# EDGAR Filing Document

**Accession Number:** 0001649749
**File Stem:** 0001104659-25-113071
**Filing Date:** 2025-11
**Character Count:** 174705
**Document Hash:** 798119016bd4be1f24a43f5cb8f89bf9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-113071.hdr.sgml**: 20251117

**ACCESSION NUMBER**: 0001104659-25-113071

**CONFORMED SUBMISSION TYPE**: 424B7

**PUBLIC DOCUMENT COUNT**: 14

**FILED AS OF DATE**: 20251117

**DATE AS OF CHANGE**: 20251117

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FB Financial Corp
- **CENTRAL INDEX KEY:** 0001649749
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 621216058
- **STATE OF INCORPORATION:** TN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 424B7
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-291507
- **FILM NUMBER:** 251490174

**BUSINESS ADDRESS:**
- **STREET 1:** 1221 BROADWAY
- **STREET 2:** SUITE 1300
- **CITY:** NASHVILLE
- **STATE:** TN
- **ZIP:** 37203
- **BUSINESS PHONE:** 615-313-0080

**MAIL ADDRESS:**
- **STREET 1:** 1221 BROADWAY
- **STREET 2:** SUITE 1300
- **CITY:** NASHVILLE
- **STATE:** TN
- **ZIP:** 37203

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** First South Bancorp, Inc.
- **DATE OF NAME CHANGE:** 20150731

**As Filed Pursuant to Rule 424(b)(7)** 

**Registration Statement No. 333-291507**

**Prospectus Supplement**

**(To Prospectus dated November 13, 2025)**

![](tm2531092d1_fblogo.jpg)

**2,162,052 Shares**

**Common Stock**

___________

This prospectus supplement relates to the offer for sale of 2,162,052 shares of common stock, par value $1.00, of FB Financial Corporation in a registered direct offering directly to certain institutional investors (the "Investors") pursuant to this prospectus supplement, the accompanying base prospectus and a share purchase agreement entered into by and among us, the Investors and the selling shareholder named in this prospectus supplement. For a more detailed description of the selling shareholder, see "Selling Shareholder" on page S-10 of this prospectus supplement.

This offering is being made without an underwriter or a placement agent and we are not paying underwriting discounts or commissions. The shares will be sold to Investors at a price per share of $51.50. We are not selling any of the shares described in this prospectus supplement, and, accordingly, will not receive any proceeds from the sale of any of the shares by the selling shareholder. The selling shareholder will receive all of the proceeds from the sale of the shares.

We intend to concurrently repurchase from the selling shareholder 1,717,948 shares of our common stock at a price per share equal to the price offered to the Investors (the "Share Repurchase"). The offering to the Investors is not conditioned upon the Share Repurchase. Nothing in this prospectus supplement should be construed as an offer to sell, or the solicitation of an offer to buy, any shares of our common stock subject to the Share Repurchase. See "Summary – Concurrent Share Repurchase."

Our common stock is listed on the New York Stock Exchange ("NYSE") under the symbol "FBK." The last reported sale price of our common stock on November 13, 2025 was $54.60 per share.

**Investing in shares of our common stock involves risks that are described in the "Risk Factors" section beginning on page S-4 of this prospectus supplement and in the accompanying prospectus, in our most recent Annual Report on Form 10-K and in the other information that we file from time to time with the Securities and Exchange Commission (the "SEC") that is incorporated by reference in this prospectus supplement and the accompanying prospectus.**

**These securities are not savings accounts or deposits or obligations of any bank and are not insured by the FDIC or any other government agency.**

**None of the SEC, the Federal Deposit Insurance Corporation ("FDIC"), the Board of Governors of the Federal Reserve System or any other federal regulatory agency, and no state securities commission, has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus supplement. Any representation to the contrary is a criminal offense.**

Delivery of the shares to purchasers is expected on or about November 17, 2025.

**The date of this prospectus supplement is November 14, 2025.**

**TABLE OF CONTENTS** 

**Prospectus Supplement**

---

| | |
|:---|:---|
| [ABOUT THIS PROSPECTUS SUPPLEMENT](#ps_001) | [S-1](#ps_001) |
| [SUMMARY](#ps_002) | [S-2](#ps_002) |
| [THE OFFERING](#ps_003) | [S-3](#ps_003) |
| [RISK FACTORS](#ps_004) | [S-4](#ps_004) |
| [CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS](#ps_005) | [S-6](#ps_005) |
| [USE OF PROCEEDS](#ps_006) | [S-8](#ps_006) |
| [DIVIDEND POLICY](#ps_007) | [S-9](#ps_007) |
| [SELLING SHAREHOLDER](#ps_008) | [S-10](#ps_008) |
| [PLAN OF DISTRIBUTION](#ps_009) | [S-12](#ps_009) |
| [LEGAL MATTERS](#ps_010) | [S-13](#ps_010) |
| [EXPERTS](#ps_011) | [S-13](#ps_011) |
| [WHERE YOU CAN FIND MORE INFORMATION](#ps_012) | [S-13](#ps_012) |
| [INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE](#ps_013) | [S-13](#ps_013) |

---

**Prospectus**

---

| | |
|:---|:---|
| [ABOUT THIS PROSPECTUS](#pros_001) | [1](#pros_001) |
| [CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS](#pros_002) | [2](#pros_002) |
| [THE COMPANY](#pros_003) | [5](#pros_003) |
| [RISK FACTORS](#pros_004) | [6](#pros_004) |
| [USE OF PROCEEDS](#pros_005) | [7](#pros_005) |
| [DESCRIPTION OF CAPITAL STOCK](#pros_006) | [8](#pros_006) |
| [DESCRIPTION OF SENIOR AND SUBORDINATED DEBT SECURITIES](#pros_007) | [16](#pros_007) |
| [DESCRIPTION OF DEPOSITARY SHARES](#pros_008) | [27](#pros_008) |
| [DESCRIPTION OF PURCHASE CONTRACTS](#pros_009) | [31](#pros_009) |
| [DESCRIPTION OF UNITS](#pros_010) | [32](#pros_010) |
| [DESCRIPTION OF WARRANTS](#pros_011) | [33](#pros_011) |
| [DESCRIPTION OF RIGHTS](#pros_012) | [35](#pros_012) |
| [SELLING SHAREHOLDERS](#pros_013) | [37](#pros_013) |
| [PLAN OF DISTRIBUTION](#pros_014) | [38](#pros_014) |
| [LEGAL MATTERS](#pros_015) | [40](#pros_015) |
| [EXPERTS](#pros_016) | [40](#pros_016) |
| [WHERE YOU CAN FIND MORE INFORMATION](#pros_017) | [40](#pros_017) |
| [INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE](#pros_018) | [41](#pros_018) |

---

S-ii

**ABOUT THIS PROSPECTUS SUPPLEMENT**

This document is presented in two parts. The first part is comprised of this prospectus supplement, which describes the specific terms of this offering and certain other matters relating to us and the selling shareholder. The second part, the accompanying prospectus, contains a description of our common stock and provides more general information, some of which does not apply to this offering, regarding securities that we and certain selling shareholders may offer from time to time. To the extent that the information contained in this prospectus supplement differs or varies from the information contained in the accompanying prospectus or documents that we previously filed with the SEC, the information in this prospectus supplement will supersede such information.

This prospectus supplement and the accompanying prospectus incorporate by reference important business and financial information about us that is not included in or delivered with this prospectus supplement and the accompanying prospectus. This information incorporated by reference is considered to be part of this prospectus supplement and the accompanying prospectus, and information that we file later with the SEC will automatically update and supersede this information. This information is available without charge upon written or oral request. See "Where You Can Find More Information" and "Incorporation of Certain Documents by Reference." It is important for you to read and consider all information contained in this prospectus supplement, the accompanying prospectus and incorporated by reference herein and therein before making your investment decision.

You should rely only upon the information contained or incorporated by reference in this prospectus supplement, the accompanying prospectus and any free writing prospectus prepared by or on behalf of us or to which we or the selling shareholder has referred you. Neither the Company nor the selling shareholder has authorized anyone to provide you with different or additional information. Neither the Company nor the selling shareholder takes any responsibility for, and can provide no assurance as to the reliability of, any different or additional information that others may give you.

The selling shareholder is not making an offer to sell these shares in any jurisdiction where the offer or sale is not permitted. The information contained in or incorporated by reference in this prospectus supplement and the accompanying prospectus is accurate only as of the date of this prospectus supplement and the accompanying prospectus, regardless of the time of the delivery of this prospectus supplement and the accompanying prospectus or any sale of our common stock. Our assets, business, cash flows, financial condition, liquidity, prospects and results of operations may have changed since that date.

In this prospectus supplement, "we," "our," "us," "FB Financial" or "the Company" refers to FB Financial Corporation, a Tennessee corporation, and our consolidated banking subsidiary, FirstBank, a Tennessee state chartered bank, unless the context indicates that we refer only to the parent company, FB Financial Corporation. In this prospectus supplement, "Bank" or "FirstBank" refers to FirstBank, our consolidated banking subsidiary. In this prospectus supplement, references to the "selling shareholder" refer to the selling shareholder named in the table under the heading "Selling Shareholder" in this prospectus supplement.

**SUMMARY**

*This summary highlights information contained elsewhere in this prospectus supplement, the accompanying prospectus and the documents incorporated herein and therein by reference. This summary does not contain all of the information that you should consider before investing in shares of our common stock. You should read this entire prospectus supplement, the accompanying prospectus and documents incorporated by reference herein and therein carefully, including the information set forth in "Risk Factors," and the documents identified in the sections "Where You Can Find More Information" and "Incorporation of Certain Documents by Reference" in this prospectus supplement before making an investment decision.*

**Company Overview**

We are a financial holding company headquartered in Nashville, Tennessee. We operate primarily through our wholly-owned subsidiary bank, FirstBank, and its subsidiaries.

As of September 30, 2025, our footprint included 91 full-service branches throughout Tennessee, Alabama, Kentucky and Georgia and provided commercial and consumer banking services to the Asheville, North Carolina market.

We operate through two segments, Banking and Mortgage. We generate most of our revenue in our Banking segment from interest on loans and investments, loan-related fees, trust and investment services and deposit-related fees. Our primary source of funding for our loans is customer deposits, however we have other sources of funds including unsecured credit lines, brokered CDs, and other borrowings. We generate most of our revenue in our Mortgage segment from origination fees and gains on sales in the secondary mortgage loan market, as well as from mortgage servicing revenues.

As of September 30, 2025, we had total assets of $16.24 billion, loans held for investment of $12.30 billion, total deposits of $13.81 billion, and total shareholders' equity of $1.98 billion..

**Acquisition of Southern States Bank**

On July 1, 2025, we completed our acquisition of Southern States Bancshares, Inc., an Alabama corporation, and its wholly-owned banking subsidiary, Southern States Bank (collectively, "Southern States") (such acquisition, the "Merger"). At the closing of the Merger, Southern States had total assets of $2.87 billion, loans of $2.32 billion, and deposits of $2.47 billion.

**Concurrent Share Repurchase**

Subject to the completion of this offering, we intend to concurrently repurchase from the selling shareholder 1,717,948 shares at a price per share equal to the price offered to the Investors. This offering is not conditioned upon the Share Repurchase. The Share Repurchase will be made pursuant to the share repurchase program approved by our board of directors. The Share Repurchase was approved by our audit committee (the "Audit Committee") on November 12, 2025 and by our board of directors on November 12, 2025.

Nothing in this prospectus supplement should be construed as an offer to sell, or the solicitation of an offer to buy, any shares of our common stock subject to the Share Repurchase. See "The Offering – Concurrent Share Repurchase."

**Company Information**

Our principal executive office is located at 1221 Broadway, Suite 1300 Nashville, Tennessee 37203, and our telephone number is (615) 564-1212. Through FirstBank, we maintain an internet website at www.firstbankonline.com. The information contained on or accessible from our website does not constitute a part of this prospectus supplement and is not incorporated by reference herein.

**THE OFFERING**

---

| | |
|:---|:---|
| Issuer | FB Financial Corporation<br>|
| Common stock offered by the selling shareholder | 2,162,052 shares |
| Common stock outstanding after this offering | 53,462,482 shares(1) |
| Use of Proceeds | We will not receive any proceeds from the sale of any of the shares by the selling shareholder. The selling shareholder will receive all of the proceeds from the sale of the shares. See "Use of Proceeds" on page S-8 of this prospectus supplement. |
| Dividend Policy | On July 25, 2025, we announced the payment of a quarterly cash dividend of $0.19 per share of our common stock, and, on August 26, 2025, we paid a cash dividend to shareholders of record as of August 12, 2025. See "Dividend Policy" on page S-9 of this prospectus supplement. |
| Concurrent Share Repurchase | We intend to concurrently repurchase from the selling shareholder 1,717,948 shares of our common stock at a price per share equal to the price offered to Investors. The Share Repurchase will be made pursuant to the share repurchase program approved by our board of directors. Pursuant to our policy for related-party transactions, the selling shareholder is deemed a "related party" and therefore the Share Repurchase requires prior approval by our Audit Committee. The Share Repurchase was approved by our Audit Committee on November 12, 2025 and by our board of directors on November 12, 2025.<br>This offering is not conditioned upon the Share Repurchase.  |
| Risk Factors | Investing in shares of our common stock involves risks. Before making a decision to invest in shares of our common stock, you should carefully consider the risks that are described in the "Risk Factors" section beginning on page S-4 of this prospectus supplement and in the accompanying prospectus, in our most recent Annual Report on Form 10-K and in the other information that we file from time to time with the SEC that is incorporated by reference in this prospectus supplement and the accompanying prospectus. |
| NYSE Symbol | "FBK" |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) The number of shares of our common stock that are issued and outstanding will not change as a result of this offering. The number
of shares of our common stock to be outstanding after this offering is based upon 53,462,482 shares of our common stock outstanding as of
November 12, 2025 and excludes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 586,195 shares of our common stock underlying our issued and outstanding awards of equity based incentive units,
 restricted stock units and deferred stock units;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 1,139,382 shares of our common stock reserved for future issuance under our FB Financial Corporation 2016 Incentive
 Plan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 2,254,929 shares of our common stock reserved for future issuance under our employee stock purchase plan; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. 40,791 shares of our common stock reserved for future issuance under our FB Financial Corporation Legacy Franklin
 Incentive Plan Reserve.

For additional information regarding our common stock, see "Description of Capital Stock" in the accompanying prospectus.

**RISK FACTORS**

*Investing in shares of our common stock involves risks. Before making a decision to invest in shares of our common stock, you should carefully consider the risks that are described in this section, in our most recent Annual Report on Form 10-K and in the other information that we file from time to time with the SEC that is incorporated by reference in this prospectus supplement and the accompanying prospectus. You should also read the sections entitled "Cautionary Note Regarding Forward-Looking Statements" on page S-6 of this prospectus supplement and in the accompanying prospectus. The risks described in the documents incorporated by reference in this prospectus supplement and the accompanying prospectus are not the only ones we face. Additional risks not presently known or that we currently deem immaterial could also materially and adversely affect us. You should consult your own financial and legal advisors as to the risks entailed by an investment in shares of our common stock and the suitability of investing in our shares in light of your particular circumstances. If any of the risks contained in or incorporated by reference into this prospectus supplement or the accompanying prospectus develop into actual events, our assets, business, cash flows, condition (financial or otherwise), credit quality, financial performance, liquidity, long-term performance goals, prospects, and/or results of operations could be materially and adversely affected, the trading price of our common stock could decline and you may lose all or part of your investment.*

***Future sales of additional shares of our common stock or securities convertible into shares of our common stock may dilute our shareholders' ownership in us and may adversely affect us or the trading price of our common stock.***

We are generally not restricted from issuing additional shares of our common stock up to the authorized number of shares set forth in our charter. We may issue additional shares of our common stock or securities convertible into our common stock in the future pursuant to current or future employee stock incentive plans, employee stock grants or in connection with future acquisitions or financings. We cannot predict the size of any such future issuances or the effect, if any, that any such future issuances will have on the trading price of our common stock. Any such future issuances of shares of our common stock or securities convertible into common stock may have a dilutive effect on the holders of our common stock and could have a material negative effect on the trading price of our common stock.

