FB Financial (FBK) 10-K 25 Feb 22 2021 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 23, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Document Transition Report	false
Entity File Number	001-37875
Entity Registrant Name	FB FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	TN
Entity Tax Identification Number	62-1216058
Entity Address, Address Line One	211 Commerce Street
Entity Address, Address Line Two	Suite 300
Entity Address, City or Town	Nashville
Entity Address, State or Province	TN
Entity Address, Postal Zip Code	37201
City Area Code	615
Local Phone Number	564-1212
Title of 12(b) Security	Common Stock, Par Value $1.00 Per Share
Trading Symbol	FBK
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Reporting Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 1,325,489,775
Entity Common Stock, Shares Outstanding		47,563,875
Current Fiscal Year End Date	--12-31
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity Central Index Key	0001649749

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2021
Auditor Information [Abstract]
Auditor Name	Crowe LLP
Auditor Location	Franklin, Tennessee
Auditor Firm ID	173

Consolidated balance sheets

Consolidated balance sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 91,333	$ 110,991
Federal funds sold and reverse repurchase agreements	128,087	121,153
Interest-bearing deposits in financial institutions	1,578,320	1,085,754
Cash and cash equivalents	1,797,740	1,317,898
Investments:
Available-for-sale debt securities, at fair value	1,678,525	1,172,400
Equity securities, at fair value	3,367	4,591
Federal Home Loan Bank stock, at cost	32,217	31,232
Loans held for sale, at fair value	752,223	899,173
Loans	7,604,662	7,082,959
Less: allowance for credit losses	125,559	170,389
Net loans	7,479,103	6,912,570
Premises and equipment, net	143,739	145,115
Other real estate owned, net	9,777	12,111
Operating lease right-of-use assets	41,686	49,537
Interest receivable	38,528	43,603
Mortgage servicing rights, at fair value	115,512	79,997
Goodwill	242,561	242,561
Core deposit and other intangibles, net	16,953	22,426
Bank-owned life insurance	73,519	71,977
Other assets	172,236	202,139
Total assets	12,597,686	11,207,330
Deposits
Noninterest-bearing	2,740,214	2,274,103
Interest-bearing checking	3,418,666	2,491,765
Money market and savings	3,546,936	3,254,915
Customer time deposits	1,103,594	1,375,695
Brokered and internet time deposits	27,487	61,559
Total deposits	10,836,897	9,458,037
Borrowings	171,778	238,324
Operating lease liabilities	46,367	55,187
Accrued expenses and other liabilities	109,949	164,400
Total liabilities	11,164,991	9,915,948
Commitments and contingencies (Note 16)
SHAREHOLDERS' EQUITY
Common stock, $1 par value per share; 75,000,000 shares authorized; 47,549,241 and 47,220,743 shares issued and outstanding at December 31, 2021 and 2020, respectively	47,549	47,222
Additional paid-in capital	892,529	898,847
Retained earnings	486,666	317,625
Accumulated other comprehensive income, net	5,858	27,595
Total FB Financial Corporation common shareholders' equity	1,432,602	1,291,289
Noncontrolling interest	93	93
Total equity	1,432,695	1,291,382
Total liabilities and shareholders' equity	$ 12,597,686	$ 11,207,330

Consolidated balance sheets (Pa

Consolidated balance sheets (Parenthetical) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	75,000,000	75,000,000
Common stock, shares issued (in shares)	47,549,241	47,220,743
Common stock, shares outstanding (in shares)	47,549,241	47,220,743

