FB Financial Corp — Form 8-K
Filed September 21, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 28/100
What the filing says
FB Financial Corporation (NYSE: FBK) is issuing $100 million of fixed-to-floating rate subordinated notes due 2036 with a 5-year call date. The notes are SEC-registered and expected to receive a BBB (Stable) rating from Kroll Bond Rating Agency. Proceeds will support general corporate purposes and provide capital to FirstBank subsidiary for growth. Pro forma, the $100M issuance increases total capital ratio from 12.9% to 13.5% and Tier 2 capital from $268M to $368M.
Why this rating
Routine capital raise: $100M is 6.7% of $1.5B market cap and 0.6% of $16.8B assets. Strengthens capital ratios modestly but is small relative to company size and typical operating scale.
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