FBK / FB Financial Corporation - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2025 FB FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2025 FB FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

September 3, 2025 Third Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

a922025raymondjamesbankc September 3, 2025 Third Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 14, 2025 FB FINANCIAL CORPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 14, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Second Quarter 2025 Financial Supplement

Second Quarter 2025 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Investments and Other Sources of Liquidity 11 Loan Portfolio 12 Asset Quality 13 Selected Deposit Data 14 Preliminary Capital Ratios 15 Segment Data 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

July 15, 2025 2025 Second Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

a2q25fbkearningspresenta July 15, 2025 2025 Second Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

FB Financial Corporation Reports Second Quarter 2025 Financial Results Reports Q2 Diluted EPS of $0.06, Adjusted Diluted EPS* of $0.88

FB Financial Corporation Reports Second Quarter 2025 Financial Results Reports Q2 Diluted EPS of $0.

UNAUDITED PRO FORMA COMBINED CONDENSED FINANCIAL INFORMATION

Exhibit 99.4 UNAUDITED PRO FORMA COMBINED CONDENSED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial statements are based on the separate historical financial statements of FB Financial Corporation (“FB Financial”) and Southern States Bancshares, Inc. (“Southern States”) after giving effect to the merger of Southern States with and into FB Financial, with FB Fin

Form of Subordinated Note Purchase Agreement, dated February 7, 2022, by and among Southern States Bancshares, Inc. and each Purchaser

Exhibit 4.4 Execution Version SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of February 7, 2022, and is made by and among Southern States Bancshares, Inc., an Alabama corporation (the “Company”), and the several purchasers of the Subordinated Notes identified on the signature pages hereto (each a “Purchaser” and collectively, the “Pur

Supplemental Indenture, dated July 1, 2025, by and among Southern States Bancshares, Inc., UMB Bank, N.A. and FB Financial Corporation to Indenture, dated February 7, 2022, by and between Southern States Bancshares, Inc. and UMB Bank, N.A., as trustee

Exhibit 4.2 SUPPLEMENTAL INDENTURE This SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of July 1, 2025, is entered into by and among Southern States Bancshares, Inc., an Alabama corporation (“Southern States”), FB Financial Corporation, a Tennessee corporation (“FB Financial”), and UMB Bank, N.A., a national association duly organized and existing under the laws of the United Sta

Supplemental Indenture, dated July 1, 2025, by and among Southern States Bancshares, Inc., UMB Bank, N.A. and FB Financial Corporation to Indenture, dated October 26, 2022, by and between Southern States Bancshares, Inc. and UMB Bank, N.A., as trustee

Exhibit 4.6 SUPPLEMENTAL INDENTURE This SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of July 1, 2025, is entered into by and among Southern States Bancshares, Inc., an Alabama corporation (“Southern States”), FB Financial Corporation, a Tennessee corporation (“FB Financial”), and UMB Bank, N.A., a national association duly organized and existing under the laws of the United Sta

Form of 7.00% Fixed-to-Floating Rate Subordinated Note due October 26, 2032 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.5 hereto)

Exhibit 4.5 Execution Version SOUTHERN STATES BANCSHARES, INC. As Issuer, and UMB BANK, N.A. As Trustee INDENTURE Dated as of October 26, 2022 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions. 1 Section 1.02 Compliance Certificates and Opinions. 10 Section 1.03 Form of Documents Delivered

FB Financial Announces Closing of Merger with Southern States Bancshares, Inc.

Exhibit 99.1 FB Financial Announces Closing of Merger with Southern States Bancshares, Inc. Company Release - 07/01/2025 FB Financial also announces the appointment of J. Henry Smith IV to its board of directors NASHVILLE, Tenn.-(BUSINESS WIRE)- FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, announced today that it has completed its merger with Southern Sta

Form of Subordinated Note Purchase Agreement, dated October 26, 2022, by and among Southern States Bancshares, Inc. and each Purchaser

Exhibit 4.8 Execution Version SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of October 26, 2022, and is made by and among Southern States Bancshares, Inc., an Alabama corporation (the “Company”), and the several purchasers of the Subordinated Notes identified on the signature pages hereto (each a “Purchaser” and collectively, the “Pur

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 99.2 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Board of Directors and Stockholders Southern States Bancshares, Inc. and Subsidiary Anniston, Alabama Opinion on the Financial Statements We have audited the accompanying consolidated statements of financial position of Southern States Bancshares, Inc. and Subsidiary (the “Company”) as of December 31, 2024 and 2023, and th

Form of 3.50% Fixed-to-Floating Rate Subordinated Note due February 7, 2032 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.1 hereto)

Exhibit 4.1 Execution Version SOUTHERN STATES BANCSHARES, INC. As Issuer, and UMB BANK, N.A. As Trustee INDENTURE Dated as of February 7, 2022 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions 10 Section 1.03 Form of Documents Delivered t

SOUTHERN STATES BANCSHARES, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (In thousands, except share amounts)

Exhibit 99.3 Item 1. Financial Statements SOUTHERN STATES BANCSHARES, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (In thousands, except share amounts) March 31, 2025 (Unaudited) December 31, 2024 (Audited) Assets Cash and due from banks $ 25,555 $ 27,321 Interest-bearing deposits in banks 127,430 153,833 Federal funds sold 76,390 79,080 Total cash and cash equivalents 229,37

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 1, 2025 FB FINANCIAL CORPORA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 1, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Form of 3.50% Fixed-to-Floating Rate Subordinated notes due 2031

  Exhibit 4.9   FORM OF SUBORDINATED NOTE   CBB BANCORP   THIS OBLIGATION (THIS “SUBORDINATED NOTE”) IS NOT A DEPOSIT AND IS NOT INSURED BY THE UNITED STATES OR ANY AGENCY OR FUND OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION. THIS OBLIGATION IS SUBORDINATED TO THE CLAIMS OF GENERAL AND SECURED CREDITORS OF THE COMPANY, IS INELIGIBLE AS COLLATERAL FOR ANY EXTENSION OF C

