FB Financial Corp (NYSE: FBK) is a bank holding company that operates FirstBank, a commercial banking subsidiary. The company makes money primarily through net interest income on loans and deposits, and through mortgage-related fee income including mortgage servicing rights. The filing excerpts identify FBK as listed on the NYSE and reference FirstBank as the subsidiary bank, with operations tied to metropolitan statistical areas. The glossary in the 10-K filed 2026-02-26 references mortgage-backed securities, mortgage servicing rights, certificates of deposit, Federal Home Loan Bank relationships, and allowance for credit losses as core operational concepts, pointing to a traditional community and regional banking model with a meaningful mortgage banking component. Capital structure details, segment revenue percentages, customer counts, and competitor names are not supported by the available filing excerpts and are omitted.

Revenue model

Net interest income from loans and deposits, supplemented by fee income from mortgage banking activities including mortgage servicing rights, as indicated by the 10-K filed 2026-02-26.

Products and services

Commercial banking services through FirstBank subsidiary; certificates of deposit; mortgage-backed securities; mortgage servicing rights (MSRs); bank-owned life insurance (BOLI). Per the 10-K filed 2026-02-26.

Customers and end markets

Not supported by the available filing excerpts.

Value-chain role

Bank holding company and deposit-taking, loan-originating commercial bank; mortgage originator and servicer through FirstBank subsidiary.

Geographic exposure

Operations tied to metropolitan statistical areas (MSAs); specific states or regions not detailed in the available filing excerpts.

Source: SEC 10-K, filed 2026-02-26

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