.7	%		$	992,095	7.0	%	N/A		N/A
FirstBank	1,687,888		12.0	%		983,903		7.0	%	$	913,624	6.5	%
Tier 1 Capital (to average assets)
FB Financial Corporation	$	1,662,376	10.6	%		$	628,731	4.0	%	N/A		N/A
FirstBank	1,687,888		10.8	%		626,042		4.0	%	$	782,552	5.0	%


December 31, 2024(1)	Actual				Minimum Requirement for Capital Adequacy with Capital Buffer			To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio		Amount		Ratio

Total Capital (to risk-weighted assets)
FB Financial Corporation	$	1,721,941	15.2	%		$	1,187,163	10.5	%	N/A		N/A
FirstBank	1,650,305		14.7	%		1,175,095		10.5	%	$	1,119,138	10.0	%
Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation	$	1,480,722	13.1	%		$	961,037	8.5	%	N/A		N/A
FirstBank	1,410,505		12.6	%		951,267		8.5	%	$	895,310	8.0	%
Common Equity Tier 1 Capital (to risk-weighted assets)
FB Financial Corporation	$	1,450,722	12.8	%		$	791,442	7.0	%	N/A		N/A
FirstBank	1,410,505		12.6	%		783,397		7.0	%	$	727,440	6.5	%
Tier 1 Capital (to average assets)
FB Financial Corporation	$	1,480,722	11.3	%		$	522,557	4.0	%	N/A		N/A
FirstBank	1,410,505		10.8	%		521,538		4.0	%	$	651,923	5.0	%
(1) The Company adopted CECL on January 1, 2020, and the December 31, 2024 regulatory capital ratios reflect the final year of the Company's election of the five-year transition provision.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

FB Financial Corp 10-Q