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 26, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ¨ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 A.Full title of the plan an

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 12, 2025 FB FINANCIAL CORPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 12, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

June 17, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking sta

June 17, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

FB Financial and Southern States Receive Final Regulatory Approvals for Merger

Exhibit 99.2 Joint Press Release for Immediate Release FB Financial and Southern States Receive Final Regulatory Approvals for Merger (NASHVILLE, Tenn. & ANNISTON, Ala.) June 12, 2025 — FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”) (Nasdaq: SSBK), the parent company of Southern States Bank, jointly a

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 12, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

June 17, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking sta

June 17, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

FB Financial and Southern States Receive Final Regulatory Approvals for Merger

Exhibit 99.2 Joint Press Release for Immediate Release FB Financial and Southern States Receive Final Regulatory Approvals for Merger (NASHVILLE, Tenn. & ANNISTON, Ala.) June 12, 2025 — FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”) (Nasdaq: SSBK), the parent company of Southern States Bank, jointly a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 3, 2025 FB FINANCIAL CORPORA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 3, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

June 4, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking stat

June 4, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

June 4, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking stat

June 4, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 3, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 22, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Joint Proxy Statement/Prospectus To the shareholders of FB Financial Corporation and Southern States Bancshares, Inc. PROPOSED MERGER — YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS  Filed Pursuant to Rule 424(b)(3)  Registration No. 333-287103 Joint Proxy Statement/Prospectus To the shareholders of FB Financial Corporation and Southern States Bancshares, Inc. PROPOSED MERGER — YOUR VOTE IS VERY IMPORTANT On behalf of the boards of directors of FB Financial Corporation (“FB Financial”) and Southern States Bancshares, Inc. (“Southern States”), we are pleased

Consent of Performance Trust Capital Partners LLC

Exhibit 99.2 May 19, 2025 Board of Directors Southern States Bancshares, Inc. 615 Quintard Avenue Anniston, AL 36201 Members of the Board of Directors: We hereby consent to the inclusion of our opinion letter, dated March 30, 2025, to the Board of Directors of Southern States Bancshares, Inc. as Annex B to, and to the reference thereto under the caption “Opinion of Southern States Bancshares, Inc.

Form of proxy to be mailed to stockholders of Southern States Bancshares, Inc.

Exhibit 99.5 A Proposals — The Board of Directors of Southern States Bancshares, Inc. recommends a vote FOR Proposals 1 and 2. 045LJD Proposal 1 – Approval of the Agreement and Plan of Merger, dated March 31, 2025, by and between FB Financial Corporation and Southern States Bancshares, Inc., and the transactions contemplated thereby, including the merger of Southern States Bancshares, Inc. with an

As filed with the Securities and Exchange Commission on May 19, 2025

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on May 19, 2025 Registration No.

Consent of Keefe, Bruyette & Woods, Inc.

Exhibit 99.1 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of FB Financial Corporation (“FB”), as Annex C to the Joint Proxy Statement/Prospectus which forms a part of the Amendment No. 1 to the Registration Statement on Form S-4 filed on the date hereof (the “Amendment No. 1 to Registration Statement”) relating to the p

Form of proxy to be mailed to shareholders of FB Financial Corporation

Exhibit 99.4 1UPX The Sample Company Proposals — The FB Financial board of directors unanimously recommends that holders of FB Financial common stock vote “FOR” the FB Financial share issuance proposal and “FOR” the FB Financial adjournment proposal. A 045OEB Please sign exactly as name(s) appears hereon. Joint owners should each sign. When signing as attorney, executor, administrator, corporate o

FB Financial Corporation 1221 Broadway, Suite 1300 Nashville, Tennessee 37203 May 19, 2025

FB Financial Corporation 1221 Broadway, Suite 1300 Nashville, Tennessee 37203 May 19, 2025 VIA EDGAR AND E-MAIL Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, D.

Consent of Keefe, Bruyette & Woods, Inc.

Exhibit 99.1 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of FB Financial Corporation (“FB”), as Annex C to the Joint Proxy Statement/Prospectus which forms a part of the Registration Statement on Form S-4 filed on the date hereof (the “Registration Statement”) relating to the proposed merger of Southern States Bancshar

As filed with the Securities and Exchange Commission on May 8, 2025

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on May 8, 2025 Registration No.

Consent of Performance Trust Capital Partners LLC

Exhibit 99.2 May 8, 2025 Board of Directors Southern States Bancshares, Inc. 615 Quintard Avenue Anniston, AL 36201 Members of the Board of Directors: We hereby consent to the inclusion of our opinion letter, dated March 30, 2025, to the Board of Directors of Southern States Bancshares, Inc. as Annex B to, and to the reference thereto under the caption “Opinion of Southern States Bancshares, Inc.’

Filing Fee Table

Calculation of Filing Fee Tables S-4 FB Financial Corp Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common stock, par value $1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCI

The following article, dated as of April 16, 2025, was published in the American Banker, and quoted Christopher T. Holmes, President and CEO of FB Financial Corporation.

Filed by FB Financial Corporation pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southern States Bancshares, Inc.

