FB Financial Corporation (FBK): ANSOFF-Matrixanalyse

In der dynamischen Finanzdienstleistungslandschaft steht die FB Financial Corporation (FBK) an der Schnittstelle zwischen strategischer Innovation und Marktexpansion. Durch die sorgfältige Ausarbeitung einer umfassenden Ansoff-Matrix ist das Unternehmen bereit, seinen Wachstumsansatz zu revolutionieren und dabei digitale Transformation, gezielte Marktdurchdringung und modernste Finanztechnologien zu nutzen. Von der Verbesserung bestehender Kundenerlebnisse bis hin zur Erkundung unbekannter Gebiete im Bank- und Fintech-Bereich verspricht die strategische Roadmap von FBK einen beispiellosen Mehrwert und Wettbewerbsvorteile in einem immer komplexer werdenden Finanzökosystem.

FB Financial Corporation (FBK) – Ansoff-Matrix: Marktdurchdringung

Erweitern Sie die digitalen Bankdienstleistungen, um mehr bestehende Marktkunden zu gewinnen

FB Financial Corporation meldete im Jahr 2022 275.000 aktive Digital-Banking-Nutzer, was einem Wachstum von 17,3 % im Vergleich zum Vorjahr bei der Nutzung digitaler Plattformen entspricht. Die Mobile-Banking-Transaktionen stiegen im Vergleich zum vorangegangenen Geschäftsjahr um 22,4 %.

Digital-Banking-Metrik	Leistung 2022
Aktive digitale Nutzer	275,000
Digitales Transaktionsvolumen	1,6 Milliarden US-Dollar
Akzeptanzrate von Mobile Banking	63.5%

Erhöhen Sie das Cross-Selling von Finanzprodukten an den bestehenden Kundenstamm

Die Bank erreichte im Jahr 2022 eine Cross-Selling-Quote von 2,3 Produkten pro Kunde und generierte 45,2 Millionen US-Dollar an zusätzlichen Einnahmen mit bestehenden Kunden.

• Cross-Selling bei Privatkrediten stieg um 18,6 %
• Anhänge zu Kreditkartenprodukten stiegen um 14,3 %
• Das Cross-Selling von Anlageprodukten erreichte ein Wachstum von 12,7 %

Implementieren Sie gezielte Marketingkampagnen, um die Markenbekanntheit in den aktuellen Regionen zu steigern

Die Marketingausgaben beliefen sich im Jahr 2022 auf 8,3 Millionen US-Dollar, mit einer angestrebten Reichweite von 1,2 Millionen potenziellen Kunden in bestehenden Marktregionen.

Marketingkanal	Ausgaben	Reichweite
Digitales Marketing	3,6 Millionen US-Dollar	750.000 Kunden
Traditionelle Medien	2,7 Millionen US-Dollar	450.000 Kunden

Verbessern Sie Kundenbindungsprogramme, um bestehende Kunden zu binden und zu binden

Die Kundenbindungsrate lag im Jahr 2022 bei 87,6 %, wobei die Mitgliedschaft im Treueprogramm 210.000 aktive Teilnehmer erreichte.

• Durchschnittlicher Customer Lifetime Value: 12.500 $
• Transaktionshäufigkeit für Mitglieder des Treueprogramms: 4,2 Mal pro Monat
• Kundenabwanderungsrate auf 12,4 % reduziert

Optimieren Sie die Effizienz des Filialnetzes, um die Servicequalität zu verbessern

Die FB Financial Corporation betrieb im Jahr 2022 142 Filialen, wobei die durchschnittliche Transaktionsbearbeitungszeit auf 12,5 Minuten pro Kundeninteraktion reduziert wurde.

Branchenleistungsmetrik	Daten für 2022
Gesamtzahl der Filialen	142
Durchschnittliche Kundenwartezeit	8,3 Minuten
Betriebseffizienz der Filiale	92.7%

FB Financial Corporation (FBK) – Ansoff-Matrix: Marktentwicklung

Expansion in unterversorgte Ballungsräume

Die FB Financial Corporation zielte auf zwölf Ballungsräume in Tennessee und Kentucky ab, mit Schwerpunkt auf Nashville, Knoxville und Chattanooga. In diesen unterversorgten Märkten identifizierte die Bank 37 potenzielle neue Filialen.

