<SEC-DOCUMENT>0001157523-19-000773.txt : 20190408
<SEC-HEADER>0001157523-19-000773.hdr.sgml : 20190408
<ACCEPTANCE-DATETIME>20190408090530
ACCESSION NUMBER:		0001157523-19-000773
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190408
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190408
DATE AS OF CHANGE:		20190408

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FB Financial Corp
		CENTRAL INDEX KEY:			0001649749
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				621216058
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-37875
		FILM NUMBER:		19736532

	BUSINESS ADDRESS:	
		STREET 1:		211 COMMERCE STREET
		STREET 2:		SUITE 300
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37201
		BUSINESS PHONE:		615-313-0080

	MAIL ADDRESS:	
		STREET 1:		211 COMMERCE STREET
		STREET 2:		SUITE 300
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37201

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	First South Bancorp, Inc.
		DATE OF NAME CHANGE:	20150731
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a51965866.htm
<DESCRIPTION>FB FINANCIAL CORPORATION 8-K
<TEXT>
<html>
  <head>
    <title></title>
<!--Copyright 2019 Business Wire, a Berkshire Hathaway company.-->
<!--All rights reserved www.businesswire.com-->
  </head>
  <body style="font-family: Times New Roman; font-size: 10pt">
    <hr style="color: #000000; height: 2.0 pt; width: 100%; text-align: center">


    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 14pt"><b>UNITED
      STATES</b></font><b><font style="font-family: Times New Roman; font-size: 14pt"><br style="font-family: Times New Roman; font-size: 14pt"></font><font style="font-family: Times New Roman; font-size: 14pt">SECURITIES
      AND EXCHANGE COMMISSION</font></b><font style="font-size: 14pt"><br style="font-size: 14pt"></font><font style="font-size: 14pt"><b>WASHINGTON,</b></font><b><font style="font-family: Times New Roman; font-size: 14pt">
      D.C. 20549</font></b><font style="font-size: 14pt"><br style="font-size: 14pt"></font><br><font style="font-family: Times New Roman; font-size: 18pt"><b>FORM
      8-K</b></font><br><br><font style="font-size: 14pt"><b>CURRENT REPORT
      PURSUANT TO</b></font><font style="font-size: 14pt"><br style="font-size: 14pt"></font><font style="font-size: 14pt"><b>SECTION
      13 OR 15(D) OF&#160;THE</b></font><font style="font-size: 14pt"><br style="font-size: 14pt"></font><font style="font-size: 14pt"><b>SECURITIES&#160;EXCHANGE&#160;ACT
      OF 1934</b></font><br><br><font style="font-family: Times New Roman; font-size: 10pt">Date
      of report (Date of earliest event reported): April 8, 2019</font><br><br><font style="font-size: 20pt"><b>FB
      FINANCIAL&#160;CORPORATION</b></font><br><font style="font-family: Times New Roman; font-size: 10pt">(Exact
      name of registrant as specified in its charter)</font><br><br><br>
    </p>
<div style="text-align:left">
    <table style="width: 100%; font-family: Times New Roman; margin-bottom: 10.0px; font-size: 10pt" cellspacing="0">
      <tr>
        <td style="width: 33%; text-align: center; padding-left: 0.0px" valign="bottom">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Tennessee</b>
          </p>
        </td>
        <td style="white-space: nowrap; width: 34%; text-align: center; padding-right: 0.0px; padding-left: 0.0px" valign="bottom">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>001-37875</b>
          </p>
        </td>
        <td style="white-space: nowrap; width: 33%; text-align: center; padding-right: 0.0px; padding-left: 0.0px" valign="bottom">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>62-1216058</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 33%; text-align: center; padding-left: 0.0px" valign="bottom">
          <p style="margin-top: 0px; margin-bottom: 0px">
            (State or other jurisdiction
          </p>
          <p style="margin-top: 0px; margin-bottom: 0px">
            of incorporation)
          </p>
        </td>
        <td style="width: 34%; text-align: center; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            (Commission File Number)
          </p>
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 33%; text-align: center; padding-left: 0.0px" valign="bottom">
          <p style="margin-top: 0px; margin-bottom: 0px">
            (IRS Employer
          </p>
          <p style="margin-top: 0px; margin-bottom: 0px">
            Identification Number)
          </p>
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table style="width: 100%; font-family: Times New Roman; margin-bottom: 10.0px; font-size: 10pt" cellspacing="0">
      <tr>
        <td style="width: 35%; text-align: center; padding-left: 0.0px" valign="top">
          <b>211 Commerce Street, Suite 300</b>