April 15, 2025 2025 First Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

April 15, 2025 2025 First Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 14, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

First Quarter 2025 Financial Supplement

First Quarter 2025 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 6 Average Balance and Interest Yield/Rate Analysis 7 Investments and Other Sources of Liquidity 9 Loan Portfolio 10 Asset Quality 11 Selected Deposit Data 12 Preliminary Capital Ratios 13 Segment Data 14 Non-GAAP Reconciliations 15 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports First Quarter 2025 Financial Results Reports Q1 Diluted EPS of $0.84, Adjusted Diluted EPS* of $0.85

FB Financial Corporation Reports First Quarter 2025 Financial Results Reports Q1 Diluted EPS of $0.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

2024 A N N U A L R E P O R T LOCAL. LASTING. LIMITLESS. BR_Annual Report 2024_Wrap_FINAL.indd 1 4/2/25 1:15 PM BR_Annual Report 2024_Wrap_FINAL.indd 2 4/2/25 1:15 PM SINCE 1906, WE’VE BROUGHT OUR CUSTOMERS AND COMMUNITIES CLOSER TO THEIR DREAMS BY GR

2024 A N N U A L R E P O R T LOCAL. LASTING. LIMITLESS. BRAnnual Report 2024WrapFINAL.indd 1 4/2/25 1:15 PM BRAnnual Report 2024WrapFINAL.indd 2 4/2/25 1:15 PM SINCE 1906, WE’VE BROUGHT OUR CUSTOMERS AND COMMUNITIES CLOSER TO THEIR DREAMS BY GROWING A GENUINELY LOCAL BRAND OF BANKING. BRAnnual Report 2024WrapFINAL.indd 3 4/2/25 1:15 PM LOCAL. LASTING. LIMITLESS. FirstBank’s story is one of strong

Termination of a Material Definitive Agreement, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 1, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES

Exhibit 99.1 Joint Press Release for Immediate Release FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES March 31, 2025 (NASHVILLE, TN and ANNISTON, AL) – FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”) (Nasdaq: SSBK), the parent company of Southern States Bank, jointly annou

Agreement and Plan of Merger by and between FB Financial Corporation and Southern States Bancshares, Inc., dated as of March 31, 2025*

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between FB FINANCIAL CORPORATION and SOUTHERN STATES BANCSHARES, INC. Dated as of March 31, 2025 TABLE OF CONTENTS ARTICLE I THE MERGER Section 1.01 The Merger ............................................................................................................2 Section 1.02 Charter and Bylaws.................................

Form of FB Financial Corporation Director and Executive Officer Voting Agreement

Exhibit 10.2 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc. (“Seller”), an Alabama corporation, and the undersigned Shareholder (the “Shareholder”) of Buyer in the Shareholder’s capacity as a Shareholder of Buyer, and not in his or her

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc. Exhibit 99.2 2 IMPORTANT INFORMATION FOR SHAREHOLDERS AND INVESTORS This communication does not constitute an offer to buy or sell, or the solicitation of an offer

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc.

The following is a transcript of a conference call held on March 31, 2025 relating to the announcement of the proposed merger between FB Financial Corporation and Southern States Bancshares, Inc.

Filed by FB Financial Corporation pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southern States Bancshares, Inc.

Form of FB Financial Corporation Director and Executive Officer Voting Agreement

Exhibit 10.2 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc. (“Seller”), an Alabama corporation, and the undersigned Shareholder (the “Shareholder”) of Buyer in the Shareholder’s capacity as a Shareholder of Buyer, and not in his or her

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 31, 2025 FB FINANCIAL CORPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 31, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

The following communication was made available to employees of FB Financial Corporation and Southern States Bancshares, Inc. on March 31, 2025

Filed by FB Financial Corporation pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southern States Bancshares, Inc.

Form of Southern States Bancshares, Inc. Director and Executive Officer Voting Agreement

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc. (“Seller”), an Alabama corporation, and the undersigned stockholder (the “Stockholder”) of Seller in the Stockholder’s capacity as a stockholder of Seller, and not in his or h

FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES

Exhibit 99.1 Joint Press Release for Immediate Release FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES March 31, 2025 (NASHVILLE, TN and ANNISTON, AL) – FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”) (Nasdaq: SSBK), the parent company of Southern States Bank, jointly annou

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc. Exhibit 99.2 2 IMPORTANT INFORMATION FOR SHAREHOLDERS AND INVESTORS This communication does not constitute an offer to buy or sell, or the solicitation of an offer

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc.

Agreement and Plan of Merger by and between FB Financial Corporation and Southern States Bancshares, Inc., dated as of March 31, 2025*

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between FB FINANCIAL CORPORATION and SOUTHERN STATES BANCSHARES, INC. Dated as of March 31, 2025 TABLE OF CONTENTS ARTICLE I THE MERGER Section 1.01 The Merger ............................................................................................................2 Section 1.02 Charter and Bylaws.................................

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 31, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

Form of Southern States Bancshares, Inc. Director and Executive Officer Voting Agreement

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc. (“Seller”), an Alabama corporation, and the undersigned stockholder (the “Stockholder”) of Seller in the Stockholder’s capacity as a stockholder of Seller, and not in his or h

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ý Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Form of Performance-Based Restricted Stock Unit Award Certificate (2024) pursuant to the FB Financial Corporation 2016 Incentive Plan*†

Exhibit 10.4 2024 PSU Award Agreement PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD CERTIFICATE Non-transferable GRANT TO (“Grantee”) by FB Financial Corporation (the “Company”) of restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursuant to and subject to the provisions of the FB Financial Corporation 2016 Incentive Plan (the “P

Trader Policy

Exhibit 19.1 FB Financial Corporation Insider Trading Policy Effective October 28, 2024 This Insider Trading Policy (the “Policy”) describes the standards of FB Financial Corporation and its subsidiaries (together, the “Company”) with respect to trading, and causing the trading of, the Company’s securities or securities of certain other publicly traded companies while in possession of material and

Amended and Restated Charter, as amended for SEC filing purposes only (incorporated by reference to Exhibit 3.1 to the Company's Annual Report on Form 10-K for the year ended December 31, 2024 (File No. 001-37875) filed on February 25, 2025)

Exhibit 3.1 (Restated for SEC filing purposes only) AMENDED AND RESTATED CHARTER OF FB FINANCIAL CORPORATION 1.Name. The name of the corporation is FB FINANCIAL CORPORATION (the “Corporation”). 2.Type. The Corporation is for profit. 3.Purpose. The Corporation is organized to do any and all things and to exercise any and all powers, rights, and privileges that a corporation may now or hereafter be

Form of Restricted Stock Unit Award Certificate (2024) pursuant to the FB Financial Corporation 2016 Incentive Plan*†