***Future sales of shares of our common stock could lower the trading price of our common stock, and any additional capital raised by us through the sale of additional equity or convertible debt securities may dilute our shareholders' ownership in us and may adversely affect us or the trading price of our common stock.***

The registration statement of which this prospectus supplement and the accompanying prospectus forms a part (the "Shelf Registration Statement") registers the sale of an unlimited amount of additional securities by the Company. The selling shareholder also continues to have registration rights pursuant to the registration rights agreement we entered into in connection with our initial public offering that allows it to require us to file registration statements covering all of the shares of common stock owned by it not already registered pursuant to a prior registration statement or to include those shares of common stock in registration statements that we may file for ourselves or for another holder of shares of our common stock in the future. Following their registration and sale under the applicable registration statement, including the sale of shares by the selling shareholder pursuant to this offering, those shares will become freely tradable. By exercising its registration rights and selling a large number of shares of common stock, the selling shareholder could cause the price of our shares of common stock to decline. In addition, the perception in the public markets that sales by the selling shareholder might occur could also adversely affect the market price of our shares of common stock. See "Selling Shareholder" on page S-10 for additional information regarding the selling shareholder's registration rights.

Accordingly, we may issue additional shares of common stock or other securities in primary offerings and the selling shareholder may resell shares of our common stock in subsequent secondary offerings. We cannot predict the size of additional issuances or future resales of shares of our common stock or convertible securities, the offering price in any such issuance or resale or the effect, if any, that additional issuances or future resales will have on the trading price of our common stock. Additional issuances and resales of substantial amounts of our common stock or convertible securities, or the perception that such additional issuances or resales could occur, may adversely affect prevailing trading prices for our common stock.

***The trading price of our common stock could be volatile.***

 ****

The trading price of our common stock may be volatile and could be subject to wide fluctuations in price in response to various factors, some of which are beyond our control. In addition, if the market for stocks in our industry, or the stock market in general, experiences a loss of investor confidence, the trading price of our common stock could decline for reasons unrelated to our business and operations. If the foregoing occurs, it could cause our stock price to fall and may expose us to lawsuits that, even if unsuccessful, could be costly to defend and a distraction to management, which could materially adversely affect our assets, business, cash flows, condition (financial or otherwise), credit quality, financial performance, liquidity, long-term performance goals, prospects and results of operations.

***The shares of common stock sold in this offering are not FDIC-insured.***

 ****

The shares of common stock sold in this offering are not savings or deposit accounts or other obligations of any bank, insured by the FDIC, any other governmental agency or instrumentality, or any private insurer, and are subject to investment risk, including the possible loss of all or part of your investment in the shares.

***After this offering and the Share Repurchase, the selling shareholder will continue to retain significant voting power.***

Upon the closing of this offering and the Share Repurchase, the selling shareholder will own approximately 13.6% of our common stock. So long as the selling shareholder continues to own a meaningful portion of our common stock, it will have the ability to influence the vote in any election of directors and will have the ability to affect the vote with respect to any transaction that requires shareholder approval regardless of whether others believe the transaction is in our best interests. In any of these matters, the interests of the selling shareholder may differ from or conflict with the interests of our other shareholders. This concentration of ownership also may delay, defer or even prevent a change in control of the Company and may make some transactions more difficult or impossible without the support of the selling shareholder and other members of our management team, even if these transactions are beneficial to other shareholders. The interests of the selling shareholder and other shareholders that are members of our management team may conflict with your interests. Moreover, this concentration of stock ownership may also adversely affect the trading price of our common stock to the extent investors perceive disadvantages in owning stock of a company with a significant shareholder who owns a meaningful amount of our common stock.

***The expenses that we have agreed to pay on behalf of the selling shareholder in connection with this offering and certain future offerings could be material.***

 ****

We are not selling any of the shares described in this prospectus supplement, and, accordingly, will not receive any proceeds from the sale of any of the shares by the selling shareholder. The selling shareholder will receive all of the proceeds from the sale of the shares. Moreover, pursuant to the terms of the registration rights agreement we entered into in connection with our initial public offering, we have agreed to pay, and reimburse the Selling Shareholder for the payment of, the reasonable fees and disbursements of one counsel selected by the Selling Shareholder that are incurred in connection with the sale of shares described in this prospectus supplement. See "Selling Shareholder" on page S-10. Further, after the completion of this offering, the selling shareholder will continue to have the right, subject to certain limitations as to a minimum dollar amount, to demand one or more subsequent sales of its securities in a public offering, the costs of which must be borne by the Company.

**CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS**

This prospectus supplement, including the information included or incorporated by reference in this prospectus supplement, contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), which are intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements regarding the Company's future plans, results, strategies, and expectations, including expectations around changing economic markets and statements regarding the Merger of Southern States with the Company and expectations with regard to the benefits of the Merger. These statements can generally be identified by the use of the words and phrases "may," "will," "should," "could," "would," "goal," "plan," "potential," "estimate," "project," "believe," "intend," "anticipate," "expect," "target," "aim," "predict," "continue," "seek," and other variations of such words and phrases and similar expressions.

These forward-looking statements are not historical facts, and are based upon management's current expectations, estimates, and projections, many of which, by their nature, are inherently uncertain and beyond the Company's control. The inclusion of these forward-looking statements should not be regarded as a representation by the Company or any other person that such expectations, estimates, and projections will be achieved. Accordingly, the Company cautions securityholders and investors that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict. Actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements including, without limitation: current and future economic conditions, including the effects of inflation, interest rate fluctuations, changes in the economy or global supply chain, supply-demand imbalances affecting local real estate prices, and high unemployment rates in the local or regional economies in which the Company operates and/or the US economy generally;

· changes or the lack of changes in government interest rate policies and the associated impact on the Company's
business, net interest margin, and mortgage operations;

· increased competition for deposits;

· changes in the quality or composition of the Company's loan or investment portfolios, including
adverse developments in borrower industries or in the repayment ability of individual borrowers or issuers of investment securities, or
the impact of interest rates on the value of our investment securities portfolio;

· any deterioration in commercial real estate market fundamentals;

· risks associated with the Merger, including (a) the risk that the cost savings and any revenue synergies
from the Merger are less than or different from expectations, (b) disruption from the Merger with customer, supplier, or employee relationships,
(c) the possibility that the costs, fees, expenses and charges related to the Merger may be greater than anticipated, including as a result
of unexpected or unknown factors, events, or liabilities, (d) the risks related to the integration of the combined businesses, including
the risk that the integration will be materially delayed or will be more costly or difficult than expected, (e) the diversion of management
time on merger-related issues, (f) the ability of the Company to effectively manage the larger and more complex operations of the combined
company following the Merger, (g) the risk of expansion into new geographic or product markets, (h) reputational risk and the reaction
of the parties' customers to the Merger, (i) the Company's ability to successfully execute its various business strategies,
including its ability to execute on potential acquisition opportunities, and (j) the risk of potential litigation or regulatory action
related to the Merger;

· the Company's ability to identify potential candidates for, consummate, and achieve synergies from,
other potential future acquisitions;

· the Company's ability to manage any unexpected outflows of uninsured deposits and avoid selling
investment securities or other assets at an unfavorable time or at a loss;

· the Company's ability to successfully execute its various business strategies;

· changes in state and federal legislation, regulations or policies applicable to banks and other financial
service providers, including legislative developments;

· the effectiveness of the Company's controls and procedures to detect, prevent, mitigate and otherwise
manage the risk of fraud or misconduct by internal or external parties, including attempted physical-security and cybersecurity attacks,
denial-of-service attacks, hacking, phishing, social-engineering attacks, malware intrusion, data-corruption attempts, system breaches,
identity theft, ransomware attacks, environmental conditions, and intentional acts of destruction;

· the Company's dependence on information technology systems of third party service providers and
the risk of systems failures, interruptions, or breaches of security;

· the impact, extent and timing of technological changes;

· concentrations of credit or deposit exposure;

· the impact of natural disasters, pandemics, acts of war or terrorism, or other catastrophic events;

· events giving rise to international or regional political instability, including the broader impacts of
such events on financial markets and/or global macroeconomic environments;

· general competitive, economic, political, and market conditions; and

· other factors and risks described under the "Risk Factors" section of this prospectus supplement
and the accompanying prospectus and in Part II, Item 1A of our most recently filed Annual Report on Form 10-K under the caption "Risk
Factors."

The foregoing factors should not be construed as exhaustive and should be read in conjunction with the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" included in our most recently filed Annual Report on Form 10-K and our other periodic filings, including quarterly reports on Form 10-Q and current reports on Form 8-K. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from our forward-looking statements. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date of this prospectus supplement, and the Company undertakes no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law. New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. The Company qualifies all forward-looking statements by these cautionary statements.

**USE OF PROCEEDS**

We are not selling any of the shares described in this prospectus supplement, and, accordingly, will not receive any proceeds from the sale of any of the shares by the selling shareholder. The selling shareholder will receive all of the proceeds from the sale of the shares.

**DIVIDEND POLICY**

On July 25, 2025, we announced the payment of a quarterly cash dividend of $0.19 per share of our common stock, and, on August 26, 2025, we paid a cash dividend to shareholders of record as of August 12, 2025.

Any future determinations relating to our dividend policy will be made by our board of directors and will depend upon a number of factors, including general and economic conditions, industry standards, our financial condition and operating results, our available cash and current and anticipated cash needs, capital requirements, banking regulations, contractual, legal, tax and regulatory restrictions and implications on the payment of dividends by us to our shareholders or by the Bank to us, and such other factors as our board of directors may deem relevant.

**Restrictions on Dividends**

As a bank holding company, any dividends paid by us are subject to various federal and state regulatory limitations and also may be subject to the ability of the Bank to make distributions or pay dividends to us. The Bank is also subject to various legal, regulatory and other restrictions on its ability to pay dividends and make other distributions and payments to us. Our ability to pay dividends is limited by minimum capital and other requirements prescribed by law and regulation. Furthermore, we are generally prohibited under Tennessee corporate law from making a distribution to a shareholder to the extent that, at the time of the distribution, after giving effect to the distribution, we would not be able to pay our debts as they become due in the usual course of business or our total assets would be less than the sum of its total liabilities plus (unless the charter permits otherwise) the amount that would be needed, if we were to be dissolved at the time of the distribution, to satisfy the preferential rights upon dissolution of any shareholders who may have preferential rights superior to those receiving the distribution. In addition, financing arrangements that we may enter into in the future may include restrictive covenants that may limit our ability to pay dividends. For additional information regarding restrictions on our and the Bank's ability to pay dividends, See "Item 1-Business-Supervision and regulation-Holding company regulation-Restrictions on bank holding company dividends" and "Item 1—Business—Supervision and Regulation—Bank Regulation—Bank Dividends" included in our most recent Annual Report on Form 10-K, which is incorporated into this prospectus supplement by reference.

**SELLING SHAREHOLDER**

When we refer to the "selling shareholder" in this prospectus supplement, we mean the Estate of Mr. James W. Ayers.

In connection with our initial public offering, we entered into a registration rights agreement with Mr. James W. Ayers (the "Registration Rights Agreement") covering all of his shares of our common stock. Pursuant to the Registration Rights Agreement, we provided Mr. James W. Ayers and certain of his permitted transferees, which include the selling shareholder, with certain demand and piggyback registration rights in respect of any registrable shares of our common stock he holds or they hold. Pursuant to the Registration Rights Agreement, we are filing this prospectus supplement to register the sale of the shares being offered hereby.

The following table sets forth information with respect to the current beneficial ownership of the selling shareholder, the number of shares of common stock being offered by the selling shareholder pursuant to this prospectus supplement and information with respect to shares to be beneficially owned by the selling shareholder after the completion of this offering. The information included in the following table as to the selling shareholder has been furnished to us by or on behalf of the selling shareholder for inclusion in this prospectus supplement. Beneficial ownership of the shares has been and will be determined in accordance with the rules of the SEC. Under the rules of the SEC, beneficial ownership includes shares over which the indicated beneficial owner exercises voting or investment power.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Selling Shareholder** | **Shares of common stock**<br> **beneficially owned before offering** | **Shares of common stock**<br> **beneficially owned before offering** | | **Shares of common stock to be**<br> **beneficially owned after offering** | **Shares of common stock to be**<br> **beneficially owned after offering** |
| **Selling Shareholder** | **Number** | **Percent(1)** | **Shares of common stock offered in offering** | **Number** | **Percent(1)** |
| Estate of James W. Ayers(2) | 10931841 | 20.4% | 2162052 | 8769789 | 16.4% |

---

(1) The ownership percentage for the
selling shareholder is calculated based on an aggregate of 53,462,482 shares of our common stock issued and outstanding as of November
12, 2025. Such issued and outstanding shares include the shares offered by the selling shareholder pursuant to this prospectus supplement.
After the offering and the Share Repurchase, the selling shareholder would beneficially own 7,051,841 shares, or 13.6%, of our common
stock that would be issued and oustsanding following the Share Repurchase.

(2) Each of J. Jonathan Ayers, who
is also a member of our board of directors, and James Austin McPherson, solely in his capacity as a co-executor of the Estate of James
W. Ayers, share voting control and dispositive control over these 10,931,841 shares of our common stock. In addition, J. Jonathan Ayers
has sole voting and dispositive control over 19,068 shares of our common stock and James Austin McPherson has sole voting and dispositive
control over 20,084 shares of our common stock.

We are not selling any of the shares described in this prospectus supplement, and, accordingly, will not receive any proceeds from the sale of any of the shares by the selling shareholder. The selling shareholder will receive all of the proceeds from the sale of the shares.

We have agreed to pay, and reimburse the selling shareholder for the payment of, the reasonable fees and disbursements of one counsel selected by the selling shareholder that are incurred in connection with the sale of shares described in this prospectus supplement.

**Material Relationships with Selling Shareholder**

FirstBank leases various office spaces from entities owned by J. Jonathan Ayers and by James W. Ayers, prior to his passing. The aggregate amount paid by the bank for these leases was approximately $411,191 for the year ended December 31, 2024.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J. Jonathan Ayers is a beneficiary of the selling shareholder and has an interest in the repurchase provided in the stock purchase agreement and, pursuant to our policy for related party transactions, is deemed a "related party" and such repurchase, a "related party transaction" requiring prior review and approval by our Audit Committee.

In connection with the Merger, we entered into a voting agreement with J. Jonathan Ayers and Southern States. The voting agreement provided certain assurances by J. Jonathan Ayers and covenants in connection with the consummation of the Merger, including voting in favor of the Merger, voting against actions that would breach covenants made in the Merger agreement and a refrain from transfers (subject to certain limited exceptions) of any shares of the Company or Southern States prior to the consummation of the Merger.

