FB Financial: 3 Key Takeaways for Long-Term Investors

FB Financial reported 11% annualized customer deposit growth in Q3 2026, demonstrating organic balance sheet expansion. The bank strategically uses mortgage originations to acquire high-value deposit relationships rather than focusing solely on fee income, with 83% of mortgage borrowers maintaining checking accounts. With 61% of its investment portfolio in floating-rate assets, FB Financial maintains capital flexibility to pursue opportunistic lending while managing interest rate risk.