Exhibit 10.5 2024 RSU Award Agreement RESTRICTED STOCK UNIT AWARD CERTIFICATE Non-transferable GRANT TO (“Grantee”) by FB Financial Corporation (the “Company”) of restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursuant to and subject to the provisions of the FB Financial Corporation 2016 Incentive Plan (the “Plan”) and to the t

List of Subsidiaries (incorporated herein by reference to Exhibit 21 of FB Financial Corporation’s Annual Report on Form 10-K for the fiscal year ended December 31, 2024)

Exhibit 21 List of Subsidiaries The following is a list of the subsidiaries of FB Financial Corporation including the name of each subsidiary and its jurisdiction of incorporation: Name Jurisdiction Where Organized FirstBank Tennessee FirstBank Insurance, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIAL CO

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 12, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

FB Financial Corporation Reports Fourth Quarter 2024 Financial Results Reports Q4 Diluted EPS of $0.81, Adjusted Diluted EPS* of $0.85

FB Financial Corporation Reports Fourth Quarter 2024 Financial Results Reports Q4 Diluted EPS of $0.

January 21, 2025 2024 Fourth Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

January 21, 2025 2024 Fourth Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Fourth Quarter 2024 Financial Supplement

Fourth Quarter 2024 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Investments and Other Sources of Liquidity 11 Loan Portfolio 12 Asset Quality 13 Selected Deposit Data 14 Preliminary Capital Ratios 15 Segment Data 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 21, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

November 7, 2024 2024 Fourth Quarter Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

November 7, 2024 2024 Fourth Quarter Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 6, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FIN

October 15, 2024 2024 Third Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

October 15, 2024 2024 Third Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

FB Financial Corporation Reports Third Quarter 2024 Financial Results Reports Q3 Diluted EPS of $0.22, Adjusted Diluted EPS* of $0.86

FB Financial Corporation Reports Third Quarter 2024 Financial Results Reports Q3 Diluted EPS of $0.

Third Quarter 2024 Financial Supplement

Third Quarter 2024 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Investments and Other Sources of Liquidity 11 Loan Portfolio 12 Asset Quality 13 Selected Deposit Data 14 Preliminary Capital Ratios 15 Segment Data 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 15, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 3, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

September 4, 2024 Third Quarter 2024 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

September 4, 2024 Third Quarter 2024 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Employment Agreement, dated May 1, 2024, by and among FB Financial Corporation, FirstBank, and Scott J. Tansil*†

Exhibit 10.1 Execution Copy EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 1st day of May 2024 by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Scott J. Tansil (“Executive”). Company, Bank, and Executive are sometimes referred to herein collectively as the “Parties

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIA

Second Quarter 2024 Financial Supplement

Second Quarter 2024 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Investments and Other Sources of Liquidity 11 Loan Portfolio 12 Asset Quality 13 Selected Deposit Data 14 Preliminary Capital Ratios 15 Segment Data 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports Second Quarter 2024 Financial Results Reports Q2 Diluted EPS of $0.85, Adjusted Diluted EPS* of $0.84

FB Financial Corporation Reports Second Quarter 2024 Financial Results Reports Q2 Diluted EPS of $0.

July 16, 2024 2024 Second Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

July 16, 2024 2024 Second Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 15, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ¨ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 A.Full title of the plan an

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 4, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

June 5, 2024 Second Quarter 2024 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Sec

June 5, 2024 Second Quarter 2024 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 23, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCI

Form of Performance-Based Restricted Stock Unit Award Certificate (2024) pursuant to the FB Financial Corporation 2016 Incentive Plan *†

Exhibit 10.8 2024 PSU Award Agreement PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD CERTIFICATE Non-transferable GRANT TO (“Grantee”) by FB Financial Corporation (the “Company”) of restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursuant to and subject to the provisions of the FB Financial Corporation 2016 Incentive Plan (the “P

Employment Agreement, dated February 23, 2024, by and among FB Financial Corporation, FirstBank, and

Exhibit 10.2 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 23 day of February 2024, by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Aimee T. Hamilton (“Executive”). Company, Bank, and Executive are sometime

Employment Agreement, dated February 23, 2024, by and among FB Financial Corporation, FirstBank, and Mark E. Hickman*†

Exhibit 10.3 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is effective this 23rd day of February 2024 by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Mark E. Hickman (“Executive”). Company, Bank, and Executive are sometimes referred to

Employment Agreement, dated February 23, 2024, by and among FB Financial Corporation, FirstBank, and

Exhibit 10.7 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 23 day of February 2024 by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Beth W. Sims (“Executive”). Company, Bank, and Executive are sometimes refe

, by and among FB Financial Corporation, FirstBank, and

Exhibit 10.4 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 23rd day of February 2024 by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Christopher T. Holmes (“Executive”). Company, Bank, and Executive are sometimes referred to he

Employment Agreement, dated February 23, 2024, among FB Financial Corporation, FirstBank, and Travis K. Edmondson (incorporated by reference to Exhibit 10.1 to the Company's Form 10-Q for the quarter ended March 31, 2024 (File No. 001-37875) filed on May 6, 2024)†

Exhibit 10.1 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 23rd day of February 2024 (the “Effective Date”) by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Travis K. Edmondson (“Executive”). Company, Bank,

Form of Restricted Stock Unit Award Certificate (2024) pursuant to the FB Financial Corporation 2016 Incentive Plan *†

Exhibit 10.9 2024 RSU Award Agreement RESTRICTED STOCK UNIT AWARD CERTIFICATE Non-transferable GRANT TO (“Grantee”) by FB Financial Corporation (the “Company”) of restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursuant to and subject to the provisions of the FB Financial Corporation 2016 Incentive Plan (the “Plan”) and to the t

Employment Agreement, dated February 23, 2024, among FB Financial Corporation, FirstBank, and Michael M. Mettee (incorporated by reference to Exhibit 10.5 to the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2024 (File No. 001-37875) filed on May 6, 2024)†