**PLAN OF DISTRIBUTION**

The selling shareholder is offering 2,162,052 shares of common stock at a price of $51.50 per share pursuant to this prospectus supplement, the accompanying base prospectus and a share purchase agreement with the Investors.

On the closing date, the selling shareholder will sell the shares of common stock directly to the Investors, and the selling shareholder will receive proceeds from the sale of the shares being offered hereby in the amount of approximately $111.3 million. We estimate that the expenses of this offering payable by us will be approximately $500,000.

The shares were offered directly to the Investors without a placement agent, underwriter, broker or dealer.

The representations, warranties and covenants contained in the share purchase agreement were made solely for the benefit of the parties thereto. In addition, such representations, warranties and covenants (i) are intended as a way of allocating the risk between the parties and not as statements of fact, and (ii) may apply standards of materiality in a way that is different from what may be viewed as material by stockholders of, or other investors in, our company. Moreover, information concerning the subject matter of the representations and warranties may change after the date of the share purchase agreement, which subsequent information may or may not be fully reflected in public disclosures.

A copy of the share purchase agreement has been filed with the SEC and incorporated by reference into the registration statement of which this prospectus supplement and the accompanying base prospectus form a part.

We anticipate that the closing of the sale of such shares will take place on or about November 17, 2025.

Our common stock is listed on NYSE under the symbol "FBK."

**LEGAL MATTERS**

The validity of the common stock being offered by this prospectus supplement will be passed upon by Alston & Bird LLP, Atlanta, Georgia.

**EXPERTS**

The consolidated financial statements of FB Financial Corporation as of December 31, 2024 and 2023 and for each of the years in the three-year period ended December 31, 2024 incorporated in this Prospectus by reference from the FB Financial Corporation Annual Report on Form 10-K for the year ended December 31, 2024 have been audited by Crowe LLP, an independent registered public accounting firm, as stated in their report thereon, incorporated herein by reference, and have been incorporated in this Prospectus and Registration Statement in reliance upon such report and upon the authority of such firm as experts in accounting and auditing.

The consolidated financial statements of Southern States Bancshares, Inc. as of December 31, 2024 and for the years ended December 31, 2024 incorporated in this Prospectus by reference from FB Financial Corporation's Current Report on Form 8-K filed with the SEC on July 8, 2025 have been audited by Mauldin & Jenkins LLP, an independent registered public accounting firm, as stated in their report thereon, incorporated herein by reference, and have been incorporated in this Prospectus and Registration Statement in reliance upon such report and upon the authority of such firm as experts in accounting and auditing.

**WHERE YOU CAN FIND MORE INFORMATION**

This prospectus supplement constitutes a part of a registration statement on Form S-3 that we filed with the SEC under the Securities Act. As permitted by the rules of the SEC, this prospectus supplement and the accompanying prospectus does not contain all the information set forth in the registration statement and exhibits thereto, and statements included in this prospectus supplement as to the content of any contract or other document referred to are not necessarily complete. For further information, please review the registration statement and the exhibits filed with the registration statement, and the documents that we reference under the caption "Incorporation of Certain Documents by Reference."

We file annual, quarterly and current reports, proxy statements and other information with the SEC under the Exchange Act. Our SEC filings, including the complete registration statement of which this prospectus supplement is a part, are available to the public at the SEC's website at www.sec.gov.

We make available free of charge through our website, which you can find at www.firstbankonline.com under the "Investor Relations" tab, our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Exchange Act, as soon as reasonably practical after we electronically file such material with, or furnish it to, the SEC. The information on our website is not incorporated into or part of this prospectus supplement or the accompanying prospectus.

**INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE**

The SEC allows us to "incorporate by reference" in this prospectus supplement information we file with the SEC in other documents. This means that we can disclose important information to you by referring to another document we have filed with the SEC. The information relating to us contained in this prospectus supplement should be read together with the information in the documents incorporated by reference. Any reports filed by us with the SEC on or after the date of this prospectus supplement will automatically update and, where applicable, supersede any information contained in this prospectus supplement or incorporated by reference in this prospectus supplement.

We incorporate by reference, as of their respective dates of filing, the documents listed below (excluding any portions of such documents that have been "furnished" but not "filed" for purposes of the Exchange Act):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· our Annual Report on Form 10-K for the year ended December 31, 2024, filed with the SEC on [February 25, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000035/fbk-20241231.htm), including the information in our proxy statement on Schedule 14A filed with the SEC on [April 7, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000102/fbk-20250407.htm) that is incorporated by reference in that Annual Report on Form 10-K;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025, June 30, 2025 and September 30, 2025, filed with the SEC on [May 5, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000128/fbk-20250331.htm), [August 4, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000189/fbk-20250630.htm) and [November 7, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000213/fbk-20250930.htm), respectively;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· our Current Reports on Form 8-K filed with the SEC on [March 31, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000069/fbk-20250331.htm), [April 7, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000104/fbk-20250401.htm), [May 27, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000131/fbk-20250522.htm), [June 27, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000169/fbk-20250626.htm), [July 8, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000110465925066404/tm2519906d1_8k.htm), [September 5, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000196/fbk-20250902.htm), [September 15, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000203/fbk-20250915.htm), [September 18, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000205/fbk-20250912.htm), [November 13, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000110465925111367/tm2530978d1_8k.htm) and [November 14, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000110465925111977/tm2531234d1_8k.htm); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· the description of our Common Stock contained in our registration statement on Form 8-A (File No. 001-37875), filed with the SEC on [September 12, 2016](https://www.sec.gov/Archives/edgar/data/1649749/000119312516707524/d235107d8a12b.htm), including any amendment or report filed for the purpose of updating such description; and all documents filed by us with the SEC pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, as amended (other than Current Reports on Form 8-K furnished under Items 2.02 and 7.01 (including any financial statements or exhibits relating thereto furnished pursuant to Item 9.01) of Form 8-K and not specifically incorporated by reference), after the date of this prospectus supplement.

You should read the information relating to us in this prospectus supplement and the accompanying prospectus together with the information in the documents incorporated or deemed to be incorporated by reference herein. Nothing contained herein shall be deemed to incorporate information furnished to, but not filed with, the SEC.

Any statement incorporated by reference in this prospectus supplement from an earlier dated document that is inconsistent with a statement contained in this prospectus supplement or in any other document filed after the date of the earlier dated document, but prior to the date hereof, which also is incorporated by reference in this prospectus supplement, shall be deemed to be modified or superseded for purposes of this prospectus supplement by such statement contained in this prospectus supplement or in any other document filed after the date of the earlier dated document, but prior to the date hereof, which also is incorporated by reference in this prospectus supplement.

Any person, including any beneficial owner, to whom this prospectus supplement is delivered may request copies of any of the documents incorporated by reference in this prospectus supplement, without charge, by written or oral request as directed to FB Financial Corporation, c/o Investor Relations, 1221 Broadway, Suite 1300, Nashville, Tennessee 37203 or by phone at (615) 564-1212 or our website at www.firstbankonline.com under the "Investor Relations" tab or from the SEC through the SEC's Internet website at the address provided under "Where You Can Find More Information." All other information contained on our website is not part of this prospectus supplement. Documents incorporated by reference in this prospectus supplement are available without charge, excluding any exhibits to those documents unless the exhibit is specifically incorporated by reference into those documents.

**PROSPECTUS**

![](tm2531092d1_fblogo01.jpg)

**Common Stock**

**Preferred Stock**

**Debt Securities**

**Depositary Shares**

**Warrants**

**Purchase Contracts**

**Units**

**Rights**

The securities listed above may be offered and sold by us or by selling securityholders to or through one or more underwriters, dealers and agents, or directly to purchasers, on a continuous or delayed basis. We will provide specific terms of each issuance of these securities in supplements to this prospectus. You should read this prospectus and any supplement carefully before you invest in the securities described in the applicable prospectus supplement.

This prospectus may not be used to sell securities unless accompanied by the applicable prospectus supplement. FB Financial Corporation's common stock is traded on the New York Stock Exchange ("NYSE") under the trading symbol "FBK."

**Any securities offered by this prospectus and any accompanying prospectus supplement will be equity securities or unsecured obligations and will not be savings accounts, deposits or other obligations of any banking or non-banking subsidiary of ours and are not insured by the Federal Deposit Insurance Corporation, the bank insurance fund or any other governmental agency or instrumentality.**

**Investing in these securities involves certain risks. You should carefully read and consider the information referred to under the heading "Risk Factors" beginning on page 6 of this prospectus and set forth in the documents incorporated by reference herein before you invest in our securities.**

**Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.**

This prospectus is dated November 13, 2025.

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
|  | **Page** |
| [ABOUT THIS PROSPECTUS](#pros_001) | [1](#pros_001) |
| [CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS](#pros_002) | [2](#pros_002) |
| [THE COMPANY](#pros_003) | [5](#pros_003) |
| [RISK FACTORS](#pros_004) | [6](#pros_004) |
| [USE OF PROCEEDS](#pros_005) | [7](#pros_005) |
| [DESCRIPTION OF CAPITAL STOCK](#pros_006) | [8](#pros_006) |
| [DESCRIPTION OF SENIOR AND SUBORDINATED DEBT SECURITIES](#pros_007) | [16](#pros_007) |
| [DESCRIPTION OF DEPOSITARY SHARES](#pros_008) | [27](#pros_008) |
| [DESCRIPTION OF PURCHASE CONTRACTS](#pros_009) | [31](#pros_009) |
| [DESCRIPTION OF UNITS](#pros_010) | [32](#pros_010) |
| [DESCRIPTION OF WARRANTS](#pros_011) | [33](#pros_011) |
| [DESCRIPTION OF RIGHTS](#pros_012) | [35](#pros_012) |
| [SELLING SHAREHOLDERS](#pros_013) | [37](#pros_013) |
| [PLAN OF DISTRIBUTION](#pros_014) | [38](#pros_014) |
| [LEGAL MATTERS](#pros_015) | [40](#pros_015) |
| [EXPERTS](#pros_016) | [40](#pros_016) |
| [WHERE YOU CAN FIND MORE INFORMATION](#pros_017) | [40](#pros_017) |
| [INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE](#pros_018) | [41](#pros_018) |

---

**ABOUT THIS PROSPECTUS**

Unless otherwise indicated or unless the context requires otherwise, all references in this prospectus to "the Company", "we", "us", "our", or similar references, mean FB Financial Corporation and our subsidiaries, including our banking subsidiary, FirstBank, on a consolidated basis. References to "FirstBank" or the "Bank" mean our wholly owned banking subsidiary, FirstBank.

This prospectus is part of a registration statement we have filed with the Securities and Exchange Commission ("SEC") using a "shelf" registration process. Using this process, we may offer and sell any combination of the securities described in this prospectus in one or more offerings.

This prospectus provides you with a general description of the securities we may offer. Each time this prospectus is used to offer and sell securities, we will provide a prospectus supplement and, if applicable, a pricing supplement that will describe the specific terms of the offering. The prospectus supplement and any pricing supplement may also add to, update or change the information contained in this prospectus. Please carefully read this prospectus, the prospectus supplement and any applicable pricing supplement, in addition to the information contained in the documents we refer to under the heading "Where You Can Find More Information."

**You should rely only on the information incorporated by reference or provided in this prospectus, any prospectus supplement or any pricing supplement. We have not authorized anyone else to provide you with different information. We are not making an offer of these securities in any state where the offer is not permitted. You should not assume that the information in this prospectus, any prospectus supplement or any pricing supplement is accurate as of any date other than the date on the front of the document and that any information we have incorporated by reference is accurate as of any date other than the date of the document incorporated by reference.**

**CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS**

This prospectus, including the information included or incorporated by reference in this prospectus, contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), which are intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements regarding the Company's future plans, results, strategies, and expectations, including expectations around changing economic markets and statements regarding the merger of Southern States Bancshares, Inc. ("Southern States") with the Company (the "Merger") and expectations with regard to the benefits of the Merger. These statements can generally be identified by the use of the words and phrases "may," "will," "should," "could," "would," "goal," "plan," "potential," "estimate," "project," "believe," "intend," "anticipate," "expect," "target," "aim," "predict," "continue," "seek," and other variations of such words and phrases and similar expressions.

These forward-looking statements are not historical facts, and are based upon management's current expectations, estimates, and projections, many of which, by their nature, are inherently uncertain and beyond the Company's control. The inclusion of these forward-looking statements should not be regarded as a representation by the Company or any other person that such expectations, estimates, and projections will be achieved. Accordingly, the Company cautions securityholders and investors that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, and uncertainties that are difficult to predict. Actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements including, without limitation:

· current
 and future economic conditions, including the effects of inflation, interest rate fluctuations,
 changes in the economy or global supply chain, supply-demand imbalances affecting local real
 estate prices, and high unemployment rates in the local or regional economies in which the
 Company operates and/or the US economy generally;

· changes
 or the lack of changes in government interest rate policies and the associated impact on
 the Company's business, net interest margin, and mortgage operations;

· increased
 competition for deposits;

· changes
 in the quality or composition of the Company's loan or investment portfolios, including
 adverse developments in borrower industries or in the repayment ability of individual borrowers
 or issuers of investment securities, or the impact of interest rates on the value of our
 investment securities portfolio;

· any
 deterioration in commercial real estate market fundamentals;

· risks
 associated with the Merger, including (a) the risk that the cost savings and any revenue
 synergies from the Merger are less than or different from expectations, (b) disruption
 from the Merger with customer, supplier, or employee relationships, (c) the possibility
 that the costs, fees, expenses and charges related to the Merger may be greater than anticipated,
 including as a result of unexpected or unknown factors, events, or liabilities, (d) the
 risks related to the integration of the combined businesses, including the risk that the
 integration will be materially delayed or will be more costly or difficult than expected,
 (e) the diversion of management time on merger-related issues, (f) the ability
 of the Company to effectively manage the larger and more complex operations of the combined
 company following the Merger, (g) the risk of expansion into new geographic or product
 markets, (h) reputational risk and the reaction of the parties' customers to the
 Merger, (i) the Company's ability to successfully execute its various business
 strategies, including its ability to execute on potential acquisition opportunities, and
 (j) the risk of potential litigation or regulatory action related to the Merger;

· the
 Company's ability to identify potential candidates for, consummate, and achieve synergies
 from, other potential future acquisitions;

· the
 Company's ability to manage any unexpected outflows of uninsured deposits and avoid
 selling investment securities or other assets at an unfavorable time or at a loss;

· the
 Company's ability to successfully execute its various business strategies;

· changes
 in state and federal legislation, regulations or policies applicable to banks and other financial
 service providers, including legislative developments;

· the
 effectiveness of the Company's controls and procedures to detect, prevent, mitigate
 and otherwise manage the risk of fraud or misconduct by internal or external parties, including
 attempted physical-security and cybersecurity attacks, denial-of-service attacks, hacking,
 phishing, social-engineering attacks, malware intrusion, data-corruption attempts, system
 breaches, identity theft, ransomware attacks, environmental conditions, and intentional acts
 of destruction;

· the
 Company's dependence on information technology systems of third party service providers
 and the risk of systems failures, interruptions, or breaches of security;

· the
 impact, extent and timing of technological changes;

· concentrations
 of credit or deposit exposure;

· the
 impact of natural disasters, pandemics, acts of war or terrorism, or other catastrophic events;

· events
 giving rise to international or regional political instability, including the broader impacts
 of such events on financial markets and/or global macroeconomic environments;

· general
 competitive, economic, political, and market conditions; and

· other
 factors and risks described under the "Risk Factors" section of this prospectus
 and in Part II, Item 1A of our most recently filed Annual Report on Form 10-K
 under the caption "Risk Factors."

