Results of Operations and Financial Condition. On July 13, 2026, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the second quarter ended June 30, 2026 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Other Events. The Company announced today that its board of directors has renewed its stock repurchase plan (the “ Repurchase Plan ”) pursuant to which the Company may purchase up to $175,000,000 in shares of the Company’s issued and outstanding common stock, par value $1.00 per share. The purchase authorizations granted under the Repurchase Plan will terminate either on the date on which the maximum dollar amount is repurchased under the Repurchase Plan or on June 30, 2027, whichever date oc…

Results of Operations and Financial Condition. On April 13, 2026, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the first quarter ended March 31, 2026 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Chief Accounting Officer — Jonathan Pennington: Jonathan Pennington resigned to accept a position at another institution.

Results of Operations and Financial Condition. On January 21, 2026, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2025 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Other Events. Share Purchase Agreement On November 14, 2025, FB Financial Corporation (the “Company”) entered into a share purchase agreement with the Estate of James W. Ayers (the “Selling Shareholder”) and certain institutional investors (the “Purchasers”) pursuant to which the Selling Shareholder agreed to sell to the Purchasers, and the Purchasers agreed to purchase from the Selling Shareholder, in a registered direct offering, 2,162,052 shares of the Company’s common stock, par value $1.…

Other Events. As previously reported, on July 1, 2025, FB Financial Corporation (the “Company”), completed its acquisition of Southern States Bancshares, Inc. an Alabama corporation, and its wholly-owned banking subsidiary, Southern States Bank (collectively, “Southern States”) (such acquisition, the “Merger”). The Company is filing this report in order to provide historical unaudited financial information with respect to Southern States for the period ended June 30, 2025, and certain unaudit…

Results of Operations and Financial Condition. On October 14, 2025, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the third quarter ended September 30, 2025 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

COO — Michael M. Mettee: The filing discloses an internal realignment where the CFO was promoted to COO and another officer transitioned roles, rather than a departure of a senior executive.

Other Events. The Company announced today that its board of directors has renewed its stock repurchase plan (the “ Repurchase Plan ”) pursuant to which the Company may purchase up to $150,000,000 in shares of the Company’s issued and outstanding common stock, par value $1.00 per share. The purchase authorizations granted under the Repurchase Plan will terminate either on the date on which the maximum dollar amount is repurchased under the Repurchase Plan or on January 31, 2027, whichever date…

Termination of a Material Definitive Agreement The information set forth in

Results of Operations and Financial Condition. On July 14, 2025, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the second quarter ended June 30, 2025 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. Upon completion of the Merger, FB Financial assumed subordinated notes in aggregate principal amount of $92,700,000. The subordinated notes assumed by FB Financial upon consummation of the Mergers consist of (1) $48,000,000 in aggregate principal amount of 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 (the “ 2032 3.50% Notes ”), (2) $40,000,000 in aggregate principal a…

Director — J. Henry Smith: The filing discloses the appointment of a new director to fill a vacancy created by a board size increase, which is a routine governance action rather than an executive departure.

Completion of Acquisition or Disposition of Assets. On July 1, 2025, FB Financial completed its previously announced merger with Southern States. Pursuant to the terms of the Merger Agreement, Southern States merged with and into FB Financial, with FB Financial continuing as the surviving corporation (the “ Merger ”). Immediately following the Merger, Southern States Bank, a wholly owned subsidiary of Southern States (“ Southern States Bank ”), merged with and into FirstBank, a wholly owned s…

Results of Operations and Financial Condition. On April 14, 2025, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the first quarter ended March 31, 2025 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Termination of a Material Definitive Agreement.

Entry into a Material Definitive Agreement. Agreement and Plan of Merger On March 31, 2025, FB Financial Corporation (“FB Financial”), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”), the parent company of Southern States Bank, entered into an Agreement and Plan of Merger (the “Merger Agreement”), pursuant to which: (a) Southern States will, subject to the terms and conditions set forth in the Merger Agreement, merge with and into FB Financial (the “C…

Results of Operations and Financial Condition. On January 21, 2025, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2024 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Results of Operations and Financial Condition. On October 15, 2024, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the third quarter ended September 30, 2024 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Results of Operations and Financial Condition. On July 15, 2024, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the second quarter ended June 30, 2024 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Results of Operations and Financial Condition. On April 15, 2024, FB Financial Corporation (“ FB Financial ”) issued a press release announcing its financial results for the first quarter ended March 31, 2024 (the “ Earnings Release ”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this current report on Form 8-K (this “ Report ”).

Other Events. FB Financial Corporation (the “ Company ”) announced on March 21, 2024 the adoption of a new share repurchase program (the “ Repurchase Plan ”). Under the Repurchase Plan, the Company may, but is not required to, repurchase up to an aggregate of $100 million of shares of the Company’s issued and outstanding common stock. The actual timing and method of any purchases, the target number of shares and the maximum price (or range of prices) under the Repurchase Plan, will be determi…