Exhibit 10.5 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 23rd day of February 2024 by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Michael M. Mettee (“Executive”). Company, Bank, and Executive are sometim

Employment Agreement, dated February 23, 2024, among FB Financial Corporation, FirstBank, and R. Wade Peery (incorporated by reference to Exhibit 10.6 to the Company's Form 10-Q for the quarter ended March 31, 2024 (File No. 001-37875) filed on May 6, 2024)†

Exhibit 10.6 Execution Copy AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 23rd day of February 2024, by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and R. Wade Peery (“Executive”). Company, Bank, and Executive are sometimes

April 16, 2024 2024 First Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

April 16, 2024 2024 First Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 15, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

First Quarter 2024 Financial Supplement

First Quarter 2024 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 6 Average Balance and Interest Yield/Rate Analysis 7 Investments and Other Sources of Liquidity 9 Loan Portfolio 10 Asset Quality 11 Selected Deposit Data 12 Preliminary Capital Ratios 13 Segment Data 14 Non-GAAP Reconciliations 15 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports First Quarter 2024 Financial Results Reports Q1 Diluted EPS of $0.59, Adjusted Diluted EPS* of $0.85

FB Financial Corporation Reports First Quarter 2024 Financial Results Reports Q1 Diluted EPS of $0.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

A N N U A L R E P O R T 2023 WE ARE STEADFASTLY COMMITTED TO BANKING THAT UPLIFTS COMMUNITIES AND BUILDS WEALTH THROUGHOUT THE SOUTHEAST. When we first opened our doors in 1906, banking was rooted in relationships and focused on building wealth for f

A N N U A L R E P O R T 2023 WE ARE STEADFASTLY COMMITTED TO BANKING THAT UPLIFTS COMMUNITIES AND BUILDS WEALTH THROUGHOUT THE SOUTHEAST.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ý Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

‐END‐ FOR IMMEDIATE RELEASE FB Financial Corporation Announces $100 Million Common Stock Repurchase Authorization NASHVILLE, Tenn.— March 21, 2024 —FB Financial Corporation (“the Company”) (NYSE: FBK), the parent company of FirstBank, announced today

‐END‐ FOR IMMEDIATE RELEASE FB Financial Corporation Announces $100 Million Common Stock Repurchase Authorization NASHVILLE, Tenn.

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 21, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

Form of Restricted Stock Unit Award Certificate (2023) pursuant to the FB Financial Corporation 2016 Incentive Plan *†

Exhibit 10.7 2023 Form of Award Agreement R E S T R I C T E D S T O C K U N I T A W A R D C E R T I F I C A T E Non-transferable G R A N T T O (“Grantee”) by FB Financial Corporation (the “Company”) of restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursuant to and subject to the provisions of the FB Financial Corporation 2016 I

Form of Performance-Based Restricted Stock Unit Award Certificate (2023) pursuant to the FB Financial Corporation 2016 Incentive Plan *†

Exhibit 10.8 2023 Form of Award Agreement PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD CERTIFICATE Non-transferable GRANT TO (“Grantee”) by FB Financial Corporation (the “Company”) of restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursuant to and subject to the provisions of the FB Financial Corporation 2016 Incentive Plan (th

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIAL CO

0, 2023, among FB Financial Corporation, FirstBank, and Wilburn J. Evans*

Exhibit 10.15 SEPARATION AGREEMENT THIS SEPARATION AGREEMENT (the “Agreement”) is entered into as of the Effective Date, as defined in Paragraph 6 hereof, by and between FB Financial Corporation (the “Holding Company”), FirstBank, a Tennessee bank and wholly-owned subsidiary of the Holding Company (the “Bank” and, together with the Holding Company, the “Company”) and Wilburn (“Wib”) J. Evans (“Exe

Subsidiaries of FB Financial Corporation*

Exhibit 21 List of Subsidiaries The following is a list of the subsidiaries of FB Financial Corporation including the name of each subsidiary and its jurisdiction of incorporation: Name Jurisdiction Where Organized FirstBank Tennessee FirstBank Insurance, Inc.

FB Financial Corporation and FirstBank Compensation Recovery Policy

Exhibit 97 FB Financial Corporation and FirstBank Compensation Recovery Policy Policy Last Approval Date: July 31, 2023 Policy Overview The board of directors of FB Financial Corporation (the “Company”) has adopted this policy regarding the recovery of incentive compensation paid to executive officers that is based upon the financial performance of the Company under certain circumstances.

February 15, 2024 First Quarter 2024 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

February 15, 2024 First Quarter 2024 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 14, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

FBK / FB Financial Corporation / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0913-fbfinancialcorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 1)* Name of issuer: FB Financial Corp Title of Class of Securities: Common Stock CUSIP Number: 30257X104 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate t

FOR IMMEDIATE RELEASE Contact: Staci Kirpach [email protected] Former Chairman and CEO of HCA Healthcare Joins FB Financial Board FirstBank strengthens its board of directors with the addition of respected healthcare veteran NASHVILLE, T

FOR IMMEDIATE RELEASE Contact: Staci Kirpach [email protected] Former Chairman and CEO of HCA Healthcare Joins FB Financial Board FirstBank strengthens its board of directors with the addition of respected healthcare veteran NASHVILLE, Tenn. (February 5, 2024) –FirstBank today announced that Milton Johnson, former Chairman and CEO of HCA Healthcare, has been appointed to the board of

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 30, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

February 5, 2024

February 5, 2024 Securities and Exchange Commission Division of Corporate Finance Office of Finance Attention: Katharine Garrett John Spitz Re: FB Financial Corporation (the “Company”) Form 8-K filed October 16, 2023 Response dated January 2, 2024 File No.

Fourth Quarter 2023 Financial Supplement

Fourth Quarter 2023 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Investments and Other Sources of Liquidity 11 Loan Portfolio 12 Asset Quality 13 Selected Deposit Data 14 Preliminary Capital Ratios 15 Segment Data 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

January 16, 2024 2023 Fourth Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

January 16, 2024 2023 Fourth Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 16, 2024 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

FB Financial Corporation Reports Fourth Quarter 2023 Financial Results Reports Q4 Diluted EPS of $0.63, Adjusted Diluted EPS* of $0.77

FB Financial Corporation Reports Fourth Quarter 2023 Financial Results Reports Q4 Diluted EPS of $0.