The foregoing factors should not be construed as exhaustive and should be read in conjunction with the sections entitled "Risk factors" and "Management's discussion and analysis of financial condition and results of operations" included in our most recently filed Annual Report on Form 10-K and our other periodic filings, including quarterly reports on Form 10-Q and current reports on Form 8-K. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from our forward-looking statements. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date of this prospectus, and the Company undertakes no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law. New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. The Company qualifies all forward-looking statements by these cautionary statements.

**THE COMPANY**

*The following is a brief summary of our business. It does not contain all of the information that may be important to you. Before you decide to purchase any of our securities, you should read carefully this entire prospectus and any accompanying prospectus supplement, along with any other information we refer to in, or incorporate by reference into, this prospectus and accompanying prospectus supplement.*

We are a financial holding company headquartered in Nashville, Tennessee. We operate primarily through our wholly-owned subsidiary bank, FirstBank, and its subsidiaries. As of September 30, 2025, our footprint included 91 full-service branches throughout Tennessee, Alabama, Kentucky and Georgia and provided commercial and consumer banking services to the Asheville, North Carolina market. Additionally, our banking services extend to community markets throughout our footprint. FirstBank also provides retail mortgage banking services utilizing its bank branch network and mortgage banking offices strategically located throughout the southeastern United States.

We operate through two segments, Banking and Mortgage. We generate most of our revenue in our Banking segment from interest on loans and investments, loan-related fees, trust and investment services and deposit-related fees. Our primary source of funding for our loans is customer deposits, however we have other sources of funds including unsecured credit lines, brokered CDs, and other borrowings. We generate most of our revenue in our Mortgage segment from origination fees and gains on sales in the secondary mortgage loan market, as well as from mortgage servicing revenues.

As of September 30, 2025, we had total assets of $16.24 billion, loans held for investment of $12.30 billion, total deposits of $13.81 billion, and total shareholders' equity of $1.98 billion. On July 1, 2025, we completed the Southern States Merger. At the closing, Southern States had total assets of $2.87 billion, loans of $2.32 billion, and deposits of $2.47 billion.

Our principal executive office is located at 1221 Broadway, Suite 1300 Nashville, Tennessee 37203, and our telephone number is (615) 564-1212. Through FirstBank, we maintain an internet website at www.firstbankonline.com. The information contained on or accessible from our website does not constitute a part of this prospectus and is not incorporated by reference herein.

**RISK FACTORS**

Our operations are subject to a number of risks. When considering an investment in any securities offered pursuant to this prospectus and the applicable prospectus supplement, you should carefully read and consider the risk factors included in our most recent annual report on Form 10-K as supplemented by our quarterly reports on Form 10-Q and other reports we file with the SEC, each of which is incorporated herein by reference, and those specific risk factors that may be included in the applicable prospectus supplement, together with all of the other information presented in this prospectus, any prospectus supplement and the documents we incorporate by reference. If any of the events described in those risk factors actually occurs, our business, financial condition or operating results, as well as the market price of our securities, could be materially adversely affected. See "Where You Can Find More Information".

**USE OF PROCEEDS**

We intend to use the net proceeds from the sales of any securities offered by us as set forth in the applicable prospectus supplement. We will not receive any proceeds from the resale of shares of common stock by any of the selling shareholders under this prospectus or any supplement to it.

**DESCRIPTION OF CAPITAL STOCK**

*The following is a description of our capital stock and the material provisions of our amended and restated charter and amended and restated bylaws and other agreements to which we and our shareholders are parties. The following is only a summary and is qualified by applicable law and by the provisions of the amended and restated certificate of incorporation and amended and restated bylaws and other agreements, copies of which are available as set forth under the caption entitled "Where you can find more information."*

**General**

Our authorized capital stock consists of 75,000,000 shares of common stock, par value $1.00 per share, and 7,500,000 shares of preferred stock, no par value.

**Common Stock**

*Common Stock Outstanding*. As of September 30, 2025, there were 53,456,522 shares of common stock outstanding. All outstanding shares of common stock are fully paid and non-assessable, and the shares of common stock to be issued upon completion of this offering will be fully paid and non-assessable.

*Voting Rights*. The holders of common stock are entitled to one vote per share on all matters to be voted upon by the shareholders, and are not entitled to cumulative voting in the election of directors. At any meeting of the shareholders, the holders of a majority of the outstanding stock of the Company then having voting rights, present in person or by proxy, shall constitute a quorum for all purposes. If a quorum exists, action on a matter (other than the election of directors) by a voting group is approved if the votes cast within the voting group favoring the action exceeds the votes cast opposing the action, unless otherwise provided by the charter or bylaws.

*Dividend Rights*. Subject to the rights that may be applicable to any outstanding preferred stock and all other classes of stock at the time outstanding having prior rights as to dividends, the holders of common stock are entitled to receive ratably such dividends, if any, as may be declared from time to time by the board of directors out of funds legally available therefor.

In addition, as a bank holding company, any dividends paid by us are subject to various federal and state regulatory limitations and also may be subject to the ability of the Bank to make distributions or pay dividends to us. The Bank is also subject to various legal, regulatory and other restrictions on its ability to pay dividends and make other distributions and payments to us. Our ability to pay dividends is limited by minimum capital and other requirements prescribed by law and regulation. Furthermore, we are generally prohibited under Tennessee corporate law from making a distribution to a shareholder to the extent that, at the time of the distribution, after giving effect to the distribution, we would not be able to pay our debts as they become due in the usual course of business or our total assets would be less than the sum of its total liabilities plus (unless the charter permits otherwise) the amount that would be needed, if we were to be dissolved at the time of the distribution, to satisfy the preferential rights upon dissolution of any shareholders who may have preferential rights superior to those receiving the distribution. In addition, financing arrangements that we may enter into in the future may include restrictive covenants that may limit our ability to pay dividends.

*Rights upon Liquidation*. In the event of liquidation, dissolution or winding up of the Company, either voluntarily or involuntarily, the holders of common stock are entitled to share ratably in all assets remaining after payment of liabilities, subject to prior distribution rights of preferred stock, if any, then outstanding.

*Other Rights*. The holders of our common stock have no preemptive or conversion rights or other subscription rights. There are no redemption or sinking fund provisions applicable to the common stock. The rights, preferences and privileges of holders of our common stock are subject to, and may be adversely affected by, the rights of holders of our preferred stock.

**Preferred Stock**

*General*

Our board of directors has the authority to issue preferred stock from time to time in one or more series and to establish the number of shares to be included in each such series, and to fix the designation, powers, preferences, and relative rights of the shares of each such series and the qualifications or restrictions thereof. At present, the Company has no shares of preferred stock outstanding.

The issuance of preferred stock may have the effect of delaying, deferring or preventing a change in control of the Company without further action by the shareholders and may adversely affect the voting and other rights of the holders of common stock. The authority of the board of directors with respect to each such series includes, among others:

· the
 number of shares constituting the series;

· general
 or specific voting rights;

· preferential
 liquidation rights;

· preferential
 cumulative or noncumulative dividend rights;

· redemption
 or put rights; and

· conversion
 rights.

We may issue shares of, or rights to purchase shares of, one or more series of our preferred stock that have been designated from time to time, the terms of which might:

· adversely
 affect the voting or other rights evidenced by, or amounts otherwise payable with respect
 to, the common stock or other series of preferred stock;

· discourage
 an unsolicited proposal to acquire us; or

· facilitate
 a particular business combination involving us.

Terms contained in the prospectus supplement.

The applicable prospectus supplement will contain the dividend, voting, conversion, redemption, sinking fund, liquidation and other designations, preferences, qualifications, limitations, restrictions and special or relative rights granted to or imposed upon any series of preferred stock. The applicable prospectus supplement will describe the following terms of a series of preferred stock:

· the
 designation and stated value per share of preferred stock and the number of shares of preferred
 stock offered;

· the
 initial public offering price at which we will issue the preferred stock;

· whether
 the shares will be listed on any securities exchange;

· the
 dividend rate or method of calculation, the payment dates for dividends and the dates from
 which dividends will start to cumulate;

· any
 voting rights;

· any
 conversion rights;

· any
 redemption or sinking fund provisions;

· the
 amount of liquidation preference per share; and

· any
 additional dividend, voting, conversion, redemption, sinking fund, liquidation and other
 rights or restrictions.

The applicable prospectus supplement may also describe some of the U.S. federal income tax consequences of the purchase and ownership of the series of preferred stock.

**Election and Removal of Directors**

Our board of directors will consist of between one and fifteen directors. Directors are elected by a plurality of the votes cast by the shares entitled to vote in the election at a meeting at which a quorum is present. The exact number of directors will be fixed from time to time by resolution of our board of directors. Our bylaws provide that shareholders may remove any director, with cause only, by the affirmative vote of the holders of a majority of the issued and outstanding stock of the Company then having voting rights at a shareholder meeting called for that purpose.

**Advance Notice for Shareholder Proposals or Making Nominations at Meetings**

Our bylaws establish an advance notice procedure for shareholder proposals to be brought before a meeting of our shareholders and for nominations by shareholders of candidates for election as directors at an annual meeting or a special meeting at which directors are to be elected. Subject to any other applicable requirements, only such business may be conducted at a meeting of shareholders as has been brought before the meeting by, or at the direction of, our board of directors or an authorized committee thereof, the Chairman of our board of directors, our Chief Executive Officer, or by a shareholder who has given to our Secretary timely written notice in proper form, of the shareholder's intention to bring that business before the meeting. The presiding officer at such meeting has the authority to make such determinations. Only persons who are selected and recommended by our board of directors, or the committee of our board of directors designated to make nominations, or who are nominated by a shareholder who has given timely written notice, in proper form, to the Secretary prior to a meeting at which directors are to be elected will be eligible for election as directors.

To be timely, notice of nominations or other business to be brought before any meeting must be delivered to our principal executive offices and within the following time periods:

(i) in the case of an annual meeting of shareholders,
 not earlier than the close of business on the 120th day and not later than the close of business
 on the 90th day prior to the first anniversary of the preceding year's annual meeting;
 provided, however, that in the event the date of the annual meeting is more than 30 days
 before or more than 60 days after such anniversary date, notice by the shareholder to be
 timely must be so delivered not earlier than the close of business on the 120th day prior
 to the date of such annual meeting and not later than the close of business on the later
 of the 90th day prior to the date of such annual meeting or, if the first public announcement
 of the date of such annual meeting is less than 100 days prior to the date of such annual
 meeting, the 10th day following the day on which public announcement of the date of such
 meeting is first made by us; and

(ii) in the case of a special meeting of shareholders
 called for the purpose of electing directors, not earlier that the close of business on the
 120th day prior to such special meeting and not later than the close of business on the later
 of the 90th day prior to such special meeting or the 10th day following the date on which
 notice of the date of the special meeting was mailed or public disclosure of the date of
 the special meeting was made, whichever first occurs.

In no event shall any adjournment or postponement of an annual meeting, or the announcement thereof, commence a new time period for the giving of a shareholder's notice as described above.

The notice of any shareholder proposal or nomination for election as director must set forth various information required under the bylaws. The person submitting the notice of nomination and any person acting in concert with such person must provide, among other things, the name and address under which they appear on our books (if they so appear) and the class and number of shares of our capital stock that are beneficially owned by them.

**Amendment of Charter and Bylaws**

Under the Tennessee Business Corporation Act ("TBCA"), our charter generally may not be amended without shareholder approval. Except as provided in the charter and subject to the voting rights, any amendment to our charter submitted for shareholder approval at a shareholders' meeting is generally approved if the number of votes cast in favor of the amendment exceeds the number of votes cast against the amendment. Our charter provides that certain provisions of our charter may only be amended upon the affirmative vote of the holders of at least 80% of our issued and outstanding voting stock.

Our shareholders may amend our bylaws only upon the affirmative vote of the holders of at least 80% of our issued and outstanding voting stock. Additionally, our board of directors may amend our bylaws upon the affirmative vote of a majority of the directors then in office, unless a bylaw provision approved by our shareholders expressly provides that any such bylaw may not be amended or repealed by our board of directors or unless the TBCA or our charter provides otherwise.

**Ownership Limitation**

The Company is a bank holding company. A holder of common stock (or group of holders acting in concert) that (i) directly or indirectly owns, controls or has the power to vote more than 5% of the total voting power of the Company, (ii) directly or indirectly owns, controls or has the power to vote 10% or more of any class of voting securities of the Company, if certain presumptions are not rebutted, (iii) directly or indirectly owns, controls or has the power to vote 25% or more of any class of voting securities, (iv) owns a combination of voting and non-voting securities representing one-third or more of the total equity of the Company, or (vi) is otherwise deemed to "control" the Company under applicable regulatory standards may be subject to important restrictions, such as prior regulatory notice or approval requirements and applicable provisions of the FDIC Policy Statement.

**Special Meetings**

Under our bylaws, only the Chairman of our board of directors, our Chief Executive Officer, or a majority of directors then in office may call special meetings of the shareholders. Our shareholders are not permitted to call special meetings of the shareholders.

**Limitation of Liability of Directors and Officers**

The Tennessee Business Corporation Act (the "TBCA") provides that a corporation may indemnify any of its directors and officers against liability incurred in connection with a proceeding if: (a) such person acted in good faith; (b) in the case of conduct in an official capacity with the corporation, he reasonably believed such conduct was in the corporation's best interests; (c) in all other cases, he reasonably believed that his conduct was at least not opposed to the best interests of the corporation; and (d) in connection with any criminal proceeding, such person had no reasonable cause to believe his conduct was unlawful. In actions brought by or in the right of the corporation, however, the TBCA provides that no indemnification may be made if the director or officer was adjudged to be liable to the corporation. The TBCA also provides that in connection with any proceeding charging improper personal benefit to an officer or director, no indemnification may be made if such officer or director is adjudged liable on the basis that such personal benefit was improperly received. In cases where the director or officer is wholly successful, on the merits or otherwise, in the defense of any proceeding instigated because of his or her status as a director or officer of a corporation, the TBCA mandates that the corporation indemnify the director or officer against reasonable expenses incurred in the proceeding. The TBCA provides that a court of competent jurisdiction, unless the corporation's charter provides otherwise, upon application, may order that an officer or director be indemnified for reasonable expenses if, in consideration of all relevant circumstances, the court determines that such individual is fairly and reasonably entitled to indemnification, notwithstanding the fact that (a) such officer or director was adjudged liable to the corporation in a proceeding by or in the right of the corporation; (b) such officer or director was adjudged liable on the basis that personal benefit was improperly received by him; or (c) such officer or director breached his duty of care to the corporation. Our charter provides that the Company shall, to the fullest extent permitted by the TBCA, indemnify its directors and officers, and may indemnify all other persons whom it has the power to indemnify under the TBCA. The right of any director or officer of the Company to indemnification conferred in our charter shall also include the right to be paid by the Company the expenses incurred in connection with any such proceeding in advance of its final disposition to the fullest extent authorized by Tennessee law.

**Anti-takeover Effects of Some Provisions**

Some provisions of our charter and bylaws could make more difficult the removal of our incumbent officers and directors. These provisions, as well as our ability to issue preferred stock, are designed to discourage coercive takeover practices and inadequate takeover bids. These provisions are also designed to encourage persons seeking to acquire control of us to first negotiate with our board of directors. We believe that the benefits of increased protection give us the potential ability to negotiate with the proponent of an unfriendly or unsolicited proposal to acquire or restructure us, and that the benefits of this increased protection outweigh the disadvantages of discouraging those proposals, because negotiation of those proposals could result in an improvement of their terms.