Consolidated statements of inco

Consolidated statements of income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Interest and fees on loans	$ 359,262	$ 294,596	$ 260,458
Interest on securities
Taxable	15,186	10,267	13,223
Tax-exempt	7,657	7,076	4,805
Other	2,893	2,705	4,051
Total interest income	384,998	314,644	282,537
Interest expense:
Deposits	30,189	42,859	51,568
Borrowings	7,439	6,127	4,933
Total interest expense	37,628	48,986	56,501
Net interest income	347,370	265,658	226,036
Provision for credit losses	(38,995)	94,606	7,053
Provision for credit losses on unfunded commitments	(1,998)	13,361	0
Net interest income after provisions for credit losses	388,363	157,691	218,983
Noninterest income:
Gain from securities, net	324	1,631	57
Gain (loss) on sales or write-downs of other real estate owned	2,504	(1,491)	545
Gain (loss) from other assets	323	(90)	(104)
Other income	19,047	15,322	7,099
Total noninterest income	228,255	301,855	135,397
Noninterest expenses:
Salaries, commissions and employee benefits	248,318	233,768	152,084
Occupancy and equipment expense	22,733	18,979	15,641
Legal and professional fees	9,161	7,654	7,486
Data processing	9,987	11,390	10,589
Merger costs	0	34,879	5,385
Amortization of core deposit and other intangibles	5,473	5,323	4,339
Advertising	13,921	10,062	9,138
Other expense	63,974	55,030	40,179
Total noninterest expense	373,567	377,085	244,841
Income before income taxes	243,051	82,461	109,539
Income tax expense	52,750	18,832	25,725
Net income applicable to FB Financial Corporation and noncontrolling interest	190,301	63,629	83,814
Net income applicable to noncontrolling interest	16	8	0
Net income applicable to FB Financial Corporation	$ 190,285	$ 63,621	$ 83,814
Earnings per common share
Basic (in dollars per share)	$ 4.01	$ 1.69	$ 2.70
Diluted (in dollars per share)	$ 3.97	$ 1.67	$ 2.65
Mortgage banking income
Noninterest income:
Mortgage banking income, service charges on deposit accounts, ATM and interchange fees, investment services and trust income	$ 167,565	$ 255,328	$ 100,916
Service charges on deposit accounts
Noninterest income:
Mortgage banking income, service charges on deposit accounts, ATM and interchange fees, investment services and trust income	10,034	9,160	9,479
ATM and interchange fees
Noninterest income:
Mortgage banking income, service charges on deposit accounts, ATM and interchange fees, investment services and trust income	19,900	14,915	12,161
Investment services and trust income
Noninterest income:
Mortgage banking income, service charges on deposit accounts, ATM and interchange fees, investment services and trust income	$ 8,558	$ 7,080	$ 5,244

Consolidated statements of comp

Consolidated statements of comprehensive income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 190,301	$ 63,629	$ 83,814
Other comprehensive (loss) income, net of tax:
Net change in unrealized (loss) gain in available-for-sale securities, net of tax (benefits) expenses of $(7,224), $5,781 and $6,227	(22,475)	18,430	17,693
Reclassification adjustment for (gain) loss on sale of securities included in net income, net of tax expenses (benefits) of $33, $348 and $(24)	(93)	(987)	67
Net change in unrealized loss in hedging activities, net of tax expenses (benefits) of $293, $(363) and $(322)	831	(1,031)	(914)
Reclassification adjustment for gain on hedging activities, net of tax expenses of $0, $337 and $170	0	(955)	(481)
Total other comprehensive (loss) income, net of tax	(21,737)	15,457	16,365
Comprehensive income	168,564	79,086	100,179
Comprehensive income applicable to noncontrolling interest	16	8	0
Comprehensive income applicable to FB Financial Corporation	$ 168,548	$ 79,078	$ 100,179

Consolidated statements of co_2

Consolidated statements of comprehensive income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net tax (benefits) expenses on net change in unrealized gain (loss) on available-for-sale securities	$ (7,224)	$ 5,781	$ 6,227
Net tax expenses (benefits) on reclassification adjustment for gain on sale of securities included in net income	33	348	(24)
Net tax expenses (benefits) recognized on net change in unrealized gain (loss) on hedging activities	293	(363)	(322)
Net tax expenses on reclassification adjustment on gain on hedging activities	$ 0	$ 337	$ 170