January 2, 2024

January 2, 2024 Securities and Exchange Commission Division of Corporate Finance Office of Finance Attention: Katharine Garrett John Spitz Re: FB Financial Corporation (the “Company”) Form 8-K filed October 16, 2023 File No.

, by and among FB Financial Corporation, FirstBank, and

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is effective this 31st day of July, 2023 (the “Effective Date”) by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Mark E. Hickman (“Executive”). Company, Bank, and Executive are sometimes referred to herein collectively as the “Parties,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FIN

November 2, 2023 Fourth Quarter 2023 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

November 2, 2023 Fourth Quarter 2023 Investor Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 1, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

Third Quarter 2023 Financial Supplement

Third Quarter 2023 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Investments and Other Sources of Liquidity 11 Loan Portfolio 12 Asset Quality 13 Selected Deposit Data 14 Preliminary Capital Ratios 15 Segment Data 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Financial Supplement contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports Third Quarter 2023 Financial Results Reports Q3 Diluted EPS of $0.41, Adjusted Diluted EPS* of $0.71

FB Financial Corporation Reports Third Quarter 2023 Financial Results Reports Q3 Diluted EPS of $0.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 16, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

October 17, 2023 2023 Third Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

October 17, 2023 2023 Third Quarter Earnings Presentation 1 Forward–looking statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

September 6, 2023 Third Quarter 2023 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

September 6, 2023 Third Quarter 2023 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 5, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

Amended and Restated Charter, as amended for SEC filing purposes only (incorporated by reference to Exhibit 3.1 to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2023 (File No. 001-37875) filed on August 4, 2023)

exhibit31amendedandresta Exhibit 3.1 AMENDED AND RESTATED CHARTER OF FB FINANCIAL CORPORATION 1. Name. The name of the corporation is FB FINANCIAL CORPORATION (the “Corporation”). 2. Type. The Corporation is for profit. 3. Purpose. The Corporation is organized to do any and all things and to exercise any and all powers, rights, and privileges that a corporation may now or hereafter be organized to

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIA

Second Quarter 2023 Financial Supplement

Second Quarter 2023 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance and Interest Yield/Rate Analysis 8 Selected Deposit Data 11 Segment Data 12 Loan Portfolio 13 Asset Quality 14 Preliminary Capital Ratios 15 Investments and Other Sources of Liquidity 16 Non-GAAP Reconciliations 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

July 18, 2023 2023 Second Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

fbk2q2023earningsdeckfin July 18, 2023 2023 Second Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 17, 2023 FB FINANCIAL CORPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 17, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

FB Financial Corporation Reports Second Quarter 2023 Results Reports Q2 Diluted EPS of $0.75, Adjusted Diluted EPS* of $0.77

FB Financial Corporation Reports Second Quarter 2023 Results Reports Q2 Diluted EPS of $0.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ¨ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 A.Full title of the plan an

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 23, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Articles of Amendment to the Charter of FB Financial Corporation

ARTICLES OF AMENDMENT TO THE CHARTER OF FB FINANCIAL CORPORATION A FOR-PROFIT CORPORATION Pursuant to Section 48-20-106 of the Tennessee Business Corporation Act, FB Financial Corporation, a Tennessee corporation, hereby adopts the following articles of amendment to its charter: 1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 23, 2023 (May 18, 2023) FB FI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 23, 2023 (May 18, 2023) FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporatio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 15, 2023 FB FINANCIAL CORPORA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 15, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

May 16, 2023 Second Quarter 2023 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Sec

fbkdadavidsoninvestorcon May 16, 2023 Second Quarter 2023 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCI

First Quarter 2023 Financial Supplement

First Quarter 2023 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 6 Average Balance, Average Yield Earned and Average Rate Paid 7 Selected Deposit Data 9 Segment Data 10 Loan Portfolio 11 Asset Quality 12 Preliminary Capital Ratios 13 Investments and Other Sources of Liquidity 14 Non-GAAP Reconciliation 15 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports First Quarter 2023 Results Reports Q1 Diluted EPS of $0.78, Adjusted Diluted EPS* of $0.76

FB Financial Corporation Reports First Quarter 2023 Results Reports Q1 Diluted EPS of $0.

April 18, 2023 2023 First Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

fbk1q2023earningsdeckfin April 18, 2023 2023 First Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 17, 2023 FB FINANCIAL CORPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 17, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ý Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 3, 2023 FB FINANCIAL CORPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 3, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Form of Performance-Based Restricted Stock Unit Award Certificate (2022) pursuant to the FB Financial Corporation 2016 Incentive Plan*+

exhibit104formof2022psua Exhibit 10.4 2022 Form of Award Agreement PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD CERTIFICATE Non-transferable GRANT TO Click or tap here to enter text. (“Grantee”) by FB Financial Corporation (the “Company”) of Click or tap here to enter text. restricted stock units convertible, on a one-for-one basis, into shares of Stock (the “Units”). The Units are granted pursua

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIAL CO

Employment Agreement, dated November 29, 2021, among FB Financial Corporation, FirstBank, and Aimee T. Hamilton *†

exhibit1014employmentagr Exhibit 10.14 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into this 29th day of November, 2021 (the “Effective Date”) by and among FB FINANCIAL CORPORATION (“Company”), FIRSTBANK, a Tennessee bank (“Bank”), a wholly owned subsidiary of the Company, and Aimee T. Hamilton (“Executive”). Company, Bank, and Executive are sometimes refe

Subsidiaries of FB Financial Corporation*

Exhibit 21 List of Subsidiaries The following is a list of the subsidiaries of FB Financial Corporation including the name of each subsidiary and its jurisdiction of incorporation: Name Jurisdiction Where Organized FirstBank Tennessee FirstBank Insurance, Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 15, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

February 16, 2023 First Quarter 2023 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

February 16, 2023 First Quarter 2023 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

FBK / FB Financial Corp / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: FB Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 30257X104 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 13d-1(b) ☐ Rule

FB Financial Corporation Reports Fourth Quarter 2022 and Annual Results Reports Q4 Diluted EPS of $0.81, Adjusted Diluted EPS of $0.85, Annualized Q4 Deposit Growth of 33.7%

FB Financial Corporation Reports Fourth Quarter 2022 and Annual Results Reports Q4 Diluted EPS of $0.