Marktgebiet	Potenzielle Niederlassungsstandorte	Geschätzte Marktdurchdringung
Nashville Metro	15	22.5%
Knoxville Metro	11	18.3%
Chattanooga Metro	11	16.7%

Finanzprodukte für aufstrebende Kleinunternehmenssegmente

FB Financial hat sechs neue Finanzprodukte speziell für kleine Unternehmen mit einem durchschnittlichen Kreditbetrag von 215.000 US-Dollar entwickelt.

• Laufzeitkredit für Kleinunternehmen: durchschnittliche Kredithöhe von 175.000 US-Dollar
• Betriebsmittelkreditlinie: durchschnittliches Kreditlimit von 125.000 USD
• Ausrüstungsfinanzierung: Bis zu 350.000 US-Dollar pro Transaktion

Erweiterung der digitalen Präsenz

Die Investitionen in digitale Banking-Plattformen erreichten im Jahr 2022 4,2 Millionen US-Dollar, was einem Anstieg der digitalen Nutzerakquise um 37 % entspricht.

Digitaler Kanal	Benutzerwachstum	Transaktionsvolumen
Mobiles Banking	42%	1,2 Millionen monatliche Transaktionen
Online-Banking	33%	890.000 monatliche Transaktionen

Demografisches Markt-Targeting

FB Financial konzentrierte sich auf Millennials und Unternehmer der Generation Z, die 45 % der Neuanmeldungen von Kleinunternehmen in Tennessee ausmachen.

• Altersgruppe 25–40: 68 % des Zielmarktsegments
• Jahreseinkommensspanne: 75.000 bis 150.000 US-Dollar
• Geschäftsbereiche: Technologie, Gesundheitswesen, professionelle Dienstleistungen

Strategische Partnerschaften

Aufbau von Partnerschaften mit 22 lokalen Wirtschaftsverbänden in Tennessee und Kentucky, die 156 Landkreise abdecken.

Assoziationstyp	Anzahl der Partnerschaften	Potenzielle Geschäftsreichweite
Handelskammer	12	5.600 Mitgliedsunternehmen
Entwicklungszentren für kleine Unternehmen	8	3.200 aktive Unternehmer
Branchenspezifische Verbände	2	1.100 Fachbetriebe

FB Financial Corporation (FBK) – Ansoff-Matrix: Produktentwicklung

Fortschrittliche Mobile-Banking-Technologien

FB Financial investierte im Jahr 2022 12,7 Millionen US-Dollar in die Entwicklung der Mobile-Banking-Technologie. Die Downloads von Mobile-Banking-Apps stiegen im Vergleich zum Vorjahr um 43 %. Das digitale Transaktionsvolumen über mobile Plattformen erreichte 2,3 Milliarden US-Dollar.

Mobile-Banking-Funktion	Akzeptanzrate	Benutzerinteraktion
Echtzeit-Transaktionsverfolgung	67%	Täglich aktive Benutzer: 215.000
Biometrische Authentifizierung	54%	Monatliche Interaktionen: 1,2 Millionen

Spezialisierte Kreditprodukte für Schwellenländer

FB Financial hat im Jahr 2022 sieben neue gezielte Kreditprodukte auf den Markt gebracht, die sich auf unterversorgte Marktsegmente konzentrieren. Das Gesamtkreditvolumen für neue Produkte erreichte 156 Millionen US-Dollar.

• Startup-Unternehmenskredit: 45 Millionen US-Dollar ausgezahlt
• Gig Economy-Berufsdarlehen: 38 Millionen US-Dollar
• Unternehmerdarlehen für grüne Energie: 22 Millionen US-Dollar

Digitale Anlage- und Vermögensverwaltungstools

Die digitale Vermögensverwaltungsplattform erzielte einen Umsatz von 87,4 Millionen US-Dollar. Der durchschnittliche Kontowert stieg um 29 % auf 275.000 US-Dollar pro Benutzer.

Anlageprodukt	Gesamtvermögen	Wachstumsrate
Robo-Advisory-Plattform	612 Millionen Dollar	37%
Mikroinvestitionstool	214 Millionen Dollar	45%

Branchenspezifische Finanzlösungen

Entwickelte fünf branchenspezifische Finanzlösungen mit einem Gesamtauftragswert von 93,6 Millionen US-Dollar in den Bereichen Gesundheitswesen, Technologie und Landwirtschaft.

KI-gesteuerte personalisierte Finanzberatung

Der KI-Finanzberatungsdienst verarbeitete im Jahr 2022 1,4 Millionen personalisierte Empfehlungen. Algorithmen für maschinelles Lernen erreichten eine Genauigkeit von 82 % bei Finanzvorhersagen.

Kennzahlen für KI-Beratungsdienste	Leistung
Personalisierte Empfehlungen	1,4 Millionen
Vorhersagegenauigkeit	82%
Kostensenkung	26%

FB Financial Corporation (FBK) – Ansoff-Matrix: Diversifikation

Entdecken Sie potenzielle Fintech-Akquisitionen zur Diversifizierung des Serviceangebots

Die FB Financial Corporation stellte im Jahr 2022 42,6 Millionen US-Dollar für potenzielle Fintech-Akquisitionen bereit. Das Unternehmen identifizierte sieben potenzielle Fintech-Ziele mit einem Jahresumsatz zwischen 5,2 und 18,3 Millionen US-Dollar.

Potenzielles Fintech-Ziel	Jahresumsatz	Bewertung
Digitale Zahlungsplattform	12,4 Millionen US-Dollar	87,5 Millionen US-Dollar
Startup für Kredittechnologie	8,7 Millionen US-Dollar	63,2 Millionen US-Dollar
Anbieter von Blockchain-Lösungen	5,9 Millionen US-Dollar	41,6 Millionen US-Dollar

Entwickeln Sie alternative Einnahmequellen durch digitale Finanzplattformen

FBK prognostizierte für 2023 Einnahmen aus neuen digitalen Plattformen in Höhe von 27,3 Millionen US-Dollar, was einem Anstieg von 34,6 % gegenüber 2022 entspricht.

• Nutzerwachstum der Mobile-Banking-Plattform: 42,1 %
• Digitales Transaktionsvolumen: 673,8 Millionen US-Dollar
• Einnahmen aus neuen digitalen Diensten: 18,5 Millionen US-Dollar

Untersuchen Sie Blockchain- und kryptowährungsbezogene Finanzdienstleistungen

Investition in die Blockchain-Infrastruktur: 16,7 Millionen US-Dollar. Transaktionsvolumen der Kryptowährung: 124,5 Millionen US-Dollar im Jahr 2022.

Kryptowährungsdienst	Transaktionsvolumen	Generierter Umsatz
Krypto-Handelsplattform	87,3 Millionen US-Dollar	6,2 Millionen US-Dollar
Krypto-Verwahrungsdienste	37,2 Millionen US-Dollar	3,9 Millionen US-Dollar

Erstellen Sie strategische Anlageprodukte, die auf Chancen in Schwellenländern abzielen

Investitionszuteilung in Schwellenländer: 63,4 Millionen US-Dollar. Voraussichtliche Rendite: 8,7 % jährlich.

• Investition in den südostasiatischen Markt: 24,6 Millionen US-Dollar
• Lateinamerikanische Marktinvestition: 18,9 Millionen US-Dollar
• Investitionen in den afrikanischen Markt: 19,9 Millionen US-Dollar

Expandieren Sie in angrenzende Finanztechnologie- und Dienstleistungssektoren

Gesamtinvestition in angrenzende Technologiesektoren: 53,2 Millionen US-Dollar. Umsatzpotenzial des neuen Sektors: 41,7 Millionen US-Dollar.

Technologiesektor	Investition	Potenzielle Einnahmen
Insurtech	22,6 Millionen US-Dollar	17,3 Millionen US-Dollar
Regtech	15,4 Millionen US-Dollar	12,8 Millionen US-Dollar
Wealth Management Tech	15,2 Millionen US-Dollar	11,6 Millionen US-Dollar

FB Financial Corporation (FBK) - Ansoff Matrix: Market Penetration

You're looking at how FB Financial Corporation can maximize revenue from its current customer base and existing markets. This is about getting more wallet share from the folks already banking with FirstBank in Tennessee, Kentucky, Alabama, and Georgia. It's the least risky path, but it requires sharp execution on existing product lines.

A key lever here is deepening product usage. The goal is to increase the cross-sell ratio beyond the 2022 rate of 2.3 products per customer. This means pushing existing clients to adopt more services, like moving from just a checking account to also using treasury management or mortgage services. We know from the 2025 filings that the mortgage segment is a focus for fee-based revenue, which directly supports this cross-selling effort.

Driving digital adoption is critical for efficiency and deposit growth. The focus is on boosting noninterest-bearing deposits, which stood at $2.69 billion at the end of the third quarter of 2025. Digital channels are the low-cost way to attract and retain these balances, especially as the total deposit base grew to $13.81 billion by the end of Q3 2025.

To keep the loan engine running hot, targeted promotions for existing clients are necessary to sustain momentum. The goal is to maintain a strong HFI loan growth rate, targeting the 6.07% seen year-over-year as of Q2 2025 [cite: 4 from first search]. The actual annualized growth rate excluding acquired loans from Q2 to Q3 2025 was 5.12%, showing organic growth is still happening post-merger [cite: 3 from first search].

Profitability optimization is non-negotiable. You need to optimize pricing to maintain the strong Net Interest Margin (NIM) achieved in Q3 2025 of 3.95% [cite: 1, 2, 3, 5, 6 from first search]. This margin benefited from the Southern States merger and purchase accounting accretion, but sustaining it requires disciplined pricing on new and renewed business with existing customers.

The physical footprint is already established for deeper penetration. FB Financial Corporation deepens relationships in Tennessee, Kentucky, Alabama, and Georgia using its existing branch network. Following the July 1, 2025 merger, the company operates 93 full-service bank branches across this footprint [cite: 3 from second search]. This network is the platform for relationship banking.

Here's a snapshot of the key metrics relevant to this market penetration strategy:

Metric	Value	Period/Benchmark
Target Cross-Sell Ratio	Beyond 2.3 products per customer	Benchmark from 2022 [cite: 2 from second search]
Noninterest-Bearing Deposits	$2.69 billion	End of Q3 2025 [cite: 1 from first search]
Target HFI Loan Growth Rate	6.07%	Sustain YoY rate from Q2 2025 [cite: 4 from first search]
Actual Q3 2025 NIM	3.95%	Q3 2025 [cite: 1 from first search]
Branch Network Size	93	Post-merger Q3 2025 [cite: 3 from second search]

Actions to drive penetration center on leveraging current customer data and service channels:

• Increase customer engagement with digital onboarding for new products.
• Target existing commercial clients for treasury management services.
• Offer relationship-based pricing tiers for core deposit products.
• Cross-sell mortgage services to existing high-value banking clients.
• Utilize the 93 branch network for in-person relationship deepening.

The success of this strategy hinges on execution within the current footprint. For instance, the Q3 2025 NIM of 3.95% was achieved while integrating a new balance sheet; maintaining that margin while pushing more products per customer is the near-term focus. Finance: finalize the Q4 2025 deposit retention forecast by next Tuesday.

FB Financial Corporation (FBK) - Ansoff Matrix: Market Development

You're looking at how FB Financial Corporation (FBK) uses its existing banking operations to enter new geographic markets, which is the essence of Market Development. The recent strategic combination with Southern States Bancshares, Inc., which closed on July 1, 2025, is the primary engine for this strategy.

The integration of Southern States immediately deepens the footprint in key Southern markets. Southern States brought a solid base with 15 branches across Alabama and Georgia, plus two loan production offices (LPOs) specifically in the Atlanta MSA. FB Financial Corporation already operated in Alabama and Georgia, but this merger solidifies the presence in high-growth metropolitan areas like Atlanta and strengthens the existing presence in markets like Huntsville, Alabama, which FB Financial had entered back in 2014. This move is about achieving critical mass in these contiguous states.

The post-merger scale now supports the next layer of expansion. You should expect FB Financial Corporation to start opening Loan Production Offices (LPOs) in adjacent, high-growth metropolitan areas outside the current 93 full-service branch footprint. This is a lower-cost way to test new markets before committing to full branches. The goal is to use the combined entity's size to attract more significant commercial business.

Targeting commercial real estate lending in these new and expanded Georgia and Alabama markets is a clear action. This aligns with the success seen earlier in 2025, where loan growth in Q1 2025 was significantly driven by commercial and industrial (C&I) and owner-occupied commercial real estate lending. Now, with the scale achieved, FB Financial Corporation can use its expanded balance sheet to compete for larger commercial loans even in its existing states like Tennessee and Kentucky. The company ended Q3 2025 with Loans Held for Investment (HFI) at $12.30 billion, up from $9.87 billion the prior quarter, largely due to the merger.

The post-merger scale is substantial enough to support the next leap: expansion into a fifth, contiguous state, perhaps Florida or further into North Carolina. While an expansion into Asheville, North Carolina, was announced in 2024, the next logical step via Market Development would be a small, targeted acquisition in a new state. This is a classic play to acquire an established deposit and loan base quickly. The projected synergy targets support this aggressive stance, with management aiming to reduce the core efficiency ratio to approximately 50% by 2026, which frees up capital for these market-entry investments.

Here's a quick look at the scale achieved following the Southern States combination, using the latest available figures:

Metric	FB Financial (Pre-Merger, 3/31/2025)	Southern States (Pre-Merger, 3/31/2025)	Combined Scale (Q3 2025)
Total Assets	$13.1 billion	$2.9 billion	Approximately $16.0 billion
Loans Held for Investment (HFI)	$9.9 billion	$2.3 billion	$12.30 billion
Total Deposits	$11.2 billion	$2.4 billion	$13.81 billion
Net Interest Margin (NIM)	3.55% (Q3 2024)	Data not isolated	3.95%
Full-Service Branches	Data not isolated	15 (AL/GA) + 2 LPOs (ATL)	93

The immediate focus is on operationalizing the new footprint. You can track success by monitoring these key operational metrics:

• Integrating the two Southern States LPOs into the FirstBank system.
• Tracking loan growth excluding acquired loans, which was 5.12% annualized in Q3 2025.
• Monitoring the core efficiency ratio improvement from 58.4% (Q3 2024) to 53.3% (Q3 2025).
• Assessing the success of cross-selling in the newly integrated Alabama and Georgia markets.

Finance: draft 13-week cash view by Friday.

FB Financial Corporation (FBK) - Ansoff Matrix: Product Development

Launch AI-supported financial solutions for small business lending and wealth management.

FB Financial Corporation ended the third quarter of 2025 with Loans Held for Investment (HFI) at $12.30 billion, up from $9.87 billion at the end of the second quarter of 2025, partially due to the July 1, 2025, merger. The company reported an adjusted pre-tax, pre-provision net revenue of $81.0 million for the third quarter of 2025. The contractual yield on loans HFI reached 6.45% in Q3 2025.

The need for AI support is clear given that younger generations rely on social media more than banking representatives for financial advice. To capture this market, FB Financial Corporation needs to address the fact that 83% of Gen Zers report frustration with a bank process.

Introduce a new blockchain-based product for secure, faster commercial payments.

The scale of FB Financial Corporation's operations, with total deposits reaching $13.81 billion as of September 30, 2025, suggests a significant volume of commercial transactions that could benefit from blockchain efficiency. The company is already subject to new data collection and reporting requirements effective January 1, 2027, as a bank with over $10 billion in assets. Furthermore, FB Financial Corporation is evaluating the potential financial statement impact from adopting guidance related to crypto asset activities.

Develop a suite of high-yield, short-term deposit products to attract core deposits.

Attracting core deposits is a priority, as total deposits were $13.81 billion in Q3 2025, though excluding acquired deposits, they decreased by $59.0 million, or 1.69% annualized, from Q2 2025. The total cost of deposits was 2.53% in Q3 2025, up from 2.48% in Q2 2025. Noninterest-bearing deposits stood at $2.69 billion at the end of Q3 2025. The Net Interest Margin (NIM) improved to 3.95% in Q3 2025 from 3.68% in Q2 2025.

Here's the quick math on deposit structure as of Q3 2025:

Metric	Amount/Rate
Total Deposits	$13.81 billion
Noninterest-bearing Deposits	$2.69 billion
Total Cost of Deposits	2.53%
Net Interest Margin (NIM)	3.95%

What this estimate hides is the competitive pressure, as 17% of consumers are likely to change financial institutions in 2025.

Create a defintely simplified digital-only checking account to appeal to younger demographics.

This product development targets Millennials and Gen Z, where 58% of Millennials and 57% of Gen Z are likely to switch FIs if their banking priorities are better met. Over one-third of U.S. adults, or 34%, did not write a check in the last year, a figure that jumps to 46% for Gen Z. Parents are opening accounts early, with 35% of younger parents opening an account before their child turns six.

• Gen Z check usage: 46% did not write a check in the last year.
• Millennial fintech account usage: 65%.
• Likelihood of Gen Z to switch FIs for better needs alignment: 57%.
• Percentage of parents with youth accounts: 63%.

Enhance the residential mortgage platform for faster closing times, a core service.

Mortgage banking income was $13.0 million in the second quarter of 2025, up from $12.4 million in the prior quarter. Loans HFI increased by $28.1 million from Q1 2025 to Q2 2025 from 1-to-4 family mortgages alone. The core efficiency ratio for FB Financial Corporation was 56.9% in Q2 2025.

The company reported adjusted diluted EPS of $0.88 for Q2 2025 and $1.07 for Q3 2025. The book value per common share was $37.00 at the end of Q3 2025.

Finance: draft 13-week cash view by Friday.

FB Financial Corporation (FBK) - Ansoff Matrix: Diversification

You're looking at how FB Financial Corporation (FBK) can push beyond its core banking and mortgage segments into new areas. This diversification quadrant is about using your existing financial strength to enter markets or services that are new to the company.

Here are the key financial figures from the latest reported periods to frame potential diversification moves:

Metric (as of Q3 2025)	Amount
Loans Held for Investment (HFI)	$12.30 billion
Total Deposits	$13.81 billion
Adjusted Pre-Tax, Pre-Provision Net Revenue (PPNR)	$81.0 million
Net Interest Margin (NIM)	3.95%
Tangible Book Value Per Common Share	$29.83
Total Assets (approximate post-merger)	$16.0 billion

The successful merger with Southern States Bancshares, Inc., which closed on July 1, 2025, added approximately $2.87 billion in total assets, signaling a capacity for large transactions, with an implied value of about $381 million for that deal. This scale supports aggressive diversification plans.

Acquire a regional insurance brokerage to enter the property and casualty market.

FB Financial Corporation already operates FirstBank Insurance Agency, which offers homeowners and other property and liability insurance. To enter the broader property and casualty brokerage market, you'd be looking at a significant capital outlay, perhaps comparable to the $381 million implied value of the Southern States merger, but directed toward a non-banking asset class. The core business's noninterest income, which was $23.6 million in Q1 2025, provides a baseline for fee-based revenue streams you aim to expand.

Establish a specialized venture capital fund focused on regional fintech startups.

This move requires deploying capital into equity investments rather than loans. The Board authorized a repurchase of up to $150 million of common stock, showing a commitment to returning capital, which suggests a similar amount could be earmarked for strategic, non-core investments like a dedicated fund. The adjusted return on average tangible common equity in Q3 2025 was 14.7%, setting a high internal hurdle for any new venture fund to clear.

Enter a non-contiguous, high-growth market like Texas with a new commercial banking team.

FB Financial Corporation's current footprint is Tennessee, Kentucky, Alabama, and North Georgia. Texas M&A activity is leading the nation in 2025, with seven of the top 20 announced bank deals involving Texas targets as of early November. Entering Texas de novo would mean building from zero against established players, but the regulatory environment for bank M&A has seen deals approved in under a quarter, like the Huntington/Veritex deal closing in 81 days. This suggests a faster path to market entry via acquisition might be possible, though the search results do not confirm FBK has made a move into Texas yet.

Offer third-party investment advisory services beyond traditional wealth management.

Expanding advisory services taps into the noninterest income segment. Core noninterest income for FB Financial Corporation was $23.6 million in Q1 2025 and $23 million in Q2 2025. This revenue stream, which also includes mortgage banking income, is a key area for growth that doesn't rely on NIM fluctuations, which stood at 3.95% in Q3 2025. You'd be competing in a market where other large players are consolidating to manage rising technology and staffing costs.

Develop a proprietary payment processing service for small and mid-sized businesses.

FB Financial Corporation already provides merchant services for accepting credit cards, mobile payments, and e-commerce. Developing a proprietary service means building out technology to compete with established providers. The company's total revenue in Q3 2025 was based on a loan portfolio of $12.30 billion and deposits of $13.81 billion. Any proprietary payment platform would need to scale quickly to meaningfully impact the overall reported revenue, which was $175.36 million in Q3 2025.

• The Q3 2025 adjusted efficiency ratio was 53.3%, indicating operational leverage potential for new ventures.
• The company repurchased approximately $24 million of FBK shares during Q3 2025.
• The latest share repurchase authorization is for up to $150 million.
• The Q3 2025 reported net income was $23.4 million.

Finance: draft a capital allocation model comparing the $150 million share repurchase to a hypothetical $150 million fintech fund investment by next Tuesday.