Consolidated statements of chan

Consolidated statements of changes in shareholders' equity - USD ($) $ in Thousands	Total	FNB Financial Corp.	Franklin Financial Network, Inc.	Cumulative effect of change in accounting principle	Adjusted balance	Common stock	Common stockFNB Financial Corp.	Common stockFranklin Financial Network, Inc.	Common stockAdjusted balance	Additional paid-in capital	Additional paid-in capitalFNB Financial Corp.	Additional paid-in capitalFranklin Financial Network, Inc.	Additional paid-in capitalAdjusted balance	Retained earnings	Retained earningsCumulative effect of change in accounting principle	Retained earningsAdjusted balance	Accumulated other comprehensive income, net	Accumulated other comprehensive income, netAdjusted balance	Total common shareholders' equity	Total common shareholders' equityFNB Financial Corp.	Total common shareholders' equityFranklin Financial Network, Inc.	Total common shareholders' equityCumulative effect of change in accounting principle	Total common shareholders' equityAdjusted balance	Noncontrolling interests	Noncontrolling interestsFranklin Financial Network, Inc.	Noncontrolling interestsAdjusted balance
Beginning balance at Dec. 31, 2018	$ 671,857			$ (1,309)	$ 670,548	$ 30,725			$ 30,725	$ 424,146			$ 424,146	$ 221,213	$ (1,309)	$ 219,904	$ (4,227)	$ (4,227)	$ 671,857			$ (1,309)	$ 670,548	$ 0		$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	83,814													83,814					83,814
Other comprehensive income, net of taxes	16,365																16,365		16,365
Stock based compensation expense	7,089					12				7,077									7,089
Restricted stock units vested and distributed, net of shares withheld	(6,097)					274				(6,371)									(6,097)
Shares issued under employee stock purchase program	804					23				781									804
Dividends declared	(10,194)													(10,194)					(10,194)
Ending balance at Dec. 31, 2019	762,329			$ (25,018)	$ 737,311	31,034			$ 31,034	425,633			$ 425,633	293,524	$ (25,018)	$ 268,506	12,138	$ 12,138	762,329			$ (25,018)	$ 737,311	0		$ 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	63,629													63,621					63,621					8
Other comprehensive income, net of taxes	15,457																15,457		15,457
Common stock issued in connection with acquisitions, net of registration costs (See Note 2)		$ 34,847	$ 444,966				$ 955	$ 15,058			$ 33,892	$ 429,815								$ 34,847	$ 444,873				$ 93
Stock based compensation expense	10,214					22				10,192									10,214
Restricted stock units vested and distributed, net of shares withheld	(1,510)					123				(1,633)									(1,510)
Shares issued under employee stock purchase program	978					30				948									978
Dividends declared	(14,502)													(14,502)					(14,502)
Noncontrolling interest distribution	(8)																							(8)
Ending balance at Dec. 31, 2020	1,291,382					47,222				898,847				317,625			27,595		1,291,289					93
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	190,301													190,285					190,285					16
Other comprehensive income, net of taxes	(21,737)																(21,737)		(21,737)
Repurchase of common stock	(7,595)					(179)				(7,416)									(7,595)
Stock based compensation expense	10,282					7				10,275									10,282
Restricted stock units vested and distributed, net of shares withheld	(10,158)					462				(10,620)									(10,158)
Shares issued under employee stock purchase program	1,480					37				1,443									1,480
Dividends declared	(21,244)													(21,244)					(21,244)
Noncontrolling interest distribution	(16)																							(16)
Ending balance at Dec. 31, 2021	$ 1,432,695					$ 47,549				$ 892,529				$ 486,666			$ 5,858		$ 1,432,602					$ 93

Consolidated statements of ch_2

Consolidated statements of changes in shareholders' equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Dividends declared (USD per share)	$ 0.44	$ 0.36	$ 0.32