Our charter provides that our board of directors may issue "blank check" preferred stock without shareholder approval. Some of the rights and preferences of these shares of preferred stock would be superior to the rights and preferences of shares of our common stock. Accordingly, the issuance of new shares of preferred stock may adversely affect the rights of the holders of shares of our common stock.

**Anti-takeover Provisions in the TBCA**

In addition to certain of the provisions in our charter discussed above, the State of Tennessee has adopted statutes that can have an anti-takeover effect and may delay or prevent a tender offer or takeover attempt that a shareholder might consider in its best interest, including those attempts that might result in a premium over the market price for shares of our common stock.

The Tennessee Control Share Acquisition Act generally provides that, except as stated below, "control shares" will not have any voting rights. Control shares are shares acquired by a person under certain circumstances which, when added to their shares owned, would give such person effective control over one-fifth or more, or a majority of all voting power (to the extent such acquired shares cause such a person to exceed one-fifth or one-third of all voting power) in the election of a Tennessee corporation's directors. However, voting rights will be restored to control shares by resolutions approved by the affirmative vote of the holders of a majority of the corporation's voting stock, other than shares held by the owner of the control shares. If voting rights are granted to control shares which give the holder a majority of all voting power in the election of the corporation's directors, then the corporation's other shareholders may require the corporation to redeem their shares at fair value.

The Tennessee Control Share Acquisition Act is not applicable to us because our charter does not contain a specific provision "opting in" to the act, as is required.

The Tennessee Investor Protection Act provides that unless a Tennessee corporation's board of directors has recommended a takeover offer to shareholders, no offeror beneficially owning 5% or more of any class of equity securities of the offeree company, any of which was purchased within the preceding year, may make a takeover offer for any class of equity security of the offeree company if after completion the offeror would be a beneficial owner of more than 10% of any class of outstanding equity securities of the company unless the offeror, before making such purchase: (1) makes a public announcement of his or her intention with respect to changing or influencing the management or control of the offeree company; (2) makes a full, fair and effective disclosure of such intention to the person from whom he or she intends to acquire such securities; and (3) files with the Tennessee Commissioner of Commerce and Insurance, or Commissioner, and the offeree company a statement signifying such intentions and containing such additional information as may be prescribed by the Commissioner.

The offeror must provide that any equity securities of an offeree company deposited or tendered pursuant to a takeover offer may be withdrawn by an offeree at any time within seven days from the date the offer has become effective following filing with the Commissioner and the offeree company and public announcement of the terms or after 60 days from the date the offer has become effective. If the takeover offer is for less than all the outstanding equity securities of any class, such an offer must also provide for acceptance of securities pro rata if the number of securities tendered is greater than the number the offeror has offered to accept and pay for. If such an offeror varies the terms of the takeover offer before its expiration date by increasing the consideration offered to offerees, the offeror must pay the increased consideration for all equity securities accepted, whether accepted before or after the variation in the terms of the offer.

The Tennessee Investor Protection Act does not apply to us, as it does not apply to bank holding companies subject to regulation by a federal agency and does not apply to any offer involving a vote by holders of equity securities of the offeree company.

The Tennessee Business Combination Act generally prohibits a "business combination" by a company or any of our subsidiaries with an "interested shareholder" within five years after the shareholder becomes an interested shareholder. The company or any of its subsidiaries can, however, enter into a business combination within that period if, before the interested shareholder became such, the company's board of directors approved the business combination or the transaction in which the interested shareholder became an interested shareholder. After that five-year moratorium, the business combination with the interested shareholder can be consummated only if it satisfies certain fair price criteria or is approved by two-thirds of the other shareholders.

For purposes of these provisions of the Tennessee Business Combination Act, a "business combination" includes mergers, share exchanges, sales and leases of assets, issuances of securities, and similar transactions. An "interested shareholder" is generally any person or entity that beneficially owns 10% or more of the voting power of any outstanding class or series of our stock.

The Tennessee Greenmail Act applies to a Tennessee corporation that has a class of voting stock registered or traded on a national securities exchange or registered with the SEC pursuant to Section 12(g) of the Exchange Act. Under the Tennessee Greenmail Act, a company may not purchase any of its shares at a price above the market value of such shares from any person who holds more than 3% of the class of securities to be purchased if such person has held such shares for less than two years, unless the purchase has been approved by the affirmative vote of a majority of the outstanding shares of each class of voting stock issued by the company or the company makes an offer, or at least equal value per share, to all shareholders of such class.

**Listing and Trading Market for Common Stock**

Our common stock is listed on the NYSE under the symbol FBK.

**Transfer Agent and Registrar**

The transfer agent and registrar for the common stock is Computershare Trust Company, N.A.

**DESCRIPTION OF SENIOR AND SUBORDINATED DEBT SECURITIES**

We may offer from time to time debt securities in the form of either senior debt securities or subordinated debt securities. Unless otherwise specified in a prospectus supplement, the debt securities will be our direct, unsecured obligations and will rank equally with all of our other unsecured and unsubordinated indebtedness. We will issue debt securities under one or more separate indentures between us and a trustee to be identified in the applicable prospectus supplement.

The following summary of the general terms and provisions of the indenture is not complete (the text below refers to both indentures as the form of "indenture"). Forms of indentures for senior indebtedness and subordinated indebtedness are included as exhibits to the registration statement of which this prospectus forms a part. The indentures are substantially identical except as described below under "Subordinated Debt Securities" in this section. You should read the indentures for provisions that may be important to you.

When we offer to sell a particular series of debt securities, the prospectus supplement will describe the specific terms of the series, and it will also address whether the general terms and provisions described below apply to the particular series of debt securities. Capitalized terms used in the summary have the meanings specified in the forms of indenture.

**General**

As provided in a supplemental indenture, officers' certificate or board resolution, the particular terms of each series of debt securities will be adopted pursuant to authority granted by our board of directors, which will be described in a prospectus supplement relating to such series. We can issue an unlimited amount of debt securities under the indenture, in one or more series with the same or various maturities, at par, at a premium or at a discount. Among other things, the prospectus supplement relating to a series of debt securities being offered will address the following terms of the debt securities:

· the
 title of the debt securities;

· the
 price(s), expressed as a percentage of the principal amount, at which we will sell the debt
 securities;

· whether
 the debt securities will be senior or subordinated, and, if subordinated, any such provisions
 that are different from those described below under "Subordinated Debt Securities;"

· any
 limit on the aggregate principal amount of the debt securities;

· the
 date(s) when principal payments are due on the debt securities;

· the
 interest rate(s) on the debt securities, which may be fixed or variable, per annum or
 otherwise, and the method used to determine the rate(s), the dates on which interest will
 begin to accrue and be payable, and any regular record date for the interest payable on any
 interest payment date;

· the
 place(s) where principal of, premium and interest on the debt securities will be payable,
 if by wire transfer, mail or other means, where the debt securities may be surrendered for
 registration or exchange and where notices and demands in respect of the debt securities
 may be served;

· provisions
 governing redemption of the debt securities, including any redemption or purchase requirements
 pursuant to any sinking fund or analogous provisions or at the option of a holder of debt
 securities, and the redemption price and other detailed terms and provisions of such repurchase
 obligations;

· the
 denominations in which the debt securities will be issued, if other than minimum denominations
 of $1,000 and any integral multiple of $1,000 in excess thereof;

· whether
 the debt securities will be issued in the form of certificated debt securities or global
 debt securities;

· the
 portion of the principal of the debt securities payable upon declaration of acceleration
 of the maturity date, if other than the entire principal amount;

· any
 additional or modified events of default from those described in this prospectus or in the
 indenture and any change in the acceleration provisions described in this prospectus or in
 the indenture;

· any
 additional or modified covenants from those described in this prospectus or in the indenture
 with respect to the debt securities;

· any
 depositaries, interest rate calculation agents, exchange rate calculation agents or other
 agents with respect to the debt securities; and

· any
 other specific terms of such debt securities.

In addition, we may issue convertible debt securities. Any conversion provisions of a particular series of debt securities will be set forth in the officers' certificate, board resolution or supplemental indenture related to that series of debt securities and will be described in the relevant prospectus supplement. To the extent applicable, conversion may be mandatory, at the option of the holder or at our option, in which case the number of shares of common or preferred stock to be received upon conversion would be calculated as of a time and in the manner stated in the prospectus supplement.

The applicable prospectus supplement will provide an overview of the U.S. federal income tax considerations and other special considerations applicable to any debt securities we offer for sale.

**Transfer and Exchange**

As described in the applicable prospectus supplement, each debt security will be represented by either a certificate issued in definitive registered form (we will refer to any debt security represented by a certificated security as a "certificated debt security") or one or more global securities registered in the name of a depositary, or its nominee (we will refer to any debt security represented by a global debt security as a "book-entry debt security"), in the aggregate principal amount of the series of debt securities. Except as described below under the heading "Global Debt Securities and Book-Entry System," beneficial owners of book-entry debt securities will not be entitled to have securities registered in their names or to receive physical delivery of a certificate in definitive form.

*Certificated Debt Securities*

You can transfer certificated debt securities (and the right to receive the principal of, premium and interest thereon) only by surrendering the certificate representing those certificated debt securities. Either we or the trustee will reissue the existing certificate, or issue a new certificate, to the new holder.

You may transfer or exchange certificated debt securities at any office we maintain for this purpose in accordance with the terms of the indenture. There is no service charge, but we may require payment of a sum sufficient to cover any taxes or other governmental charges payable in connection with a transfer or exchange.

*Global Debt Securities and Book-Entry System*

Each global debt security representing book-entry debt securities will be deposited with, or on behalf of, The Depository Trust Company (which we refer to below as "DTC" or the "depositary"), as the depositary, and registered in its (or its nominee's) name. DTC is a limited-purpose trust company and a "banking organization" organized under New York law, a member of the Federal Reserve System, a "clearing corporation" within in the meaning of the New York Uniform Commercial Code and a "clearing agency" registered pursuant to Section 17A of the Exchange Act. We understand that DTC intends to follow the following procedures with respect to book-entry debt securities.

Ownership of beneficial interests in book-entry debt securities will be limited to "participants" or persons that may hold interests through participants (sometimes called "indirect participants"). A participant is a person having an account with the depositary for the related global debt security, typically broker-dealers, banks, trust companies, clearing corporations and certain other organizations. Upon the issuance of a global debt security, the depositary will credit the participants' accounts on its book-entry registration and transfer system with the respective principal amounts of the book-entry debt securities owned by such participants; the depositary will have no knowledge of the underlying beneficial owners of the book-entry debt securities owned by participants. Any dealers, underwriters or agents participating in the distribution of the book-entry debt securities will designate accounts to be credited. Ownership of book-entry debt securities will be shown on, and the transfer of such ownership interests will be effected only through, records maintained by the depositary for the related global debt security (with respect to interests of participants) and on the records of participants (with respect to interests of indirect participants). Some states may legally require certain purchasers to take physical delivery of such securities, which may impair your ability to own, transfer or pledge beneficial interests in book-entry debt securities.

So long as DTC (or its nominee) is the registered owner of a global debt security, DTC or its nominee, as the case may be, will be considered the sole owner or holder of the book-entry debt securities represented by such global debt security for all purposes under the indenture. This means that, except as described below, beneficial owners of book-entry debt securities will not be entitled to have securities registered in their names or to receive physical delivery of a certificate in definitive form nor will such beneficial owners be considered the owners or holders of those securities under the indenture. Accordingly, to exercise any rights of a holder under the indenture each person beneficially owning book-entry debt securities must rely on DTC's procedures for the related global debt security and, if such person is not a participant, on the procedures of the participant through which such person owns its interest. As a beneficial owner of book-entry debt securities, information regarding your holdings will come through the participant, or indirect participant, through which you own such securities.

Notwithstanding the above, under existing industry practice, the depositary may authorize persons on whose behalf it holds a global debt security to exercise certain of a holder's rights. For purposes of obtaining any consents or directions required to be given by holders of the debt securities under the indenture, we, the trustee and our respective agents will treat DTC as the holder of a debt security and/or any persons specified in a written statement of the depositary with respect to that global debt security.

All payments of principal of, and premium and interest on, book-entry debt securities will be paid to DTC (or its nominee) as the registered holder of the related global debt security, and any redemption notices will be sent directly to DTC. Neither we, the trustee nor any other agent of ours or agent of the trustee will have any responsibility or liability for any aspect of the records relating to or payments made on account of beneficial ownership interests in a global debt security or for maintaining, supervising or reviewing any records relating to beneficial ownership interests. We expect DTC, upon receipt of any payment of principal of, premium or interest on a global debt security, to immediately credit participants' accounts with payments ratably according to the respective amounts of book-entry debt securities held by each participant. We also expect that payments by participants to owners of beneficial interests in book-entry debt securities held through those participants will be governed by standing customer instructions and customary practices, similar to those for securities held in "street name."

We will issue certificated debt securities in exchange for beneficial interests in each global debt security if the depositary at any time cannot or will not continue as depositary or ceases to be a clearing agency registered under the Exchange Act, and we fail to appoint a successor depositary registered as a clearing agency under the Exchange Act within 90 days. In addition, we may at any time and in our sole discretion decide not to have the book-entry debt securities of a series represented by global debt securities; in that event, we will issue certificated debt securities in exchange for the global debt securities of that series. If an event of default with respect to the book-entry debt securities represented by those global debt securities has occurred and is continuing, holders may exchange global debt securities for certificated debt securities.

We have obtained the foregoing information concerning DTC and its book-entry system from sources we believe to be reliable, but we take no responsibility for the accuracy of this information.

**No Protection in the Event of a Change of Control**

Unless we state otherwise in the applicable prospectus supplement, the debt securities will not contain any provisions affording holders of the debt securities protection, such as prior consent or acceleration rights, in the event we agree to a change in control or a highly leveraged transaction (whether or not such transaction results in a change in control), which could adversely affect holders of debt securities.

**Covenants**

The applicable prospectus supplement will describe any covenants applicable to any debt securities we offer for sale.

**Consolidation, Merger and Sale of Assets**

We may not consolidate or merge with, or sell or lease all or substantially all of our properties and assets to, any person, which we refer to as a "successor," unless:

· we
 are the surviving corporation or the successor (if not us) is a corporation organized and
 existing under the laws of any U.S. domestic jurisdiction and expressly assumes our obligations
 on the debt securities and under the indenture;

· immediately
 after giving effect to the transaction, no event of default, and no event which after the
 giving of notice or lapse of time or both, would become an event of default, shall have occurred
 and be continuing under the indenture; and

· certain
 other conditions are met.

**Events of Default**

For any series of debt securities, in addition to any event of default described in the prospectus supplement applicable to that series, an event of default will include the following events unless in the establishing board resolution, supplemental indenture or officers' certificate, it is provided that such series of debt securities shall not have the benefit of said event of default:

· default
 in the payment when due of any interest on any debt security of that series, and continuance
 of such default for a period of 30 days (unless we deposit the entire amount of such payment
 with the trustee or with a paying agent prior to the expiration of such 30-day period);

· default
 in the payment when due of principal of any debt security of that series;

· default
 in the deposit when due of any sinking fund payment in respect of any debt security of that
 series;

· default
 in the performance or breach of any other covenant or warranty in the indenture that applies
 to such series, which default continues (without such default or breach having been waived
 in accordance with the provisions of the indenture) for a period of 90 days after we have
 received written notice of the failure to perform in the manner specified in the indenture;
 and

· certain
 events of bankruptcy, insolvency or reorganization involving us.

