v3.26.3
Minimum Capital Requirements
 9 Months Ended
Sep. 30, 2026
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Minimum Capital Requirements 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, 2026 and December 31, 2025, 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, 2026
ActualMinimum Requirement for Capital Adequacy with
Capital Buffer		To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
Total capital (to risk-weighted assets)
FB Financial Corporation$2,041,720 13.6 %$1,577,202 10.5 %N/AN/A
FirstBank1,992,455 13.3 %1,574,939 10.5 %$1,499,942 10.0 %
Tier 1 capital (to risk-weighted assets)
FB Financial Corporation$1,645,994 11.0 %$1,276,782 8.5 %N/AN/A
FirstBank1,804,717 12.0 %1,274,950 8.5 %$1,199,953 8.0 %
Common equity tier 1 capital
   (to risk-weighted assets)
FB Financial Corporation$1,645,994 11.0 %$1,051,468 7.0 %N/AN/A
FirstBank1,804,717 12.0 %1,049,959 7.0 %$974,962 6.5 %
Tier 1 capital (to average assets)
FB Financial Corporation$1,645,994 10.0 %$657,268 4.0 %N/AN/A
FirstBank1,804,717 11.0 %655,843 4.0 %$819,804 5.0 %
December 31, 2025ActualMinimum Requirement for Capital Adequacy with
Capital Buffer		To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions
AmountRatioAmountRatioAmountRatio
Total capital (to risk-weighted assets)
FB Financial Corporation$1,888,051 13.2 %$1,496,600 10.5 %N/AN/A
FirstBank1,830,102 12.9 %1,484,360 10.5 %$1,413,676 10.0 %
Tier 1 capital (to risk-weighted assets)
FB Financial Corporation$1,625,952 11.4 %$1,211,534 8.5 %N/AN/A
FirstBank1,653,113 11.7 %1,201,625 8.5 %$1,130,941 8.0 %
Common equity tier 1 capital
(to risk-weighted assets)
FB Financial Corporation$1,625,952 11.4 %$997,734 7.0 %N/AN/A
FirstBank1,653,113 11.7 %989,573 7.0 %$918,889 6.5 %
Tier 1 capital (to average assets)
FB Financial Corporation$1,625,952 10.3 %$633,378 4.0 %N/AN/A
FirstBank1,653,113 10.5 %631,928 4.0 %$789,910 5.0 %