Consolidated statements of cash

Consolidated statements of cash flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 190,301	$ 63,629	$ 83,814
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization of fixed assets and software	8,416	7,536	5,176
Amortization of core deposit and other intangibles	5,473	5,323	4,339
Capitalization of mortgage servicing rights	(39,018)	(47,025)	(42,151)
Net change in fair value of mortgage servicing rights	3,503	47,660	26,299
Stock-based compensation expense	10,282	10,214	7,089
Provision for credit losses	(38,995)	94,606	7,053
Provision for credit losses on unfunded commitments	(1,998)	13,361	0
Provision for mortgage loan repurchases	(766)	2,607	362
Amortization (accretion) of premiums and discounts on acquired loans, net	853	(3,788)	(8,556)
Accretion of discounts and amortization of premiums on securities, net	8,777	7,382	3,026
Gain from securities, net	(324)	(1,631)	(57)
Originations of loans held for sale	(6,300,892)	(6,650,258)	(4,540,652)
Repurchases of loans held for sale	(487)	0	(9,919)
Proceeds from sale of loans held for sale	6,387,110	6,487,809	4,662,728
Gain on sale and change in fair value of loans held for sale	(161,964)	(270,802)	(100,228)
Net (gain) loss or write-downs of other real estate owned	(2,504)	1,491	(545)
(Gain) loss on other assets	(323)	90	104
Relief of goodwill	0	0	100
Provision for deferred income taxes	30,770	(25,530)	(1,916)
Earnings on bank-owned life insurance	(1,542)	(1,556)	(242)
Changes in:
Operating leases	(969)	2,664	0
Other assets and interest receivable	59,283	(57,316)	(44,938)
Accrued expenses and other liabilities	(100,108)	43,532	13,019
Net cash provided by (used in) operating activities	54,878	(270,002)	63,905
Activity in available-for-sale securities:
Sales	8,855	146,494	24,498
Maturities, prepayments and calls	296,256	220,549	113,018
Purchases	(847,212)	(424,971)	(151,425)
Net change in loans	(457,042)	4,383	(364,975)
Net change in commercial loans held for sale	147,276	114,031	0
Sales of FHLB stock	4,294	0	0
Purchases of FHLB stock	(5,279)	(515)	(2,544)
Proceeds from sale of mortgage servicing rights	0	0	29,160
Purchases of premises and equipment	(6,102)	(5,934)	(6,812)
Proceeds from the sale of premises and equipment	0	0	1,275
Proceeds from the sale of other real estate owned	9,396	6,937	3,860
Net cash acquired in business combinations	0	248,447	171,032
Net cash (used in) provided by investing activities	(849,558)	310,136	(182,913)
Cash flows from financing activities:
Net increase in demand deposits	1,685,033	1,519,868	249,348
Net decrease in time deposits	(306,173)	(328,035)	(75,004)
Net increase (decrease) in securities sold under agreements to repurchase	8,517	5,262	(908)
Payments on FHLB advances	0	(250,000)	0
Proceeds from FHLB advances	0	0	68,235
Issuance of subordinated debt, net of issuance costs	0	98,189	0
Payments on subordinated debt	(60,000)	0	0
Accretion of subordinated debt fair value premium and amortization of issuance costs, net	17	(397)	0
(Payments on) proceeds from other borrowings	(15,000)	15,000	0
Share based compensation withholding payments	(10,158)	(1,510)	(6,097)
Net proceeds from sale of common stock under employee stock purchase program	1,480	978	804
Repurchase of common stock	(7,595)	0	0
Dividends paid	(21,583)	(14,264)	(10,045)
Noncontrolling interest distribution	(16)	(8)	0
Net cash provided by financing activities	1,274,522	1,045,083	226,333
Net change in cash and cash equivalents	479,842	1,085,217	107,325
Cash and cash equivalents at beginning of the period	1,317,898	232,681	125,356
Cash and cash equivalents at end of the period	1,797,740	1,317,898	232,681
Supplemental cash flow information:
Interest paid	41,238	48,679	55,051
Taxes paid	61,693	20,419	25,290
Supplemental noncash disclosures:
Transfers from loans to other real estate owned	5,262	2,746	5,487
Transfers from other real estate owned to premises and equipment	0	841	0
Transfers to premises and equipment	0	0	4,290
Loans provided for sales of other real estate owned	704	305	166
Transfers from loans to loans held for sale	10,408	11,483	7,981
Transfers from loans held for sale to loans	86,315	55,766	12,259
Stock consideration paid in business combination	0	480,867	0
Dividends declared not paid on restricted stock units	400	238	149
Decrease to retained earnings for adoption of new accounting standards	0	25,018	1,309
Right-of-use assets obtained in exchange for operating lease liabilities	970	2,393	37,916
Proceeds from Life Insurance Policy	$ 0	$ 715	$ 0

