FB Financial’s 2025 growth soars after Southern States Bancshares takeover
FB Financial Corporation has released its financial results for the fourth quarter and full year of 2025. The report, published on January 22, 2026, highlights strong growth following the company’s acquisition of Southern States Bancshares, Inc. in mid-2025. Filings show the deal expanded FB Financial’s operations by roughly 20%.
The acquisition of Southern States Bancshares was completed in 2025, with unaudited financial statements submitted for June 30 and September 30 of that year. This move significantly increased the company’s scale, boosting loans held for investment by 29% and deposits by 25% compared to 2024.
For the fourth quarter, FB Financial reported net interest income of $150.6 million and a net interest margin of 3.98%. Pretax, pre-provision net revenue reached $71.1 million, or $77.1 million when adjusted. Earnings per share (EPS) came in at $1.07 on a GAAP basis and $1.16 when adjusted. Over the full year, adjusted EPS totalled $3.99, while GAAP EPS was $2.45. The company’s return on average tangible common equity stood at 14.4% (15.9% adjusted), and return on average assets was 1.4% (1.51% adjusted).
FB Financial’s 2025 performance reflects the impact of its Southern States Bancshares acquisition. The deal contributed to substantial growth in loans and deposits, alongside improved earnings metrics. The company’s latest financials confirm a 20% increase in overall size since the takeover.