          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Nashville, Tennessee</b>
          </p>
        </td>
        <td style="width: 30%">
          &#160;
        </td>
        <td style="white-space: nowrap; width: 35%; text-align: center; padding-right: 0.0px; padding-left: 0.0px" valign="bottom">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>37201</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 35%; text-align: center; padding-left: 0.0px" valign="top">
          (Address of principal executive offices)
        </td>
        <td style="width: 30%">

        </td>
        <td style="width: 35%; text-align: center; padding-left: 0.0px" valign="top">
          (Zip Code)
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">
      <b>(615)&#160;564-1212</b><br>(Registrant&#8217;s telephone number, including
      area code)
    </p>
    <p>
      <font style="font-family: Times New Roman; font-size: 10pt">Check the
      appropriate box below if the Form 8-K filing is intended to
      simultaneously satisfy the filing obligation of the registrant under any
      of the following provisions </font>(<i>see</i> General Instruction A.2.
      below)<font style="font-family: Times New Roman; font-size: 10pt">:</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))</font>
    </p>
    <p>
      Indicate by check mark whether the registrant is an emerging growth
      company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405
      of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934
      (&#167;240.12b-2 of this chapter).&#160;&#160; Emerging growth company &#160;&#160;<font style="font-family: Arial Unicode MS; font-size: 10pt">&#8864;</font>
    </p>
    <p>
      If an emerging growth company, indicate by check mark if the registrant
      has elected not to use the extended transition period for complying with
      any new or revised financial accounting standards provided pursuant to
      Section 13(a) of the Exchange Act. &#160;&#160;<font style="font-family: Arial Unicode MS; font-size: 10pt">&#8864;</font>
    </p>
    <div style="margin-right: 0pt; width: 100%; text-indent: 0pt; margin-bottom: 10pt; margin-left: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p>
      <b>Item 7.01. Regulation FD Disclosure.</b>
    </p>
    <p style="text-align: justify; text-indent: 60.0px">
      On April 8, 2019, FB Financial Corporation issued a news release
      announcing that, effective April 5, 2019, it completed its previously
      disclosed transaction by and between its wholly owned banking
      subsidiary, FirstBank, a Tennessee banking corporation (collectively, &#8220;<b>FB
      Financial</b>&#8221;), and Atlantic Capital Bank, N.A., a national banking
      association and a wholly owned subsidiary of Atlantic Capital
      Bancshares, Inc., a Georgia corporation (collectively, &#8220;<b>Atlantic
      Capital</b>&#8221;), to purchase certain Tennessee and Georgia branch
      locations from Atlantic Capital.
    </p>
    <p style="text-indent: 30.0px">
      A copy of the news release announcing the closing is furnished as
      Exhibit 99.1 to this Current Report on Form 8-K (this &#8220;<b>Report</b>&#8221;)
      and is incorporated herein by reference in its entirety.
    </p>
    <p>
      <b>Item 9.01. Financial Statements and Exhibits.</b>
    </p>
    <p>
      Exhibit Index
    </p>
<div style="text-align:left">
    <table style="width: 100%; font-family: Times New Roman; margin-bottom: 10.0px; font-size: 10pt" cellspacing="0">
      <tr>
        <td style="width: 5%">
          &#160;
        </td>
        <td style="width: 15%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <u>Exhibit Number</u>
          </p>
        </td>
        <td style="width: 80%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <u>Description of Exhibit</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 15%">

        </td>
        <td style="width: 80%">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="white-space: nowrap; width: 15%; text-align: left; padding-right: 0.0px; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <a href="a51965866ex99_1.htm">99.1</a>
          </p>
        </td>
        <td style="width: 80%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <a href="a51965866ex99_1.htm">News Release</a>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
    <div style="margin-right: 0pt; width: 100%; text-indent: 0pt; margin-bottom: 10pt; margin-left: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 10pt"><b>SIGNATURES</b></font>
    </p>
    <p style="text-align: left">
      <font style="font-family: Times New Roman; font-size: 10pt">Pursuant to
      the requirements of the Securities Exchange Act of 1934, the registrant
      has duly caused this Report to be signed on its behalf by the
      undersigned hereunto duly authorized.</font>
    </p>
    <p style="text-indent: 30.0px; font-size: 10pt">

    </p>
<div style="text-align:left">
    <table style="width: 100%; font-family: Times New Roman; margin-bottom: 10.0px; font-size: 10pt" cellspacing="0">
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 44%">

        </td>
        <td style="text-align: left; padding-left: 0.0px" valign="top" colspan="2">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>FB FINANCIAL CORPORATION</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 44%">

        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 47%">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 44%">