Basis of presentation

Basis of presentation	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation: (A) Organization and Company overview: FB Financial Corporation is a financial holding company headquartered in Nashville, Tennessee. The consolidated financial statements include the Company and its wholly-owned subsidiaries, FirstBank (the "Bank") and FirstBank Risk Management, Inc. The Bank operates through 82 full-service branches throughout Tennessee, southern Kentucky, north Alabama, and north Georgia, and a national online mortgage business with office locations across the Southeast, which primarily originates mortgage loans to be sold in the secondary market. The Bank is subject to competition from other financial services companies and financial institutions. The Company and the Bank are also subject to the regulations of certain federal and state agencies and undergo periodic examinations by those regulatory authorities. See "Supervision and regulation" in part 1, item 1, for more details regarding regulatory oversight. As of December 31, 2021, the Company ceased to qualify as an emerging growth company as defined by the "Jumpstart Our Business Startups Act". As previously disclosed, the COVID-19 health pandemic has created financial disruptions including rapid decreases in commercial and consumer activity, increases in unemployment, widening of credit spreads, dislocation of bond markets, disruption of global supply chains and changes in consumer spending behavior. During the year ended December 31, 2021, the Company experienced a slow improvement in commerce through much of its footprint, with many restrictions being lifted and vaccinations becoming more widely available. Despite the pickup in economic activity, commercial and consumer activity has not returned to pre-pandemic levels. Concern remains regarding the potential impact that resurgences and new virus variants may have on the global economy, the efficacy of available vaccines and boosters to protect against widespread infection, persistent supply chain delays and other political and economic variables. As such, there continues to be uncertainty regarding the long term effects on the global economy, which could have a material adverse impact on the Company's business operations, asset valuations, financial condition, and results of operations. (B) Basis of presentation: The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and general banking industry. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported results of operations for the year then ended. Actual results could differ significantly from those estimates. It is possible that the Company's estimate of the allowance for credit losses and determination of impairment of goodwill could change as a result of the continued impact of the COVID-19 pandemic on the economy. The resulting change in these estimates could be material to the Company's financial statements. The consolidated financial statements include the accounts of the Company, FBRM, the Bank, and its’ wholly-owned subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform to the current period presentation without any impact on the reported amounts of net income or shareholders’ equity. (C) Cash flows: For purposes of reporting consolidated cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest earning deposits in other financial institutions with maturities of less than 90 days at the date of purchase. These amounts are reported in the consolidated balance sheets caption “Cash and cash equivalents.” Net cash flows are reported for loans held for investment, deposits and short-term borrowings. (D) Cash and cash equivalents: The Company considers all highly liquid unrestricted investments with a maturity of three months or less when purchased to be cash equivalents. This includes cash, federal funds sold, reverse repurchase agreements and interest-bearing deposits in other financial institutions. (E) Investment securities: Debt securities are classified as held to maturity and carried at amortized cost, excluding accrued interest, when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Available-for-sale debt securities are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of applicable taxes. Beginning January 1, 2020, unrealized losses resulting from credit losses for available-for-sale debt securities are recognized in earnings as a provision for credit losses. Unrealized losses that do not result from credit losses are excluded from earnings and reported in equity as accumulated other comprehensive income, net of applicable taxes. Accrued interest receivable is separated from other components of amortized cost and presented separately on the consolidated balance sheets. Equity securities with readily determinable market values are carried at fair value on the balance sheet with any periodic changes in value made through adjustments to the statement of income. Equity securities without readily determinable market values are carried at cost less impairment and included in other assets on the consolidated balance sheets. Interest income includes the amortization and accretion of purchase premium and discount. Premiums and discounts on securities are amortized on the level-yield method anticipating prepayments based upon the prior three month average monthly prepayments when available. The sale and purchase of investment securities are recognized on a trade date basis with gains and losses on sales being determined using the specific identification method. The Company evaluates available-for-sale securities for expected credit losses at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. For securities in an unrealized loss position, consideration is given to the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, the Company considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. When credit losses are expected to occur, the amount of the expected credit loss recognized in earnings depends on the Company's intention to sell the security or if it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the expected credit loss recognized in earnings is equal to the