The applicable prospectus supplement will explain whether or not an event of default with respect to one series of debt securities will constitute a cross-default with respect to any other series of debt securities (except that certain events of bankruptcy, insolvency or reorganization will always constitute cross-defaults).

If an event of default with respect to any outstanding debt securities occurs and is continuing, then the trustee or the holders of 25% in aggregate principal amount of the outstanding debt securities of that series may, by written notice to us (and to the trustee if given by the holders), accelerate the payment of the principal (or, if the debt securities of that series are discount securities, that portion of the principal amount as may be specified in the terms of that series) of and accrued and unpaid interest, if any, on all debt securities of that series. Such acceleration is automatic (without any notice required) in the case of an event of default resulting from certain events of bankruptcy, insolvency or reorganization. Following acceleration, payments on our subordinated debt securities, if any, will be subject to the subordination provisions described below under "Subordinated Debt Securities." At any time after acceleration with respect to debt securities of any series, but before the trustee has obtained a court judgment or decree for payment of the amounts due, the holders of a majority in principal amount of the outstanding debt securities of that series may rescind and annul the acceleration if all events of default, other than the non-payment of accelerated principal and interest, if any, with respect to debt securities of that series which have become due solely by such declaration of acceleration, have been cured or waived as provided in the indenture. The prospectus supplement relating to any series of debt securities that are discount securities will contain particular provisions relating to acceleration of a portion of the principal amount of such discount securities upon the occurrence of an event of default.

Each indenture provides that the trustee will be under no obligation to exercise any rights or powers under the indenture at the request of any holder of outstanding debt securities unless the trustee is indemnified against any loss, liability or expense. Subject to certain rights of the trustee, the holders of a majority in principal amount of the outstanding debt securities of any series will have the right to direct the time, method and place of conducting any proceeding for any remedy available to the trustee or exercising any trust or power conferred on the trustee with respect to the debt securities of that series.

No holder of any debt security may institute any proceeding, judicial or otherwise, with respect to the indenture or for the appointment of a receiver or trustee, or for any remedy under the indenture, unless:

· that
 holder has previously given to the trustee written notice of a continuing event of default
 with respect to debt securities of that series;

· the
 holders of not less than 25.0% in principal amount of the outstanding debt securities of
 that series have requested the trustee in writing (and offered indemnity of security satisfactory
 to the trustee) to institute the proceeding (and have not subsequently given contrary instructions),
 and the trustee has failed to institute the proceeding within 60 days; and

· certain
 other conditions are met.

Notwithstanding the foregoing, the holder of any debt security will have an absolute and unconditional right to receive payment of the principal of, premium and any interest on that debt security on or after the due dates expressed in that debt security and to institute suit for the enforcement of payment.

Under the indenture we must furnish the trustee a statement as to compliance with the indenture within 120 days after the end of our fiscal year. The indenture provides that, other than with respect to payment defaults, the trustee may withhold notice to the holders of debt securities of any series of a default or event of default if it in good faith determines that withholding notice is in the interests of the holders of those debt securities.

**Modification and Waiver**

We may amend or supplement the indenture or a series of debt securities if the holders of at least a majority in principal amount of the outstanding debt securities of each series affected by the modifications or amendments consent thereto. We may not make any amendment or waiver without the consent of the specific holder of an affected debt security then outstanding if that amendment or waiver will:

· reduce
 the amount of debt securities whose holders must consent to an amendment, supplement or waiver;

· reduce
 the rate of, or extend the time for payment of, interest (including default interest) on
 any debt security;

· reduce
 the principal or change the stated maturity of any debt security or reduce the amount of,
 or postpone the date fixed for, the payment of any sinking fund or analogous obligation;

· reduce
 the principal amount of discount securities payable upon acceleration of maturity;

· waive
 a default or event of default in the payment of the principal of or interest, if any, on
 any debt security (except a rescission of acceleration by the holders of at least a majority
 in aggregate principal amount of the then outstanding debt securities of that series and
 a waiver of the payment default that resulted from such acceleration);

· make
 the principal of or interest, if any, on any debt security payable in any currency other
 than that stated in the debt security;

· make
 any change to certain provisions of the indenture relating to, among other things, holders'
 rights to receive payment of the principal of, premium and interest on those debt securities
 and to institute suit for the enforcement of any such payment and to waivers or amendments;
 or

· waive
 a redemption payment with respect to any debt security.

Except for certain specified provisions, the holders of at least a majority in principal amount of the outstanding debt securities of any series may on behalf of all holders waive our compliance with provisions of the indenture. In certain circumstances, the indenture can be amended without the consent of the holders. The holders of a majority in principal amount of the outstanding debt securities of any series may on behalf of all holders waive any past default under the indenture with respect to that series and its consequences, except a payment default or a default of a covenant or provision which cannot be modified or amended without the consent of the holder of each outstanding debt security of the series affected; provided, however, that the holders of a majority in principal amount of the outstanding debt securities of any series may rescind an acceleration and its consequences, including any related payment default that resulted from such acceleration.

**Defeasance of Debt Securities and Certain Covenants in Certain Circumstances**

*Legal Defeasance*

We may deposit with the trustee, in trust, cash or U.S. government securities in an amount that, which through the payment of interest and principal in accordance with their terms, will provide, not later than one day before the due date of any payment of money, an amount in cash, which is sufficient to make all payments of principal and interest on, and any mandatory sinking fund payments in respect of, the debt securities of that series on the due dates for such payments in accordance with the terms of the indenture and those debt securities. If we make such a deposit, unless otherwise provided under the applicable series of debt securities, we will be discharged from any and all obligations in respect of the debt securities of such series (except for obligations relating to the transfer or exchange of debt securities and the replacement of stolen, lost or mutilated debt securities and relating to maintaining paying agencies and the treatment of funds held by paying agents and certain rights of the trustee and our obligations with respect thereto). However, this discharge may occur only if, among other things, we have delivered to the trustee a legal opinion stating that we have received from, or there has been published by, the U.S. Internal Revenue Service a ruling or, since the date of execution of the indenture, there has been a change in the applicable U.S. federal income tax law, in either case to the effect that, and, based thereon confirming that, the holders of the debt securities of that series will not recognize income, gain or loss for U.S. federal income tax purposes as a result of the deposit, defeasance and discharge and will be subject to U.S. federal income tax on the same amounts and in the same manner and at the same times as would have been the case if the deposit, defeasance and discharge had not occurred.

*Defeasance of Certain Covenants*

Under the indenture (and unless otherwise provided by the terms of the applicable series of debt securities), upon making the deposit and delivering the legal opinion described in "Legal Defeasance" above, we will not need to comply with the covenants described under the heading "Consolidation, Merger and Sale of Assets" and certain other covenants set forth in the indenture, as well as any additional covenants that may be set forth in the applicable prospectus supplement, and any such noncompliance will not constitute a default or an event of default with respect to the debt securities of that series, or covenant defeasance.

*Covenant Defeasance and Events of Default*

If we exercise our option to effect covenant defeasance with respect to any series of debt securities and the debt securities of that series are declared due and payable because of the occurrence of any event of default, the amounts on deposit with the trustee will be sufficient to pay amounts due on the debt securities of that series at the time of their stated maturity but may not be sufficient to pay amounts due on the debt securities of that series at the time of the acceleration resulting from the event of default. We will remain liable for those payments.

**The Trustee**

The indentures limit the right of the trustee, should it become a creditor of us, to obtain payment of claims or secure its claims. The trustee is permitted to engage in certain other transactions. However, if the trustee acquires any conflicting interest (within the meaning of the Trust Indenture Act), and there is a default under the debt securities of any series for which it is trustee, the trustee must eliminate the conflict or resign.

**Subordinated Debt Securities**

The indenture will govern the extent to which payment on any subordinated debt securities will be subordinated to the prior payment in full of all of our senior indebtedness. The subordinated debt securities also are effectively subordinated to all debt and other liabilities, including trade payables and lease obligations, if any, of our subsidiaries.

Upon any distribution of our assets upon any dissolution, winding up, liquidation or reorganization, the payment of principal and interest on subordinated debt securities will be subordinated to the prior payment in full of all senior indebtedness in cash or other payment satisfactory to the holders of such senior indebtedness. If subordinated debt securities are accelerated because of an event of default, the holders of any senior indebtedness would be entitled to payment in full in cash or other payment satisfactory to such holders of all senior indebtedness obligations before the holders of the subordinated debt securities are entitled to receive any payment or distribution. The indenture requires us or the trustee to promptly notify holders of designated senior indebtedness of any acceleration of payment of the subordinated debt securities.

We may not make any payment on the subordinated debt securities, including upon redemption (whether at the holder's or our option) if:

· a
 default in the payment of the principal, premium, if any, interest, rent or other obligations
 in respect of any senior indebtedness occurs and is continuing beyond any applicable grace
 period (called a "payment default"); or

· a
 default (other than a payment default) with respect to designated senior indebtedness occurs
 and is continuing that permits holders of designated senior indebtedness to accelerate its
 maturity, and the trustee receives a notice of such default (called a "payment blockage
 notice") from us or any other person permitted to give such notice under the indenture
 (called a "non-payment default").

We may resume payments and distributions on the subordinated debt securities, in the case of a payment default, upon the date on which such default is cured or waived or ceases to exist; and, in the case of a non-payment default, the earlier of the date on which such nonpayment default is cured or waived and 179 days after the date on which the payment blockage notice is received, if the maturity of the designated senior indebtedness has not been accelerated, unless the indenture otherwise prohibits such payment or distribution at the time of such payment or distribution.

No new payment blockage notice may be given unless and until 365 days have elapsed since the initial effectiveness of the immediately prior payment blockage notice and all scheduled payments, premium, if any, and interest on the debt securities that have come due have been paid in full in cash. A non-payment default existing or continuing on the date of delivery of any payment blockage notice cannot be the basis for any later payment blockage notice.

If the trustee or any holder of the notes receives any payment or distribution of our assets in contravention of the foregoing subordination provisions, then such payment or distribution will be held in trust for the benefit of holders of senior indebtedness or their representatives to the extent necessary to make payment in full in cash or payment satisfactory to the holders of senior indebtedness of all unpaid senior indebtedness as described in the indenture.

In the event of our bankruptcy, dissolution or reorganization, holders of senior indebtedness may receive more, ratably, and holders of the subordinated debt securities may receive less, ratably, than our other creditors (including our trade creditors). This subordination will not prevent the occurrence of any event of default under the indenture.

The indenture does not prohibit us from incurring debt, including senior indebtedness. We may from time to time incur additional debt, including senior indebtedness.

We are obligated to pay reasonable compensation to the trustee, reimburse the trustee for reasonable expenses and to indemnify the trustee against certain losses, liabilities or expenses it incurs in connection with its duties relating to the subordinated debt securities. The trustee's claims for these payments will generally be senior to those of noteholders in respect of all funds collected or held by the trustee and will not be subject to subordination.

**Certain Definitions**

"Indebtedness" means:

(1) all indebtedness, obligations and other liabilities
 (contingent or otherwise) for borrowed money (including our obligations in respect of overdrafts,
 foreign exchange contracts, currency exchange agreements, interest rate protection agreements,
 and any loans or advances from banks, whether or not evidenced by notes or similar instruments)
 or evidenced by bonds, debentures, notes or similar instruments (whether or not the recourse
 of the lender is to the whole of the assets of such person or to only a portion thereof)
 (other than any account payable or other accrued current liability or obligation incurred
 in the ordinary course of business in connection with the obtaining of materials or services);

(2) all reimbursement obligations and other liabilities
 (contingent or otherwise) with respect to letters of credit, bank guarantees or bankers'
 acceptances;

(3) all obligations and liabilities (contingent
 or otherwise) in respect of leases required, in conformity with generally accepted accounting
 principles, to be accounted for as capitalized lease obligations on our balance sheet;

(4) all obligations and other liabilities (contingent
 or otherwise) under any lease or related document (including a purchase agreement) in connection
 with the lease of real property which contractually obligates us to purchase or cause a third
 party to purchase the leased property and thereby guarantee a minimum residual value of the
 leased property to the lessor and the obligations of such person under such lease or related
 document to purchase or to cause a third party to purchase such leased property;

(5) all obligations (contingent or otherwise)
 with respect to an interest rate or other swap, cap or collar agreement or other similar
 instrument or agreement or foreign currency hedge, exchange, purchase or similar instrument
 or agreement;

(6) all direct or indirect guaranties or similar
 agreements in respect of, and obligations or liabilities (contingent or otherwise), to purchase
 or otherwise acquire or otherwise assure a creditor against loss in respect of indebtedness,
 obligations or liabilities of others of the type described in (1) through (5) above;

(7) any indebtedness or other obligations described
 in (1) through (6) above secured by any mortgage, pledge, lien or other encumbrance
 existing on property which we own or hold, regardless of whether the indebtedness or other
 obligation secured thereby shall be assumed by us; and

(8) any and all refinancings, replacements, deferrals,
 renewals, extensions and refundings of, or amendments, modifications or supplements to, any
 indebtedness, obligation or liability of the kind described in clauses (1) through (7) above.

"Senior indebtedness" means the principal, premium, if any, interest, including any interest accruing after bankruptcy, additional amounts, if any, and rent or termination payment on or other amounts due on our current or future indebtedness, whether created, incurred, assumed, guaranteed or in effect guaranteed by us, including any deferrals, renewals, extensions, refundings, amendments, modifications or supplements to the above. Senior indebtedness does not include:

· indebtedness
 that expressly provides that it shall not be senior in right of payment to subordinated debt
 securities or expressly provides that it is on the same basis or junior to subordinated debt
 securities; and

· our
 indebtedness to any of our majority-owned subsidiaries.

**Governing Law**

Unless otherwise set forth in the prospectus supplement applicable to the particular series of debt securities, the indenture and the debt securities will be governed by, and construed in accordance with, the laws of the State of New York.

**DESCRIPTION OF DEPOSITARY SHARES**

The following briefly summarizes the general provisions of the depositary shares representing a fraction of a share of preferred stock of a specific series, or "depositary shares," and depositary receipts (as defined below) that we may issue from time to time and which would be important to holders of depositary receipts. The specific terms of any depositary shares or depositary receipts, including pricing and related terms, will be disclosed in the applicable prospectus supplement. The prospectus supplement will also state whether any of the general provisions summarized below will apply to the depositary shares or depositary receipts being offered. The following description and any description in a prospectus supplement is a summary only and is subject to, and qualified in its entirety by reference to the terms and provisions of the deposit agreement(s), which we will file with the SEC in connection with an issuance of depositary shares.

**Description of Depositary Shares**

We may offer depositary shares evidenced by receipts for such depositary shares, which we sometimes refer to as "depositary receipts." Each depositary receipt represents a fraction of a share of the particular series of preferred stock issued and deposited with a depositary. The fraction of a share of preferred stock which each depositary share represents will be set forth in the applicable prospectus supplement.

