FB Financial Corporation (NYSE: FBK) primarily operates through its wholly owned subsidiary, FirstBank, which has
approximately $12.2 billion in total assets and ranks in the top 3% of all U.S. commercial banks. Since 1906, local
banking has remained at the forefront of FirstBank’s approach to serving businesses, families, and individuals within
the communities it calls home. FirstBank is headquartered in Nashville, Tennessee, and has 82 full-service branches
across Tennessee, South Central Kentucky, Alabama and North Georgia along with mortgage offices throughout the
Southeast.
Throughout our history, we have steadfastly maintained a community banking
approach of personalized relationship-based service. As we have grown, maintaining this
relationship-based approach utilizing local, talented and experienced bankers in each market has been an
integral component of our success. Our bankers leverage their local knowledge and relationships to
deliver timely solutions to our clients. We empower these bankers by giving them local decision-making
authority complemented by appropriate risk oversight. In our experience, business owners and operators
prefer to deal with decision-makers, and our banking model is built to place the decision- maker as
close to the client as possible. We have designed our operations, technology and centralized risk
oversight processes to specifically support our operating model. We deploy this operating model
universally in each of our markets, regardless of size. We believe we have a competitive advantage in
our markets versus both smaller community banks and larger regional and national banks. Our robust
offering of products, services and capabilities differentiates us from community banks, and our
significant local market knowledge, client service level, and the speed with which we are able to make
decisions and deliver our services to customers differentiates us from larger regional and national
banks.
We seek to leverage our operating model by focusing on profitable growth
opportunities across our footprint, consisting of both high-growth metropolitan markets and stable
community markets. As a result, we are able to strategically deploy our capital across our markets to
take advantage of the opportunities with the greatest certainty of profitable growth and the highest
returns.
Our operating model is executed by a talented management team lead by our Chief
Executive Officer, Christopher Holmes. Mr. Holmes, a 26-year banking veteran originally from Lexington,
Tennessee, joined the bank in 2010 as Chief Banking Officer and was named Chief Executive Officer in
2013. Mr. Holmes has an extensive background in both metropolitan and community banking gained from his
time at several larger public financial institutions. Mr. Holmes has assembled a highly effective
management team, blending members who have a long history with FirstBank and members who have
significant banking experience at other in-market banks. This leadership team offers us a fresh
perspective, and it implemented a new strategic plan in 2012 that called for significant incremental
investments in the Nashville, Tennessee, market.
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