| Schedule of Actual and Required Capital Amounts and Ratios |
Actual and required capital amounts and ratios are included below as of the dates indicated. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | September 30, 2026 | | 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 | | $ | 2,041,720 | | | 13.6 | % | | | | | | $ | 1,577,202 | | | 10.5 | % | | N/A | | N/A | | FirstBank | | 1,992,455 | | | 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/A | | N/A | | FirstBank | | 1,804,717 | | | 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/A | | N/A | | FirstBank | | 1,804,717 | | | 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/A | | N/A | | FirstBank | | 1,804,717 | | | 11.0 | % | | | | | | 655,843 | | | 4.0 | % | | $ | 819,804 | | | 5.0 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 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 | | $ | 1,888,051 | | | 13.2 | % | | | | | | $ | 1,496,600 | | | 10.5 | % | | N/A | | N/A | | FirstBank | | 1,830,102 | | | 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/A | | N/A | | FirstBank | | 1,653,113 | | | 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/A | | N/A | | FirstBank | | 1,653,113 | | | 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/A | | N/A | | FirstBank | | 1,653,113 | | | 10.5 | % | | | | | | 631,928 | | | 4.0 | % | | $ | 789,910 | | | 5.0 | % | |
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