        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 47%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; text-align: left; padding-bottom: 2.0px; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 44%; text-align: left; padding-bottom: 2.0px; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 3%; text-align: left; padding-bottom: 2.0px; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            By:
          </p>
        </td>
        <td style="border-bottom-style: solid; width: 47%; text-align: left; border-bottom-color: black; border-bottom-width: 1.0pt; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            /s/ James R. Gordon
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 44%">

        </td>
        <td style="text-align: left; padding-left: 0.0px" valign="top" colspan="2">
          <p style="margin-top: 0px; margin-bottom: 0px">
            James R. Gordon
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 44%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="text-align: left; padding-left: 0.0px" valign="top" colspan="2">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Chief Financial Officer
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 6%">

        </td>
        <td style="width: 44%">

        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 47%">
          &#160;
        </td>
      </tr>
      <tr>
        <td style="width: 6%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Date:
          </p>
        </td>
        <td style="width: 44%; text-align: left; padding-left: 0.0px" valign="top">
          <p style="margin-top: 0px; margin-bottom: 0px">
            April 8, 2019
          </p>
        </td>
        <td style="width: 3%">

        </td>
        <td style="width: 47%">

        </td>
      </tr>
    </table>
    </div>
    <p>

    </p>
  </body>
</html>
<!--<!DOCTYPE html
     PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN"
     "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">-->
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a51965866ex99_1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
  <head>
    <title></title>
<!--Copyright 2019 Business Wire, a Berkshire Hathaway company.-->
<!--All rights reserved www.businesswire.com-->
  </head>
  <body style="font-family: Times New Roman; font-size: 8pt">
    <p style="text-align: right">
      <b>Exhibit 99.1</b>
    </p>
    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 12pt"><b>FB
      Financial Corporation Completes Branch Acquisition</b></font>
    </p>
    <p style="text-align: center">
      <i><font style="font-family: Times New Roman; font-size: 12pt"><b>Adds
      10 Branches to Its East Tennessee and North Georgia Footprint</b></font></i>
    </p>
    <p style="text-align: center">
      <i><font style="font-family: Times New Roman; font-size: 12pt"><b>Adds
      $598 Million in Deposits and $385 million in Loans</b></font></i>
    </p>
    <p>
      NASHVILLE, Tenn.--(BUSINESS WIRE)--April 8, 2019--FB Financial
      Corporation (NYSE: FBK) announced today the completion, effective April
      5, 2019, of the previously announced acquisition by its subsidiary,
      FirstBank, of the branch locations in East Tennessee and North Georgia
      of Atlantic Capital Bank, N.A., a wholly-owned subsidiary of Atlantic
      Capital Bancshares, Inc. (Nasdaq: ACBI) (collectively, &#8220;Atlantic
      Capital&#8221;).
    </p>
    <p>
      After assuming $598 million in deposits and $385 million in loans with
      the acquisition, FirstBank, the third-largest Tennessee-headquartered
      bank, has approximately $5.7 billion in assets, $4.1 billion in loans
      held for investment and $4.8 billion in deposits on a pro forma basis as
      of December 31, 2018.
    </p>
    <p>
      The acquisition adds customer relationships and additional branch
      locations in the Knoxville and Chattanooga markets while expanding into
      the nearby Dalton, Georgia market. FB Financial now operates 66 branches
      across its footprint and pro forma ranks 5<sup>th</sup> in Chattanooga, 6<sup>th</sup>
      in Knoxville and 6<sup>th</sup> in Tennessee in deposit market share,
      based on Federal Deposit Insurance Corporation data as of June 30, 2018.
    </p>
    <p>
      The acquired Atlantic Capital branches are now fully operational and
      have either been rebranded as FirstBank branches or merged into existing
      FirstBank locations. Atlantic Capital customer accounts have now been
      fully converted to FirstBank accounts.
    </p>
    <p>
      &#8220;This is an outstanding addition in these dynamic markets that
      strengthens our position as Tennessee&#8217;s premier community bank,&#8221;
      remarked Christopher T. Holmes, President and Chief Executive Officer of
      FB Financial. &#8220;We are thrilled to welcome Atlantic Capital&#8217;s customers
      and associates to the FirstBank family and look forward to serving you.
      We appreciate the efforts that our friends at Atlantic Capital have made
      throughout this process, and I expect the integration to be a smooth one
      as we focus on continuing to deliver excellent customer service.&#8221;
    </p>
    <p>
      Keefe, Bruyette &amp; Woods, Inc. served as financial advisor, and Waller