entire difference between its amortized cost basis and its fair value at the date it was determined to be impaired due to credit losses or other factors. The previous amortized cost basis less the impairment recognized in earnings becomes the new amortized cost basis of the investment. However, if the Company does not intend to sell the security and it is not more likely than not to be required to sell the security before recovery of its amortized cost basis, the difference between the amortized cost and the fair value is separated into the amount representing the credit loss and the amount related to all other factors. If the Company determines a decline in fair value below the amortized cost basis of an available-for-sale investment security has resulted from credit related factors, the Company records a credit loss through an allowance for credit losses. The allowance for credit losses is limited by the amount that the fair value is less than amortized cost. The amount of the allowance for credit losses is determined based on the present value of cash flows expected to be collected and is recognized as a charge to earnings. The amount of the impairment related to other, non-credit related, factors is recognized in other comprehensive income, net of applicable taxes. The Company did not record any provision for credit losses for its available-for-sale debt securities during the years ended December 31, 2021 or 2020, as the majority of the investment portfolio is government guaranteed and declines in fair value below amortized cost were determined to be non-credit related. (F) Federal Home Loan Bank stock: The Bank accounts for its investments in FHLB stock in accordance with FASB ASC Topic 942-325 "Financial Services-Depository and Lending-Investments-Other." FHLB stock are equity securities that do not have a readily determinable fair value because its ownership is restricted and lacks a market. FHLB stock is carried at cost and evaluated for impairment. (G) Loans held for sale: Mortgage loans held for sale Loans originated and intended for sale in the secondary market, primarily mortgage loans, are carried at fair value as permitted under the guidance in ASC 825, “Financial Instruments” (“ASC 825”). Net (losses) gains of $(16,976), $24,233, and $(2,861) resulting from fair value changes of these mortgage loans were recorded in income during the years ended December 31, 2021, 2020 and 2019, respectively. The amount does not reflect changes in fair values of related derivative instruments used to hedge exposure to market-related risks associated with these mortgage loans. The change in fair value of both mortgage loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the Consolidated Statements of Income. Gains and losses are recognized in Mortgage banking income on the consolidated statements of income at the time the loan is closed. Pass through origination costs and related loan fees are also included in “Mortgage banking income”. Periodically, the Bank will transfer mortgage loans originated for sale in the secondary markets into the loan portfolio based on current market conditions, the overall secondary marketability of the loan and the status of the loan. During the years ended December 31, 2021, 2020, and 2019, the Bank transferred $86,315, $55,766, and $12,259, respectively, of residential mortgage loans into its loans held for investment portfolio. The loans are transferred into the portfolio at fair value at the date of transfer. Additionally, occasionally the Bank will transfer loans from the held for investment portfolio into loans held for sale. At the time of the transfer, loans are marked to fair value through the allowance for credit losses and reclassified to loans held for sale. During the years ended December 31, 2021 and 2020, the Company transferred $1,188 and 2,116, respectively, from the portfolio to loans held for sale, excluding GNMA repurchases discussed below. GNMA optional repurchase programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which the institution provides servicing and was the original transferor. At the servicer’s option and without GNMA’s prior authorization, the servicer may repurchase such a delinquent loan for an amount equal to 100 percent of the remaining principal balance of the loan. Under FASB ASC Topic 860, “Transfers and Servicing,” this buy-back option is considered a conditional option until the delinquency criteria are met, at which time the option becomes unconditional. When the Company is deemed to have regained effective control over these loans under the unconditional buy-back option, the loans can no longer be reported as sold and must be brought back onto the balance sheet, regardless of whether the Company intends to exercise the buy-back option if the buyback option provides the transferor a more-than-trivial benefit. When this criteria is met and these are repurchased, after a period of borrower performance, the loans are transferred to loans held for sale at fair value and are able to be regrouped into new Ginnie Mae guaranteed securities. During the years ended December 31, 2021, 2020 and 2019, the Company transferred $9,220, $9,367 and $7,891 respectively, of these repurchased loans from loans held for investment to loans held for sale. As of December 31, 2021, and 2020, there were $94,648 and $151,184, respectively, of delinquent GNMA loans that had previously been sold which the Company had the option to repurchase; however, the Company determined there not to be a "more-than-trivial benefit" based on an analysis of interest rates and assessment of potential reputational risk associated with these loans. As such, the Company did not record these loans on the balance sheets. Commercial loan held for sale During the year ended December 31, 2020, the Company acquired a portfolio of commercial loans, including shared national credits and institutional healthcare loans, as part of the its merger with Franklin Financial Network, Inc. and its wholly-owned subsidiaries (collectively, "Franklin") that the Company accounts for as held for sale. Net gains of $11,172 and $3,228 from changes in fair value