We will deposit the shares of any series of preferred stock represented by depositary shares according to the provisions of a deposit agreement to be entered into between us and a bank or trust company, which we will select as our preferred stock depositary, and which may be the same institution that serves as an indenture trustee. The depositary must have its principal office in the United States and have combined capital and surplus of at least $50,000,000. We will name the depositary in the applicable prospectus supplement. Each owner of a depositary share will be entitled to all the rights and preferences of the underlying preferred stock in proportion to the applicable fraction of a share of preferred stock represented by the depositary share. These rights may include dividend, voting, redemption, conversion and liquidation rights. The depositary will send the holders of depositary shares all reports and communications that we deliver to the depositary and which we are required to furnish to the holders of depositary shares. We may issue depositary receipts in temporary, definitive or book-entry form.

**Withdrawal of Preferred Stock**

A holder of depositary shares may receive the number of whole shares of the series of preferred stock and any money or other property represented by the holder's depositary receipts after surrendering the depositary receipts at the corporate trust office of the depositary. Partial shares of preferred stock will not be issued. If the surrendered depositary shares exceed the number of depositary shares that represent the number of whole shares of preferred stock the holder wishes to withdraw, then the depositary will deliver to the holder at the same time a new depositary receipt evidencing the excess number of depositary shares. Once the holder has withdrawn the preferred stock, the holder will not be entitled to re-deposit such preferred stock under the deposit agreement or to receive depositary shares in exchange for such preferred stock.

**Dividends and Other Distributions**

Holders of depositary shares of any series will receive their pro rata share of cash dividends or other cash distributions received by the depositary on the preferred stock of that series held by it. Each holder will receive these distributions in proportion to the number of depositary shares owned by the holder. The depositary will distribute only whole United States dollars and cents. The depositary will add any fractional cents not distributed to the next sum received for distribution to record holders of depositary shares. In the event of a non-cash distribution, the depositary will distribute property to the record holders of depositary shares, unless the depositary determines that it is not feasible to make such a distribution. If this occurs, the depositary, with our approval, may sell the property and distribute the net proceeds from the sale to the holders.

**Redemption of Depositary Shares**

If a series of preferred stock represented by depositary shares is subject to redemption, then we will give the necessary proceeds to the depositary. The depositary will then redeem the depositary shares using the funds they received from us for the preferred stock. The depositary will notify the record holders of the depositary shares to be redeemed not less than 30 days nor more than 60 days before the date fixed for redemption at the holders' addresses appearing in the depositary's books. The redemption price per depositary share will be equal to the redemption price payable per share for the applicable series of the preferred stock and any other amounts per share payable with respect to that series of preferred stock multiplied by the fraction of a share of preferred stock represented by one depositary share. Whenever we redeem shares of a series of preferred stock held by the depositary, the depositary will redeem the depositary shares representing the shares of preferred stock on the same day. If fewer than all the depositary shares of a series are to be redeemed, the depositary shares will be selected by lot, ratably or by such other equitable method as we and the depositary may determine.

Upon and after the redemption of shares of the underlying series of preferred stock, the depositary shares called for redemption will no longer be considered outstanding. Therefore, all rights of holders of the depositary shares will then cease, except that the holders will still be entitled to receive any cash payable upon the redemption and any money or other property to which the holder was entitled at the time of redemption.

**Voting Rights**

Upon receipt of notice of any meeting at which the holders of preferred stock of the related series are entitled to vote, the depositary will notify holders of depositary shares of the upcoming vote and arrange to deliver our voting materials to the holders. The record date for determining holders of depositary shares that are entitled to vote will be the same as the record date for the related series of preferred stock. The materials the holders will receive will (1) describe the matters to be voted on and (2) explain how the holders, on a certain date, may instruct the depositary to vote the shares of preferred stock underlying the depositary shares. For instructions to be valid, the depositary must receive them on or before the date specified. The depositary will attempt, as far as practical, to vote the shares as instructed by the holder. We will cooperate with the depositary to enable it to vote as instructed by holders of depositary shares. If any holder does not instruct the depositary how to vote the holder's shares, the depositary will abstain from voting those shares.

**Conversion or Exchange**

The depositary will convert or exchange all depositary shares on the same day that the preferred stock underlying the depositary shares is converted or exchanged. In order for the depositary to do so, we will deposit with the depositary any other preferred stock, common stock or other securities into which the preferred stock is to be converted or for which it will be exchanged.

The exchange or conversion rate per depositary share will be equal to the exchange or conversion rate per share of preferred stock, multiplied by the fraction of a share of preferred stock represented by one depositary share. All amounts per depositary share payable by us for dividends that have accrued on the preferred stock to the exchange or conversion date that have not yet been paid shall be paid in appropriate amounts on the depositary shares.

The depositary shares, as such, cannot be converted or exchanged into other preferred stock, common stock, securities of another issuer or any other of our securities or property. Nevertheless, if so specified in the applicable prospectus supplement, a holder of depositary shares may be able to surrender the depositary receipts to the depositary with written instructions asking the depositary to instruct us to convert or exchange the preferred stock represented by the depositary shares into other shares of preferred stock or common stock or to exchange the preferred stock for securities of another issuer. If the depositary shares carry this right, upon the payment of applicable fees and taxes, if any, we will cause the conversion or exchange of the preferred stock using the same procedures as we use for the delivery of preferred stock. If a holder is only surrendering part of the depositary shares represented by a depositary receipt for conversion, new depositary receipts will be issued for any depositary shares that are not surrendered.

**Amendment and Termination of the Deposit Agreement**

We may agree with the depositary to amend the deposit agreement and the form of depositary receipt without consent of the holder at any time. However, if the amendment adds or increases fees or charges payable by holders of the depositary shares or prejudices an important right of holders, it will only become effective with the approval of holders of at least a majority of the affected depositary shares then outstanding. If an amendment becomes effective, holders are deemed to agree to the amendment and to be bound by the amended deposit agreement if they continue to hold their depositary receipts.

The deposit agreement will automatically terminate if:

· all
 outstanding depositary shares have been redeemed and all amounts payable upon redemption
 have been paid;

· each
 share of preferred stock held by the depositary has been converted into or exchanged for
 common stock, other preferred stock or other securities; or

· a
 final distribution in respect of the preferred stock held by the depositary has been made
 to the holders of depositary receipts in connection with our liquidation, dissolution or
 winding-up.

We may also terminate the deposit agreement at any time. Upon such event, the depositary will give notice of termination to the holders not less than 30 days before the termination date. Once depositary receipts are surrendered to the depositary, it will send to each holder the number of whole and fractional shares of the series of preferred stock underlying that holder's depositary receipts, provided that, at our election we may pay cash in lieu of fractional shares of preferred stock that may be issuable.

**Charges of Depositary and Expenses**

We will pay all transfer and other taxes and governmental charges in connection with the establishment of the depositary arrangements. We will pay all charges and fees of the depositary for the initial deposit of the preferred stock, the depositary's services and redemption of the preferred stock. Holders of depositary shares will pay transfer and other taxes and governmental charges and the charges that are provided in the deposit agreement to be for the holder's account.

**Limitations on Our Obligations and Liability to Holders of Depositary Receipts**

The deposit agreement may limit our obligations and the obligations of the depositary. It may also limit our liability and the liability of the depositary as follows:

· We
 and the depositary will only be obligated to take the actions specifically set forth in the
 deposit agreement in good faith;

· We
 and the depositary will not be liable if either is prevented or delayed by law or circumstances
 beyond our or its control from performing our or its obligations under the deposit agreement;

· We
 and the depositary will not be liable if either exercises discretion permitted under the
 deposit agreement;

· We
 and the depositary will have no obligation to become involved in any legal or other proceeding
 related to the depositary receipts or the deposit agreement on behalf of the holders of depositary
 receipts or any other party, unless we and the depositary are provided with satisfactory
 indemnity; and

· We
 and the depositary will be permitted to rely upon any written advice of counsel or accountants
 and on any documents we believe in good faith to be genuine and to have been signed or presented
 by the proper party.

In the deposit agreement, we may agree to indemnify the depositary under certain circumstances.

**Resignation and Removal of Depositary**

The depositary may resign at any time by notifying us of its election to do so. In addition, we may remove the depositary at any time. Such resignation or removal will take effect when we appoint a successor depositary and it accepts the appointment. We must appoint the successor depositary within 60 days after delivery of the notice of resignation or removal and the new depositary must be a bank or trust company having its principal office in the United States and having a combined capital and surplus of at least $50,000,000.

**DESCRIPTION OF PURCHASE CONTRACTS**

We also may issue purchase contracts, including contracts obligating holders to purchase from us, and obligating us to sell to holders, a fixed or varying number of debt or equity securities at a future date or dates. The consideration for such securities may be fixed at the time that the purchase contracts are issued or may be determined by reference to a specific formula set forth in the purchase contracts. Any purchase contract may include anti-dilution provisions to adjust the number of shares issuable pursuant to such purchase contract upon the occurrence of certain events.

The purchase contracts may be issued separately or as a part of units consisting of a purchase contract and other securities. These contracts, and the holders' obligations to purchase our securities under the purchase contracts may be secured by cash, certificates of deposit, U.S. government securities that may mature prior to or simultaneously with the maturity of the purchase contract, standby letters of credit from an affiliated U.S. bank that is FDIC-insured or other collateral satisfactory to the Federal Reserve Board. The purchase contracts may require us to make periodic payments to holders of the purchase units, or vice versa, and such payments may be unsecured or prefunded and may be paid on a current or on a deferred basis as set forth in the applicable prospectus supplement.

**DESCRIPTION OF UNITS**

We also may offer two or more of the securities described in this prospectus in the form of a "unit," including pursuant to a unit agreement. The unit may be transferable only as a whole, or the securities comprising a unit may, as described in the applicable prospectus supplement, be separated and transferred by the holder separately. There may or may not be an active market for units or the underlying securities, and not all the securities comprising a unit may be listed or traded on a securities exchange or market.

**DESCRIPTION OF WARRANTS**

**General**

We may issue warrants in one or more series to purchase common stock, preferred stock, senior debt securities, subordinated debt securities, other securities or any combination of these securities. Warrants may be issued independently or together with any underlying securities and may be attached to or separate from the underlying securities. We may issue each series of warrants under a separate warrant agreement to be entered into between us and a warrant agent. If applicable, the warrant agent would act solely as our agent in connection with the warrants of such series and would not assume any obligation or relationship of agency for or on behalf of holders or beneficial owners of warrants. The following outlines some of the general terms and provisions of the warrants. Further terms of the warrants and a description of the applicable warrant agreement will be provided in the applicable prospectus supplement. The following description and any description of the warrants in a prospectus supplement are not complete and are subject to and qualified in their entirety by reference to the terms and provisions of the warrant agreement, which we will file with the SEC in connection with an issuance of any warrants.

The applicable prospectus supplement will describe the terms of any warrants, including the following, as may be applicable:

· the
 title of the warrants;

· the
 total number of warrants to be issued;

· the
 consideration for which we will issue the warrants, including the applicable currency or
 currencies;

· anti-dilution
 provisions to adjust the number of shares of our common stock or other securities to be delivered
 upon exercise of the warrants;

· the
 designation and terms of the underlying securities purchasable upon exercise of the warrants;

· the
 price at which and the currency or currencies in which investors may purchase the underlying
 securities purchasable upon exercise of the warrants;

· the
 dates on which the right to exercise the warrants will commence and expire;

· the
 procedures and conditions relating to the exercise of the warrants;

· whether
 the warrants will be in registered or bearer form;

· information
 with respect to book-entry registration and transfer procedures, if any;

· the
 minimum or maximum amount of warrants which may be exercised at any one time;

· the
 designation and terms of the underlying securities with which the warrants are issued and
 the number of warrants issued with each underlying security;

· the
 date on and after which the warrants and securities issued with the warrants will be separately
 transferable;

· a
 discussion of material United States federal income tax considerations;

· the
 identity of any warrant agent; and

· any
 other terms of the warrants, including terms, procedures and limitations relating to the
 exchange, transfer and exercise of the warrants.

Warrant certificates may be exchanged for new warrant certificates of different denominations, and warrants may be exercised at the warrant agent's corporate trust office or any other office indicated in the applicable prospectus supplement. Prior to the exercise of their warrants, holders of warrants exercisable for debt securities will not have any of the rights of holders of the debt securities purchasable upon such exercise and will not be entitled to payments of principal (or premium, if any) or interest, if any, on the debt securities purchasable upon such exercise. Prior to the exercise of their warrants, holders of warrants exercisable for shares of common stock, preferred stock or depositary shares will not have any rights of holders of the common stock, preferred stock or depositary shares purchasable upon such exercise, including any rights to vote such shares or to receive any distributions or dividends thereon.

**Exercise of Warrants**

A warrant will entitle the holder to purchase for cash an amount of securities at an exercise price that will be stated in, or that will be determinable as described in, the applicable prospectus supplement. Warrants may be exercised at any time prior to the close of business on the expiration date and in accordance with the procedures set forth in the applicable prospectus supplement. Upon and after the close of business on the expiration date, unexercised warrants will be void and have no further force, effect or value.

**Enforceability of Rights; Governing Law**

The holders of warrants, without the consent of the warrant agent, may, on their own behalf and for their own benefit, enforce, and may institute and maintain any suit, action or proceeding against us to enforce their rights to exercise and receive the securities purchasable upon exercise of their warrants. Unless otherwise stated in the applicable prospectus supplement, each issue of warrants and the applicable warrant agreement will be governed by the laws of the State of Tennessee.

**DESCRIPTION OF RIGHTS**

The following briefly summarizes the general provisions of rights to purchase additional shares of our common stock or any series of preferred stock, which we may issue. The specific terms of any rights, including the period during which the rights may be exercised, the manner of exercising such rights, and the transferability of rights, will be disclosed in the applicable prospectus supplement.

**General**

We may distribute rights, which may or may not be transferable, to the holders of our common stock or any series of our preferred stock as of a record date set by our board of directors, at no cost to such holders. Each holder will be given the right to purchase a specified number of whole shares of our common stock or preferred stock for every share of our common stock or share of a series of preferred stock that the holder thereof owned on such record date, as set forth in the applicable prospectus supplement. The rights will be evidenced by rights certificates, which may be in definitive or book-entry form. Each right will entitle the holder to purchase shares of our common stock or a series of preferred stock at a rate and price per share to be established by our board of directors, as set forth in the applicable prospectus supplement. If holders of rights wish to exercise their rights, they must do so before the expiration date of the rights offering, as set forth in the applicable prospectus supplement. Upon the expiration date, the rights will expire and will no longer be exercisable, unless, in our sole discretion prior to the expiration date, we extend the rights offering.

**Exercise Price**

Our board of directors will determine the exercise price or prices for the rights based upon a number of factors, including, without limitation, our business prospects; our capital requirements; the price or prices at which an underwriter or standby purchasers may be willing to purchase shares that remain unsold in the rights offering; and general conditions in the securities markets, especially for securities of financial institutions.

The subscription price may or may not reflect the actual or long-term fair value of the common stock or preferred stock offered in the rights offering. We provide no assurances as to the market values or liquidity of any rights issued, or as to whether or not the market prices of the common stock or preferred stock subject to the rights will be more or less than the rights' exercise price during the term of the rights or after the rights expire.

**Exercising Rights; Fees and Expenses**

The manner of exercising rights will be set forth in the applicable prospectus supplement. Any subscription agent or escrow agent will be set forth in the applicable prospectus supplement. We will pay all fees charged by any subscription agent and escrow agent in connection with the distribution and exercise of rights. Rights holders will be responsible for paying all other commissions, fees, taxes or other expenses incurred in connection with their transfer of rights that are transferable. Neither we nor the subscription agent will pay such expenses.