January 17, 2023 2022 Fourth Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

January 17, 2023 2022 Fourth Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 17, 2023 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

Fourth Quarter 2022 Financial Supplement

Fourth Quarter 2022 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance, Average Yield Earned and Average Rate Paid 8 Loans and Deposits by Market 11 Segment Data 12 Loan Portfolio 13 Asset Quality 14 Preliminary Capital Ratios 15 Investment Portfolio 16 Non-GAAP Reconciliation 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

December 13, 2022 Fourth Quarter 2022 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Privat

fbk12132022dadavidsonsou December 13, 2022 Fourth Quarter 2022 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 13, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FIN

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 7, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

November 9, 2022 Fourth Quarter 2022 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

November 9, 2022 Fourth Quarter 2022 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 19, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorpo

FB Financial Corporation Reports Third Quarter 2022 Results Reports Q3 Diluted EPS of $0.68, Adjusted Diluted EPS of $0.68

FB Financial Corporation Reports Third Quarter 2022 Results Reports Q3 Diluted EPS of $0.

October 18, 2022 2022 Third Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

October 18, 2022 2022 Third Quarter Earnings Presentation 1 Forward?Looking Statements Certain statements contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 17, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

Third Quarter 2022 Financial Supplement

Third Quarter 2022 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance, Average Yield Earned and Average Rate Paid 8 Loans and Deposits by Market 11 Segment Data 12 Loan Portfolio 13 Asset Quality 14 Preliminary Capital Ratios 15 Investment Portfolio 16 Non-GAAP Reconciliation 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 6, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

September 7, 2022 Third Quarter 2022 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

September 7, 2022 Third Quarter 2022 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIA

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 28, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

FirstBank Elects Bill Carpenter as Chairman of the Board of Directors Stuart McWhorter stepping down as director

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Staci Kirpach [email protected] FirstBank Elects Bill Carpenter as Chairman of the Board of Directors Stuart McWhorter stepping down as director NASHVILLE, Tenn. (August 2, 2022)— Stuart McWhorter is stepping down as chairman of the board of directors of Nashville-based FB Financial Corporation. He is rejoining Governor Bill Lee’s administra

July 19, 2022 2022 Second Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

July 19, 2022 2022 Second Quarter Earnings Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 18, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Second Quarter 2022 Financial Supplement

Second Quarter 2022 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance, Average Yield Earned and Average Rate Paid 8 Loans and Deposits by Market 11 Segment Data 12 Loan Portfolio and Asset Quality 13 Preliminary Capital Ratios 15 Investment Portfolio 16 Non-GAAP Reconciliation 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports Second Quarter 2022 Results Reports Q2 Diluted EPS of $0.41, Adjusted Diluted EPS of $0.64

FB Financial Corporation Reports Second Quarter 2022 Results Reports Q2 Diluted EPS of $0.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ¨ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 A.Full title of the plan an

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 7, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 24, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

May 25, 2022 Second Quarter 2022 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Sec

May 25, 2022 Second Quarter 2022 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 20, 2022 (May 19, 2022) FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporatio

Costs Associated with Exit or Disposal Activities

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 10, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCI

Employment Agreement, dated November 27, 2020, among FB Financial Corporation, FirstBank, and Travis K. Edmondson (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2022 (File No. 001-37875) filed on May 10, 2022) †

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into this 27th day of November, 2020 (the ?Effective Date?) by and among FB FINANCIAL CORPORATION (?Company?), FIRSTBANK, a Tennessee bank (?Bank?), a wholly owned subsidiary of the Company, and Travis K. Edmondson (?Executive?). Company, Bank, and Executive are sometimes referred to herein collectiv

FBK / FB Financial Corp / Ayers James W. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* FB Financial Corporation (Name of Issuer) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 30257X104 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

FB Financial Corporation Reports First Quarter 2022 Results Reports Q1 diluted EPS of $0.74 and annualized Loan Growth (HFI) of 21.3%

FB Financial Corporation Reports First Quarter 2022 Results Reports Q1 diluted EPS of $0.

First Quarter 2022 Financial Supplement

First Quarter 2022 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 6 Average Balance, Average Yield Earned and Average Rate Paid 7 Loans and Deposits by Market 9 Segment Data 10 Loan Portfolio and Asset Quality 11 Preliminary Capital Ratios 13 Investment Portfolio 14 Non-GAAP Reconciliation 15 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

April 19, 2022 2022 First Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

April 19, 2022 2022 First Quarter Earnings Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

DEF 14A 1 def14aproxystatement2022.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 14, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

-END- Exhibit 99.1 FOR IMMEDIATE RELEASE FB Financial Corporation Announces $100 Million Common Stock Repurchase Authorization NASHVILLE, Tenn.—March 14, 2022—FB Financial Corporation (NYSE: FBK), the parent company of FirstBank, announced that its B

-END- Exhibit 99.1 FOR IMMEDIATE RELEASE FB Financial Corporation Announces $100 Million Common Stock Repurchase Authorization NASHVILLE, Tenn.?March 14, 2022?FB Financial Corporation (NYSE: FBK), the parent company of FirstBank, announced that its Board of Directors has authorized and empowered a special committee of the Board of Directors to commence a stock repurchase program of up to $100 mill

Employment Agreement, dated April 28, 2021, among FB Financial Corporation, FirstBank, and Wilburn J. Evans *†