of these commercial loans during the years ended December 31, 2021 and 2020, respectively, are included in other noninterest income on the consolidated statements of income. (H) Loans (excluding purchased credit deteriorated loans): Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at amortized cost. Amortized cost is equal to the principal amount outstanding less any purchase accounting discount or premium net of any accretion or amortization recognized to date. Interest on loans is recognized as income by using the simple interest method on daily balances of the principal amount outstanding plus any accretion or amortization of purchase accounting discounts. Loans on which the accrual of interest has been discontinued are designated as nonaccrual loans. Accrual of interest is discontinued on loans past due 90 days or more unless the credit is well secured and in the process of collection. Also, a loan may be placed on nonaccrual status prior to becoming past due 90 days if management believes, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of principal or interest is doubtful. The decision to place a loan on nonaccrual status prior to becoming past due 90 days is based on an evaluation of the borrower’s financial condition, collateral liquidation value, economic and business conditions and other factors that affect the borrower’s ability to pay. When a loan is placed on nonaccrual status, the accrued but unpaid interest is charged against current period operations. Thereafter, interest on nonaccrual loans is recognized only as received if future collection of principal is probable. If the collectability of outstanding principal is doubtful, interest received is applied as a reduction of principal. A loan may be restored to accrual status when principal and interest are no longer past due or it otherwise becomes both well secured and collectability is reasonably assured. The Company monitors the level of accrued interest receivable on nonperforming loans, however an allowance for credit losses was not required as of December 31, 2021 or 2020. (I) Allowance for credit losses: The allowance for credit losses represents the portion of the loan's amortized cost basis that the Company does not expect to collect due to credit losses over the loan's life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions considering macroeconomic forecasts. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for credit losses is based on the loan's amortized cost basis, excluding accrued interest receivable, as the Company promptly charges off uncollectible accrued interest receivable. Management’s determination of the appropriateness of the allowance is based on periodic evaluation of the loan portfolio, lending-related commitments and other relevant factors, including macroeconomic forecasts and historical loss rates. In future quarters, the Company may update information and forecasts that may cause significant changes in the estimate in those future quarters. As of January 1, 2020, the Company’s policy for the allowance for credit losses changed with the adoption of CECL to calculate the allowance using a lifetime expected credit loss approach. As permitted, the guidance was implemented using a modified retrospective approach with the impact of the initial adoption being recorded through retained earnings at January 1, 2020, with no restatement of prior periods. See Note 5, "Loans and allowance for credit losses" for additional details related to the Company's specific calculation methodology. The allowance for credit losses is the Company’s best estimate. Actual losses may differ from the December 31, 2021 allowance for credit loss as the CECL estimate is sensitive to economic forecasts and management judgment. The following portfolio segments have been identified: Commercial and industrial loans. The Company provides a mix of variable and fixed rate commercial and industrial loans. Commercial and industrial loans are typically made to small- and medium-sized manufacturing, wholesale, retail and service businesses for working capital and operating needs and business expansions, including the purchase of capital equipment and loans made to farmers relating to their operations. This category also includes loans secured by manufactured housing receivables. Commercial and industrial loans generally include lines of credit and loans with maturities of five years or less. The loans are generally made with operating cash flows as the primary source of repayment, but may also include collateralization by inventory, accounts receivable, equipment and/or personal guarantees. The ability of the borrower to collect accounts receivable, and to turn inventory into sales are risk factors in the repayment of the loan. Construction loans. Construction loans include commercial construction, land acquisition and land development loans and single-family interim construction loans to small- and medium-sized businesses and individuals. These loans are generally secured by the land or the real property being built and are made based on our assessment of the value of the property on an as-completed basis. We expect to continue to make construction loans at a similar pace so long as demand continues and the market for and values of such properties remain stable or continue to improve in our markets. These loans can carry risk of repayment when projects incur cost overruns, have an increase in the price of building materials, encounter zoning and environmental issues, or encounter other factors that may affect the completion of a project on time and on budget. Additionally, repayment risk may be negatively impacted when the market experiences a deterioration in the value of real estate. Residential real estate 1-4 family mortgage loans . The Company’s residential real estate 1-4 family mortgage loans are primarily made with respect to and secured by single family homes, which are both owner-occupied and investor owned and include manufactured homes with real estate. The Company intends to continue to make residential 1-4 family housing loans at a similar pace, so long as housing values in our markets