      Lansden Dortch &amp; Davis, LLP served as legal advisor to FB Financial
      Corporation. Sandler O&#8217;Neill + Partners, L.P. and Banks Street Partners,
      LLC served as financial advisors, and Womble Bond Dickinson (US) LLP
      served as legal advisor to Atlantic Capital Bancshares, Inc.
    </p>
    <p>
      <b>ABOUT FB FINANCIAL CORPORATION</b>
    </p>
    <p>
      FB Financial Corporation (NYSE: FBK) is a bank holding company
      headquartered in Nashville, Tennessee. FB Financial operates through its
      wholly owned banking subsidiary, FirstBank, the third largest
      Tennessee-headquartered bank, with 66 full-service bank branches across
      Tennessee, North Alabama and North Georgia, and mortgage offices across
      the Southeast. FirstBank serves five of the largest metropolitan markets
      in Tennessee and has approximately $5.7 billion in assets.
    </p>
    <div style="margin-right: 0pt; width: 100%; text-indent: 0pt; margin-bottom: 10pt; margin-left: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>
      <b>FORWARD-LOOKING STATEMENTS</b>
    </p>
    <p>
      This news release contains &#8220;forward-looking statements&#8221; within the
      meaning of Section 27A of the Securities Act of 1933, as amended, and
      Section 21E of the Securities Exchange Act of 1934, as amended, that
      have been made pursuant to the safe harbor provisions of the Private
      Securities Litigation Reform Act of 1995. You can identify these
      forward-looking statements in some cases through FB Financial&#8217;s use of
      words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;may,&#8221; &#8220;will,&#8221;
      &#8220;assumes,&#8221; &#8220;should,&#8221; &#8220;predicts,&#8221; &#8220;could,&#8221; &#8220;would,&#8221; &#8220;intends,&#8221; &#8220;targets,&#8221;
      &#8220;estimates,&#8221; &#8220;projects,&#8221; &#8220;plans,&#8221; &#8220;potential&#8221; and other similar words
      and expressions of the future or otherwise regarding the proposed
      acquisition, including the timing, anticipated benefits and financial
      impact thereof, and the outlook for FB Financial&#8217;s future business and
      financial performance.
    </p>
    <p>
      These forward-looking statements include, without limitation, statements
      relating to the anticipated benefits and financial impact of the
      acquisition by the Bank of the acquired Atlantic Capital branches,
      including acceptance by the customers of the acquired Atlantic Capital
      branches FB Financial&#8217;s products and services, the opportunities to
      enhance market share in certain markets, market acceptance of FB
      Financial generally in new markets, expectations regarding future
      investment in the acquired Atlantic Capital branches&#8217; markets and the
      integration of the acquired Atlantic Capital branches&#8217; operations.
      Forward-looking statements are based on the information known to, and
      current beliefs and expectations of, FB Financial&#8217;s management and are
      subject to significant risks and uncertainties. Actual results may
      differ materially from those contemplated by such forward-looking
      statements. A number of important factors could cause actual results to
      differ materially from those contemplated by the forward-looking
      statements in this new release including, without limitation, the
      possibility that any of the anticipated benefits of the acquisition will
      not be fully realized or will not be realized within the expected time
      period; the effect of the announcement of the closing of the acquisition
      on employee and customer relationships and operating results (including,
      without limitation, difficulties in maintaining relationships with
      employees and customers); general competitive, economic, political and
      market conditions and fluctuations; and the other risk factors set forth
      in FB Financial&#8217;s December 31, 2018 Form 10-K, filed with the Securities
      and Exchange Commission on March 12, 2019, under the captions
      &#8220;Cautionary note regarding forward-looking statements&#8221; and &#8220;Risk
      factors&#8221;. Many of these factors are difficult to foresee and are beyond
      FB Financial&#8217;s ability to control or predict. FB Financial believes the
      forward-looking statements contained herein are reasonable; however,
      undue reliance should not be placed on any forward-looking statements,
      which are based on current expectations and speak only as of the date
      that they are made. FB Financial does not assume any obligation to
      update any forward-looking statements as a result of new information,
      future developments or otherwise, except as otherwise may be required by
      law.
    </p>
    <p>

    </p>
    <p>
      CONTACT:<br><b>MEDIA CONTACT:</b><br>Jeanie M. Rittenberry<br>615-313-8328<br><u>jrittenberry@firstbankonline.com</u><br><u>www.firstbankonline.com</u><br>
    </p>
    <p>
      <b>FINANCIAL CONTACT:</b><br>James R. Gordon<br>615-564-1212<br><u>jgordon@firstbankonline.com</u><br><u>investorrelations@firstbankonline.com</u>
    </p>
    <p style="white-space: nowrap">

    </p>
  </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
