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FB Financial Plans $100 Million Subordinated Note Offering FB Financial filed an investor presentation for a proposed $100 million fixed-to-floating...

https://www.narrowit.com/news/fb-financial-100-million-subordinated-notes-2026-09-21
#FbFinancial #FBK #SubordinatedNotes #BankCapital
FB Financial Plans $100 Million Notes Due 2036 | Narrowit.com
FB Financial filed plans for $100 million of fixed-to-floating subordinated notes, with proceeds intended for corporate purposes and FirstBank capital.
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September 21, 2026 at 4:15 PM
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EFTA01121419 | EFTA01121427 Company related to the accrued interest that was reported for tax purposes. Holders should consult with their own tax advisor regarding the tax consequences of an investment in the Series 2015A Junior Subordinated Notes. For more information regarding the tax consequences of purchasing the Series 20I5A Junior Subordinated Notes, see "Material United States Federal Income Tax Considerations" in this Prospectus Supplement. An active trading marketfor the Series 2015A Junior Subordinated Notes may not develop, and any such market may be illiquid. The Series 20I5A Junior Subordinated Notes constitute a new issue of securities with no established trading market. The Company intends to apply to list the Series 2015A Junior Subordinated Notes on the New York Stock Exchange. If the application is approved, trading on the New York Stock Exchange is expected to commence within 30 days after the date that the Series 2015A Junior Subordinated Notes are first issued. However, listing the Series 2015A Junior Subordinated Notes on the New York Stock Exchange does not guarantee that a trading market will develop or, if a trading market does develop, the depth or liquidity of that market or the ability of holders to sell their Series 2015A Junior Subordinated Notes easily. In addition, the liquidity of the trading market in the Series 2015A Junior Subordinated Notes, and the market prices quoted therefor, may be adversely affected by changes in the overall market for this type of security and by changes in the Company's financial performance or prospects or in the prospects for companies in the Company's industry generally. As a result, the Company cannot assure holders that an active after-market for the Series 2015A Junior Subordinated Notes will develop or be sustained or that holders of the Series 20I5A Junior Subordinated Notes will be able to sell their Series 20I5A Junior Subordinated Notes at favorable prices or at all. Rating agencies may change their practicesfor rating the Series 2015A Junior SubordinatedNotes, which change may affect the market price of the Series 2015A Junior Subordinated ,Votes. In addition, the Company may redeem the Series 20154 Junior Subordinated Notes if a rating agency makes certain changes in the equity credit methodologyfor securities such as the Series 2015A Junior Subordinated Notes. The rating agencies that currently or may in the future publish a rating for the Company, including Moody's Investors Service, Inc., Standard & Poor's Ratings Services and Fitch Ratings, Inc., may, from time to time in the future, change the way they analyze securities with features similar to the Series 2015A Junior Subordinated Notes. This may include, for example, changes to the relationship between ratings assigned to an issuer's senior securities and ratings assigned to securities with features similar to the Series 2015A Junior Subordinated Notes. If the rating agencies change their practices for rating these types of securities in the future, and the ratings of the Series 20I5A Junior Subordinated Notes are subsequently lowered, that could have a negative impact on the trading price of the Series 2015A Junior Subordinated Notes. In addition, the Company may redeem the Series 20I5A Junior Subordinated Notes before October 15, 2020 at its option, in whole, but not in part, if a rating agency makes certain changes in the equity credit methodology for securities such as the Series 2015A Junior Subordinated Notes. See "Description of the Series 2015A Junior Subordinated Notes—Right to Redeem Upon a Rating Agency Event" in this Prospectus Supplement. SELECTED FINANCIAL INFORMATION The following selected financial data for the years ended December 31, 2010 through December 31, 2014 has been derived from the Company's audited consolidated financial statements and related notes and the unaudited selected financial data, incorporated by reference in this Prospectus Supplement and the accompanying Prospectus. The following selected financial data for the six months ended June 30, 2015 has been derived from the Company's unaudited consolidated financial statements and related notes, incorporated by reference in this Prospectus Supplement and the accompanying Prospectus. The information set forth below is qualified in its entirety by reference to and, therefore, should be read together with management's discussion and analysis ofresults of operations and financial condition, the consolidated financial statements and related notes and other financial information incorporated by reference in this Prospectus Supplement and the accompanying Prospectus. The information set forth below does not reflect the issuance of the Series 2015A Junior Subordinated Notes offered hereby or the use of proceeds therefrom. See "Use of Proceeds" in this Prospectus Supplement. Six Months Ended June 30, 2015(1) Operating Revenues Year Ended December 31, 2010 2011 2012 2013 2014 (Millions, except ratios) $17,456 $17,657 $16,537 $17,087 $18,467 $ 8,520 Consolidated Net Income After Dividends on Preferred and Preference Stock of Subsidiaries 1,975 2,203 2,350 1,644 1,963 1,138 Ratio of Earnings to Fixed Charges(2) 3.43 3.87 4.13 3.14 3.43 3.97 S-9 EFTA01121427
May 10, 2026 at 3:32 AM