FB Financial Corporation (FBK) Q3 2024 Earnings Call Transcript

FB Financial Corporation (NYSE:FBK) Q3 2024 Earnings Conference Call October 15, 2024 11:00 AM ET

Company Participants

Christopher Holmes – President and Chief Executive Officer
Michael Mettee – Chief Financial Officer
Travis Edmondson – Chief Banking Officer

Conference Call Participants

Russell Gunther – Stephens
Catherine Mealor – KBW
Steve Moss – Raymond James

Operator

Good morning, and welcome to the FB Financial Corporation’s Third Quarter 2024 Earnings Conference Call. Hosting the call today from FB Financial are Chris Holmes, President and Chief Executive Officer; and Michael Mettee, Chief Financial Officer. Also joining the call for the question-and-answer session is Travis Edmondson, Chief Banking Officer.

Please note FB Financial’s earnings release, supplemental financial information and this morning’s presentation are available on the Investor Relations page of the company’s website at www.firstbankonline.com and on the Securities and Exchange Commission’s website at www.sec.gov.

Today’s call is being recorded and will be available for replay on FB Financial’s website approximately an hour after the conclusion of this call. [Operator Instructions] During this presentation, FB Financial may make comments which constitute forward-looking statements under the federal securities laws.

Forward-looking statements are based on management’s current expectations and assumptions and are subject to risks, uncertainties and other factors that may cause actual results and performance or achievements of FB Financial to differ materially from any results expressed or implied by such forward-looking statements.

Many of such factors are beyond FB Financial’s ability to control or predict and listeners are cautioned not to put undue reliance on such forward-looking statements. A more detailed description of these and other risks that may cause actual results to materially differ from expectations is contained in FB Financial’s periodic and current reports filed with the SEC, including FB Financial’s most recent Form 10-K. Except as required by-law, FB Financial disclaims any obligation to update or