**Expiration of Rights**

The applicable prospectus supplement will set forth the expiration date and time ("Expiration Date") for exercising rights. If holders of rights do not exercise their rights prior to such time, their rights will expire and will no longer be exercisable and will have no value.

We will extend the Expiration Date as required by applicable law and may, in our sole discretion, extend the Expiration Date. If we elect to extend the Expiration Date, we will issue a press release announcing such extension prior to the scheduled Expiration Date.

**Withdrawal and Termination**

We may withdraw the rights offering at any time prior to the Expiration Date for any reason. We may terminate the rights offering, in whole or in part, at any time before completion of the rights offering if there is any judgment, order, decree, injunction, statute, law or regulation entered, enacted, amended or held to be applicable to the rights offering that in the sole judgment of our board of directors would or might make the rights offering or its completion, whether in whole or in part, illegal or otherwise restrict or prohibit completion of the rights offering. We may waive any of these conditions and choose to proceed with the rights offering even if one or more of these events occur. If we terminate the rights offering, in whole or in part, all affected rights will expire without value, and all subscription payments received by the subscription agent will be returned promptly without interest.

**Rights of Subscribers**

Holders of rights will have no rights as shareholders with respect to the shares of common stock or preferred stock for which the rights may be exercised until they have exercised their rights by payment in full of the exercise price and in the manner provided in the applicable prospectus supplement, and such shares of common stock or preferred stock, as applicable, have been issued to such persons. Holders of rights will have no right to revoke their subscriptions or receive their monies back after they have completed and delivered the materials required to exercise their rights and have paid the exercise price to the subscription agent. All exercises of rights will be final and cannot be revoked by the holder of rights.

**Regulatory Limitations**

We will not be required to issue any person or group of persons shares of our common stock or preferred stock pursuant to the rights offering if, in our sole opinion, such person would be required to give prior notice to or obtain prior approval from, any state or federal governmental authority to own or control such shares if, at the time the rights offering is scheduled to expire, such person has not obtained such clearance or approval in form and substance reasonably satisfactory to us.

**Standby Agreements**

We may enter into one or more separate agreements with one or more standby underwriters or other persons to purchase, for their own account or on our behalf, any shares of our common stock or preferred stock not subscribed for in the rights offering. The terms of any such agreements will be described in the applicable prospectus supplement.

**SELLING SHAREHOLDERS**

We may register shares covered by this prospectus for re-offers and resales by any selling shareholder named in a prospectus supplement. We are a well-known seasoned issuer, as defined in Rule 405 of the Securities Act, which allows us to add secondary sales of shares of our common stock by any selling shareholder by filing a prospectus supplement with the SEC. We may register these shares to permit selling shareholders to resell their shares when they deem appropriate. Selling shareholders may resell all, a portion or none of their shares at any time and from time to time. Selling shareholders may also sell, transfer or otherwise dispose of some or all of their shares of our securities in transactions exempt from the registration requirements of the Securities Act. We do not know when or in what amounts the selling shareholders may offer shares for sale under this prospectus and any prospectus supplement. We will pay all expenses incurred with respect to registration of the shares of common stock owned by the selling shareholders, other than underwriting fees, discounts or commissions, which will be borne by the selling shareholders. We will provide you with a prospectus supplement naming the selling shareholder(s), the amount of securities to be registered and sold and any other terms of the securities being sold by the selling shareholder(s).

**PLAN OF DISTRIBUTION**

We or the selling shareholders may sell the securities in one or more of the following ways (or in any combination) from time to time:

· through
 underwriters or dealers;

· directly
 to a limited number of purchasers or to a single purchaser; or

· through
 agents.

Any selling shareholders will act independently of us in making decisions with respect to the timing, manner and size of each sale of common stock covered by this prospectus.

Each time we or the selling shareholders sell securities, we will provide a prospectus supplement that will state the terms of the offering of the securities, including:

· the
 name or names of any underwriters, dealers or agents;

· the
 purchase price of such securities and the proceeds to be received by us, if any;

· any
 underwriting discounts or agency fees and other items constituting underwriters' or
 agents' compensation;

· any
 initial public offering price;

· any
 discounts or concessions allowed or reallowed or paid to dealers; and

· any
 securities exchanges on which the securities may be listed.

Any initial public offering price and any discounts or concessions allowed or reallowed or paid to dealers may be changed from time to time.

Shares of common stock may also be exchanged for satisfaction of the selling shareholders' obligations or other liabilities to their creditors. Such transactions may or may not involve brokers or dealers.

If we or the selling shareholders, if applicable, use underwriters in the sale, the securities will be acquired by the underwriters for their own account and may be resold from time to time in one or more transactions, including:

· negotiated
 transactions;

· at
 a fixed public offering price or prices, which may be changed;

· at
 market prices prevailing at the time of sale;

· at
 prices related to prevailing market prices; or

· at
 negotiated prices.

Unless otherwise stated in a prospectus supplement, the obligations of the underwriters to purchase any securities will be conditioned on customary closing conditions and the underwriters will be obligated to purchase all of such series of securities, if any are purchased.

We or the selling shareholders may sell the securities directly or through agents from time to time. The selling shareholders might not sell any shares of common stock under this prospectus. In addition, any shares of common stock covered by this prospectus that qualify for sale pursuant to Rule 144 of the Securities Act of 1933, as amended, may be sold under Rule 144 rather than pursuant to this prospectus. The applicable prospectus supplement will name any agent involved in the offer or sale of the securities and any commissions we pay to them. Generally, any agent will be acting on a best efforts basis for the period of its appointment.

Offers to purchase the securities offered by this prospectus may be solicited, and sales of the securities may be made by us or by selling shareholders directly to institutional investors or others, who may be deemed to be underwriters within the meaning of the Securities Act of 1933, as amended, with respect to any resale of the securities. The terms of any offer made in this manner will be included in the prospectus supplement relating to the offer.

We or the selling shareholders may authorize underwriters, dealers or agents to solicit offers by certain purchasers to purchase the securities from us or the selling shareholders at the public offering price set forth in the prospectus supplement pursuant to delayed delivery contracts providing for payment and delivery on a specified date in the future. The contracts will be subject only to those conditions set forth in the prospectus supplement, and the prospectus supplement will set forth any commissions we pay for solicitation of these contracts.

Underwriters and agents may be entitled under agreements entered into with us to indemnification by us against certain civil liabilities, including liabilities under the Securities Act of 1933, as amended, or to contribution with respect to payments which the underwriters or agents may be required to make. Underwriters and agents may be customers of, engage in transactions with, or perform services for us and its affiliates in the ordinary course of business.

Each series of securities will be a new issue of securities and will have no established trading market other than the common stock which is listed on the NYSE. Any underwriters to whom securities are sold for public offering and sale may make a market in the securities, but such underwriters will not be obligated to do so and may discontinue any market making at any time without notice. The securities, other than the common stock, may or may not be listed on a national securities exchange.

**LEGAL MATTERS**

Unless otherwise indicated in the applicable prospectus supplement, the validity of the securities offered hereby will be passed upon for us by Alston & Bird LLP, Atlanta, Georgia. If the validity of the securities offered hereby in connection with offerings made pursuant to this prospectus is being passed upon by counsel of the underwriters, dealers or agents, if any, such counsel will be named in the prospectus supplement relating to such offering.

**EXPERTS**

The consolidated financial statements of FB Financial Corporation as of December 31, 2024 and 2023 and for each of the years in the three-year period ended December 31, 2024 incorporated in this Prospectus by reference from the FB Financial Corporation Annual Report on Form 10-K for the year ended December 31, 2024 have been audited by Crowe LLP, an independent registered public accounting firm, as stated in their report thereon, incorporated herein by reference, and have been incorporated in this Prospectus and Registration Statement in reliance upon such report and upon the authority of such firm as experts in accounting and auditing.

The consolidated financial statements of Southern States Bancshares, Inc. as of December 31, 2024 and for the years ended December 31, 2024 incorporated in this Prospectus by reference from FB Financial Corporation's Current Report on Form 8-K filed with the SEC on July 8, 2025 have been audited by Mauldin & Jenkins LLP, an independent registered public accounting firm, as stated in their report thereon, incorporated herein by reference, and have been incorporated in this Prospectus and Registration Statement in reliance upon such report and upon the authority of such firm as experts in accounting and auditing.

**WHERE YOU CAN FIND MORE INFORMATION**

We are subject to the informational requirements of the Exchange Act, and file with the SEC proxy statements, Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. You may read and copy any document we file at the SEC's public reference room at 100 F Street, NE, Room 1580, Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information on the public reference rooms. Our SEC filings are also available to the public from the SEC's web site at www.sec.gov or on our website at www.firstbankonline.com under the "Investor Relations" tab. Information on, or that can be accessible through, our website does not constitute a part of, and is not incorporated by reference in, this prospectus.

We have filed with the SEC a registration statement on Form S-3 relating to the securities covered by this prospectus and any prospectus supplement. This prospectus is a part of the registration statement and does not contain all the information in the registration statement. Whenever a reference is made in this prospectus or any prospectus supplement to a contract or other document, the reference is only a summary and you should refer to the exhibits that are a part of the registration statement for a copy of the contract or other document. You may review a copy of the registration statement at the SEC's public reference room in Washington, D.C., as well as through the SEC's Internet site.

**INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE**

The SEC allows us to "incorporate by reference" in this prospectus information we file with the SEC in other documents. This means that we can disclose important information to you by referring to another document we have filed with the SEC. The information relating to us contained in this prospectus should be read together with the information in the documents incorporated by reference. Any reports filed by us with the SEC on or after the date of this prospectus will automatically update and, where applicable, supersede any information contained in this prospectus or incorporated by reference in this prospectus.

We incorporate by reference, as of their respective dates of filing, the documents listed below (excluding any portions of such documents that have been "furnished" but not "filed" for purposes of the Exchange Act):

· our
 Annual Report on Form 10-K for the year ended December 31, 2024, filed with the
 SEC on [February 25, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000035/fbk-20241231.htm) , including the information in our
 proxy statement on Schedule 14A filed with the SEC on [April 7, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000102/fbk-20250407.htm) that is incorporated
 by reference in that Annual Report on Form 10-K;

· our
 Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025, June 30,
 2025 and September 30, 2025, filed with the SEC on [May 5, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000128/fbk-20250331.htm) , [August 4, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000189/fbk-20250630.htm) and [November 7, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000213/fbk-20250930.htm) , respectively;

· our
 Current Reports on Form 8-K filed with the SEC on [March 31, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000069/fbk-20250331.htm) , [April 7, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000104/fbk-20250401.htm) , [May 27, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000131/fbk-20250522.htm) , [June 27, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000169/fbk-20250626.htm) , [July 8, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000110465925066404/tm2519906d1_8k.htm) , [September 5, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000196/fbk-20250902.htm) , [September 15, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000203/fbk-20250915.htm) , [September 18, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000164974925000205/fbk-20250912.htm) and [November 13, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/1649749/000110465925111367/tm2530978d1_8k.htm) ; and

· the
 description of our common stock contained in our registration statement on Form 8-A
 (File No. 001-37875), filed with the SEC on [September 12, 2016](https://www.sec.gov/Archives/edgar/data/1649749/000119312516707524/d235107d8a12b.htm) , including any
 amendment or report filed for the purpose of updating such description; and all documents
 filed by us with the SEC pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange
 Act, as amended (other than Current Reports on Form 8-K furnished under Items 2.02 and
 7.01 (including any financial statements or exhibits relating thereto furnished pursuant
 to Item 9.01) of Form 8-K and not specifically incorporated by reference), after the
 date of this prospectus.

You should read the information relating to us in this prospectus and any accompanying prospectus supplement together with the information in the documents incorporated or deemed to be incorporated by reference herein. Nothing contained herein shall be deemed to incorporate information furnished to, but not filed with, the SEC.

Any statement incorporated by reference in this prospectus from an earlier dated document that is inconsistent with a statement contained in this prospectus or in any other document filed after the date of the earlier dated document, but prior to the date hereof, which also is incorporated by reference in this prospectus, shall be deemed to be modified or superseded for purposes of this prospectus by such statement contained in this prospectus or in any other document filed after the date of the earlier dated document, but prior to the date hereof, which also is incorporated by reference in this prospectus.

Any person, including any beneficial owner, to whom this prospectus is delivered may request copies of any of the documents incorporated by reference in this prospectus, without charge, by written or oral request as directed to FB Financial Corporation, c/o Investor Relations, 1221 Broadway, Suite 1300, Nashville, Tennessee 37203 or by phone at (615) 564-1212 or our website at www.firstbankonline.com under the "Investor Relations" tab or from the SEC through the SEC's Internet website at the address provided under "Where You Can Find More Information." All other information contained on our website is not part of this prospectus. Documents incorporated by reference in this prospectus are available without charge, excluding any exhibits to those documents unless the exhibit is specifically incorporated by reference into those documents.

![](tm2531092d1_fblogo.jpg)

**2,162,052 Shares**

**Common Stock**

**PROSPECTUS**

**November 14, 2025**

## Ex-Filing

?xml version='1.0' encoding='ASCII'? EX-FILING FEES

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Calculation of Filing Fee Tables**  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **S-3**  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **FB Financial Corp**  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Type**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Class Title**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fee Calculation or Carry Forward Rule**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount Registered**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Proposed Maximum Offering Price Per Unit**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Aggregate Offering Price**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fee Rate**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount of Registration Fee**  |
| **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** |
| Fees to be Paid | 1 | Equity | Common Stock, $1.00 par value | 457(r) | 2162052 | $51.50 | $111345678.00 | 0.0001381 | $15376.84 |
| Fees Previously Paid |  |  |  |  |  |  |  |  |  |
| **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** |
| Carry Forward Securities |  |  |  |  |  |  |  |  |  |
|  |  |  | Total Offering Amounts: | Total Offering Amounts: | Total Offering Amounts: |  | $111345678.00  |  | $15376.84  |
|  |  |  | Total Fees Previously Paid:  | Total Fees Previously Paid:  | Total Fees Previously Paid:  |  |  |  | $0.00  |
|  |  |  | Total Fee Offsets:  | Total Fee Offsets:  | Total Fee Offsets:  |  |  |  | $0.00  |
|  |  |  | Net Fee Due:  | Net Fee Due:  | Net Fee Due:  |  |  |  | $15376.84  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **The prospectus is a final prospectus for the related offering.** <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Offering Note** <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup> Calculated in accordance with Rules 456(b) and 457(r) under the Securities Act of 1933, as amended (the "Securities Act") based on the actual offering price. This "Calculation of Registration Fee" table shall be deemed to update the "Calculation of Registration Fee" table in the registrant's Registration Statement on Form S-3ASR (File No. 333-291507), which was filed on November 13, 2025, in accordance with Rules 456(b) and 457(r) under the Securities Act. The prospectus supplement to which this exhibit is attached is a final prospectus for the related offering.

---

| | |
|:---|:---|
| | |
| **Rules 457(b) and 0-11(a)(2)** | **Rules 457(b) and 0-11(a)(2)** |
| Fee Offset Claims | N/A |
| Fee Offset Sources | N/A |
| **Rule 457(p)** | **Rule 457(p)** |
| Fee Offset Claims | N/A |
| Fee Offset Sources | N/A |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Type**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Class Title**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount of Securities Previously Registered**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Aggregate Offering Price of Securities Previously Registered**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Form Type**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **File Number**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Initial Effective Date**  |
| N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---