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FirstBank
Nashville, TN·FDIC Cert #8663·Charter: STATE·Est. 19060101.0·HC: FB FINANCIAL CORP
Total Assets
$16.3B
Q4 2025
Return on Assets
0.89%
+0.23%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.00%
Peer avg: 55.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.23
ROE
7.44%+1.90
Efficiency
59.00%-0.44
Equity/Assets
0.00%+0.00
NPL Ratio
1.20%+0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.99%+0.24
Charge-offs
0.06%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.1 | 0.8 | 0.9 | 1.2 | 0.7 | 0.7 | 0.9 |
| ROE | 7.8 | 9.4 | 7.2 | 7.9 | 10.2 | 5.6 | 5.5 | 7.4 |
| Efficiency | 57.4 | 57.4 | 57.4 | 56.8 | 59.4 | 58.5 | 59.4 | 59.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 1.0 | 1.3 | 1.2 | 1.1 | 1.2 | 1.1 | 1.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 87.6 | 88.3 | 85.7 | 85.2 | 87.2 | 86.2 | 88.8 | 89.0 |
Balance Sheet
Total Assets$16.3B
Total Deposits$13.9B
Total Loans$12.4B
Total Equity$2.0B
Profitability
ROA0.89%
ROE7.44%
Efficiency Ratio59.00%
Net Income$128.6M
Risk & Asset Quality
NPL Ratio1.20%
Charge-off Rate0.06%
Loan/Deposit88.99%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans