FB Financial Corporation (FBK) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone, and welcome to the FB Financial Fourth Quarter 2025 Earnings Call. Please note, today's event is being recorded. This time, I'd like to turn the conference call over to Mike Orcutt with FB Financial. Please go ahead. Good morning, and welcome to FB Financial Corporation's Fourth Quarter 2025 Earnings Conference Call. Hosting the call today from FB Financial are Chris Holmes, President and Chief Executive Officer, and Michael Mati, Chief Operating Financial Officer. Please note FBE Financial's earnings release and supplemental financial information. And this morning's presentation are available on the will differ from expectations as contained in FBE Financial's periodic and current reports filed with the SEC, including FBE Financial's most recent form, 10-K. Except as required by law, FBE Financial disclaims any obligation to update or revise any forelooking statements contained in this presentation, whether as a result of new information, future events, or otherwise. In addition, these remarks may include certain non-GAF financial measures as defined by SEC Regulation G. A presentation of the most directly comparable GAAP financial measures and a recommendation of non-GAAP measures to comparable GAAP measures is available in FB Financial's earnings release supplemental financial information in this morning's presentation, which are available on the investor relations page of the company's website at www.firstbankonline.com and on the SEC's website at www.sec.gov. I would like to now turn the presentation over to Mr. Chris Holm, FB Financial's president and CEO. All right. Thank you very much, Mike. And thank you to everyone for joining us on the call this morning and for your interest in F&B Financial. For the quarter, we reported EPS of $1.0...