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FB Financial FBK Provision for Credit Losses

Provision for Credit Losses at other companies

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Fifth Third BankFITB
$129M-25.4%
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$538M+7.4%
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Simmons First NationalSFNC
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$68M-46.0%
First Financial Bancorp logo
First Financial BancorpFFBC
$12.93M+42.4%

Other financials

Income statement

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Revenue$172.3M+31.9%
Net income$57.5M+46.1%
EPS (diluted)$1.10+31.0%

Balance sheet

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Cash & equivalents$1.2B+45.7%
Total debt$273.4M+19.2%
Total equity$2.0B+23.2%
Total assets$16.5B+25.4%

Cash flow

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Operating cash flow$31.0M+288%
CapEx$1.7M+4.9%
Free cash flow$29.3M+262%

Valuation

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Market cap$3.04B+18.7%
Enterprise value$2.16B+33.0%
P/E21.6×-6.8×
P/S5.1×-0.9×

Profitability

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Net margin23.4%-3.2pp
FCF margin32.3%+15.7pp

Returns & leverage

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Return on equity7.9%-0.4pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by FB Financial in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The source filing: FB Financial’s 10-Q, filed May 4, 2026.

Filed
May 4, 2026, 12:02 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001649749-26-000040
Line itemThree Months Ended March 31, 20262025
Borrowings1,5071,816
Total interest expense79,38572,065
Net interest income145,965107,641
Provision for credit losses on loans HFI3,8221,906
(Reversal of) provision for credit losses on unfunded commitments(798)386
Net interest income after provision for credit losses142,941105,349
Noninterest income:
Mortgage banking income12,25312,426

Item 1. Consolidated Financial Statements

FAQ

What is FB Financial's provision for credit losses?
FB Financial (FBK) reported provision for credit losses of $3.82M in Q1 2026.
How has FB Financial's provision for credit losses changed year-over-year?
FB Financial's provision for credit losses increased by 100.5% year-over-year, from $1.91M to $3.82M.
What is the long-term trend for FB Financial's provision for credit losses?
Over 4 years (2021 to 2025), FB Financial's provision for credit losses has grown at a -4.0% compound annual growth rate (CAGR), from -$39M to $33.19M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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