Net income applicable to FB Financial Corporation increased to $122.6 million for the year ended December 31, 2025, up from $116.0 million in 2024. Diluted earnings per common share slightly decreased to $2.45 in 2025 from $2.48 in 2024. Total assets grew to $16.30 billion as of December 31, 2025, compared to $13.16 billion in 2024. Loans held for investment (HFI) increased to $12.38 billion in 2025 from $9.60 billion in 2024. Total deposits reached $13.91 billion in 2025, up from $11.21 billion in 2024. Net interest income (tax-equivalent basis) rose to $519.4 million in 2025 from $419.1 million in 2024, with net interest margin improving to 3.81% from 3.51%. Provision for credit losses significantly increased to $43.3 million in 2025 from $12.0 million in 2024, primarily due to the Southern States merger. Noninterest income increased by $4.8 million to $43.9 million in 2025, driven by mortgage banking, investment services, and service charges on deposits. Total noninterest expense increased by $81.3 million to $378.2 million in 2025, largely due to increased headcount and $23.8 million in merger and integration costs from the Southern States acquisition. The merger with Southern States Bancshares, Inc. on July 1, 2025, added $2.83 billion in assets, $2.27 billion in loans, and $2.47 billion in deposits. The company declared cash dividends of $0.76 per share for 2025, an increase from $0.68 per share in 2024. Repurchased 1,717,948 shares of common stock at an average price of $51.17 per share in November 2025, with $62.09 million remaining under the $150 million repurchase program.