Exhibit 10.13 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this "Agreement") is made and entered into this 28th day of April, 2021 (the "Effective Date") by and among FB FINANCIAL CORPORATION ("Company"), FIRSTBANK , a Tennessee bank ("Bank"), a wholly owned subsidiary of the Company, and Wilburn ("Wib") J. Evans ("Executive"). Company, Bank, and Executive are sometimes referred to herein colle

Amended Form of Performance-Based Restricted Stock Unit Award Certificate (2020) pursuant to the FB Financial Corporation 2016 Incentive Plan *†

EXHIBIT 10.8 AMENDMENT TO PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD CERTIFICATE UNDER THE FB FINANCIAL CORPORATION 2016 INCENTIVE PLAN Grantee: Target Award: Grant Date: This Amendment (?Amendment?) is effective as of the 26th day of January, 2022, and amends that certain Performance-Based Restricted Stock Unit Award Certificate between the Employee and FB Financial Corporation (the ?Company?)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FINANCIAL CO

Subsidiaries of FB Financial Corporation*

Exhibit 21 List of Subsidiaries The following is a list of the subsidiaries of FB Financial Corporation including the name of each subsidiary and its jurisdiction of incorporation: Name Jurisdiction Where Organized FirstBank Tennessee FirstBank Insurance, Inc.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 15, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

February 16, 2022 First Quarter 2022 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

February 16, 2022 First Quarter 2022 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 28, 2022 (January 27, 2022) FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of inco

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 18, 2022 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

Fourth Quarter 2021 Financial Supplement

Fourth Quarter 2021 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance, Average Yield Earned and Average Rate Paid 8 Loans and Deposits by Market 11 Segment Data 12 Loan Portfolio and Asset Quality 13 Preliminary Capital Ratios 15 Investment Portfolio 16 Non-GAAP Reconciliation 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

January 18, 2022 2021 Fourth Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

January 18, 2022 2021 Fourth Quarter Earnings Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

FB Financial Corporation Reports Annual and Fourth Quarter 2021 Results Reports Q4 diluted EPS of $1.02, ROAA of 1.60%, and annualized Loan Growth (HFI) of 16.9%

FB Financial Corporation Reports Annual and Fourth Quarter 2021 Results Reports Q4 diluted EPS of $1.

December 1, 2021 Fourth Quarter 2021 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

December 1, 2021 Fourth Quarter 2021 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 30, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 23, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

FirstBank Names Aimee Hamilton Chief Risk Officer

Exhibit 99.1 FirstBank Names Aimee Hamilton Chief Risk Officer NASHVILLE, Tenn. (Nov. 23, 2021) ? Aimee Hamilton has been named Chief Risk Officer of FirstBank and its parent company, FB Financial Corporation. In this role, Hamilton will be responsible for FirstBank?s enterprise risk management activities and will oversee a team responsible for compliance, physical security, information security,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37875 FB FIN

November 4, 2021 Fourth Quarter 2021 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

November 4, 2021 Fourth Quarter 2021 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 3, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

FB Financial Corporation Reports Third Quarter 2021 Results Reports Q3 diluted EPS of $0.94, ROAA of 1.51%

FB Financial Corporation Reports Third Quarter 2021 Results Reports Q3 diluted EPS of $0.

Third Quarter 2021 Financial Supplement

Third Quarter 2021 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance, Average Yield Earned and Average Rate Paid 8 Loans and Deposits by Market 11 Segment Data 12 Loan Portfolio and Asset Quality 13 Preliminary Capital Ratios 15 Investment Portfolio 16 Non-GAAP Reconciliation 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): October 18, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commiss

October 19, 2021 2021 Third Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

October 19, 2021 2021 Third Quarter Earnings Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

v UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): September 21, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Com

September 22, 2021 Third Quarter 2021 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Privat

September 22, 2021 Third Quarter 2021 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

September 8, 2021 Third Quarter 2021 Investor Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private

September 8, 2021 Third Quarter 2021 Investor Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): September 7, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commis

Employment Agreement, dated July 31, 2021, among FB Financial Corporation, FirstBank, and Christopher T. Holmes (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2021 (File No. 001-37875) filed on August 6, 2021) †

Execution Copy EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is made and entered into this 31st day of July, 2021 (the ?Effective Date?) by and among FB FINANCIAL CORPORATION (?Company?), FIRSTBANK, a Tennessee bank (?Bank?), a wholly owned subsidiary of the Company, and Christopher T.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-37875 FB FINANCIAL CORPORATION (Exact name of Regis

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 5, 2021 (July 31, 2021) FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorpora

Second Quarter 2021 Financial Supplement

Second Quarter 2021 Financial Supplement TABLE OF CONTENTS Page Financial Summary and Key Metrics 4 Consolidated Statements of Income 5 Consolidated Balance Sheets 7 Average Balance, Average Yield Earned and Average Rate Paid 8 Loans and Deposits by Market 11 Segment Data 12 Loan Portfolio and Asset Quality 13 Preliminary Capital Ratios 15 Investment Portfolio 16 Non-GAAP Reconciliation 17 Use of non-GAAP Financial Measures This Supplemental Financial Information contains certain financial measures that are not measures recognized under U.

FB Financial Corporation Reports Second Quarter 2021 Results Reports Q2 diluted EPS of $0.90, ROAA of 1.46%

FB Financial Corporation Reports Second Quarter 2021 Results Reports Q2 diluted EPS of $0.

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): July 19, 2021 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

July 20, 2021 2021 Second Quarter Earnings Presentation 1 Forward–Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Se

July 20, 2021 2021 Second Quarter Earnings Presentation 1 Forward?Looking Statements Certain statements contained in this presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-37875 A.Full title of the plan: FirstBank 401(k) Savings Plan & Trust

FBK / FB Financial Corp / Ayers James W. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* FB Financial Corporation (Name of Issuer) Common Stock, Par Value $1.00 Per Share (Title of Class of Securities) 30257X104 (CUSIP Number) June 10, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul