HIGHBuilt-inLoan_portfolio
77%
real estate collateral
“10-K Item 1A: 'approximately 77% of our loan portfolio was comprised of loans with real estate as a primary or secondary component of collateral'”
FBK · Concentration risk · 10-K extracted
FB Financial (FBK) concentration risks
Updated
The most significant concentration FB Financial discloses is real estate collateral at 77%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: FB Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
62%
Tennessee
“10-K Item 1A: 'approximately 55% of our loans and approximately 62% of our deposits were made to borrowers or received from depositors who live and/or primarily conduct business in Tennessee'”
MEDIUMBuilt-inLoan_portfolio
40%
commercial real estate loans
“10-K Item 1A: 'commercial real estate (both owner-occupied and non-owner occupied) - 40%; commercial and industrial - 18%; and construction - 10%'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile is a classic community bank configuration: high loan-to-real-estate collateral dependency, high geographic deposit and loan concentration in a single state, and a moderate commercial real estate sub-segment share. Approximately 77% of the loan portfolio is comprised of loans with real estate as a primary or secondary component of collateral, a high share by disclosed size with a structural character — this reflects the asset-secured lending model of a community bank rather than an idiosyncratic underwriting decision. Real estate collateral concentration means that any sustained regional property value decline would simultaneously impair collateral coverage across the majority of the book. The geographic exposure reinforces the collateral risk: approximately 55% of loans and approximately 62% of deposits were made to borrowers or received from depositors who live and/or primarily conduct business in Tennessee. By disclosed size this is a high share, and the structural character means both sides of the balance sheet are tied to Tennessee's economic conditions. A regional recession or property downturn in Tennessee would compress credit quality and potentially pressure deposit stability in tandem. Within the loan book, commercial real estate loans constitute approximately 40% of the portfolio, a moderate share that includes both owner-occupied and non-owner-occupied properties. This is the sub-segment most sensitive to capitalization-rate movements and commercial property market cycles. The three exposures — collateral type, geography, and CRE sub-segment — are structurally correlated and would be tested together in a regional economic stress scenario.
For the engine’s reasoning on FBK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| FBK● | FB Financial Corporation | 2 | 1 | 0 | 3 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.