do not deteriorate from current prevailing levels and we are able to make such loans consistent with our current credit and underwriting standards. First lien residential 1-4 family mortgages may be affected by unemployment or underemployment and deteriorating market values of real estate. Residential line of credit loans. The Company’s residential line of credit loans are revolving, open-end lines of credit secured by 1-4 residential properties. The Company intends to continue to make home equity loans if housing values in our markets do not deteriorate from current prevailing levels and we are able to make such loans consistent with our current credit and underwriting standards. Second lien residential 1-4 family mortgages may be affected by unemployment or underemployment and deteriorating market values of real estate. Multi-family residential loans. The Company’s multi-family residential loans are primarily secured by multi-family properties, such as apartments and condominium buildings. These loans also may be affected by unemployment or underemployment and deteriorating market values of real estate. Commercial real estate loans . The Company’s commercial real estate owner-occupied loans include loans to finance commercial real estate owner occupied properties for various purposes including use as offices, warehouses, production facilities, health care facilities, retail centers, restaurants, churches and agricultural based facilities. Commercial real estate owner-occupied loans are typically repaid through the ongoing business operations of the borrower, and hence are dependent on the success of the underlying business for repayment and are more exposed to general economic conditions. Commercial real estate non-owner occupied loans . The Company’s commercial real estate non-owner occupied loans include loans to finance commercial real estate non-owner occupied investment properties for various purposes including use as offices, warehouses, health care facilities, hotels, mixed-use residential/commercial, manufactured housing communities, retail centers, assisted living facilities and agricultural based facilities. Commercial real estate non-owner occupied loans are typically repaid with the funds received from the sale of the completed property or rental proceeds from such property, and are therefore more sensitive to adverse conditions in the real estate market, which can also affected by general economic conditions. Consumer and other loans . The Company’s consumer and other loans include loans to individuals for personal, family and household purposes, including car, boat and other recreational vehicle loans, manufactured homes without real estate, and personal lines of credit. Consumer loans are generally secured by vehicles and other household goods. The collateral securing consumer loans may depreciate over time. The company seeks to minimize these risks through its underwriting standards. Other loans also include loans to states and political subdivisions in the U.S. These loans are generally subject to the risk that the borrowing municipality or political subdivision may lose a significant portion of its tax base or that the project for which the loan was made may produce inadequate revenue. (J) Business combinations, accounting for acquired loans with credit deterioration and off-balance sheet financial instruments: Business combinations are accounted for by applying the acquisition method in accordance with Accounting Standards Codification 805, “Business Combinations” (“ASC 805”). Under the acquisition method, identifiable assets acquired and liabilities assumed and any non-controlling interest in the acquiree at the acquisition date are measured at their fair values as of that date. Any excess of the purchase price over fair value of net assets acquired is recorded as goodwill. To the extent the fair value of net assets acquired, including any other identifiable intangible assets, exceed the purchase price, a bargain purchase gain is recognized. Results of operations of acquired entities are included in the consolidated statements of income from the date of acquisition. Beginning January 1, 2020, loans acquired in business combinations with evidence of more-than-insignificant credit deterioration since origination are considered to be Purchased Credit Deteriorated. The Company developed multiple criteria to assess the presence of more–than–insignificant credit deterioration in acquired loans, mainly focused on changes in credit quality and payment status. While general criteria have been established, each acquisition will vary in its specific facts and circumstances and the Company will apply judgment around PCD identification for each individual acquisition based on their unique portfolio mix and risks identified. The Company adopted ASC 326 on January 1, 2020 using the prospective transition approach for loans previously classified as purchased credit impaired and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption and all PCI loans were transitioned to PCD loans upon adoption. Under PCD accounting, the amount of expected credit losses as of the acquisition date is added to the purchase price of the PCD loan. This establishes the amortized cost basis of the PCD loan. The difference between the unpaid principal balance of the PCD loan and the amortized cost basis of the PCD loan as of the acquisition date is the non-credit discount. Interest income for a PCD loan is recognized by accreting the amortized cost basis of the PCD loan to its contractual cash flows. The discount related to estimated credit losses on acquisition recorded as an allowance for credit losses will not be accreted into interest income. Only the noncredit-related discount will be accreted into interest income and subsequent adjustments to expected credit losses will flow through the provision for credit losses on the income statement. Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, unless considered derivatives. For loan commitments that are not accounted for as derivatives and when the obligation is not unconditionally cancellable by the Company, the Company applies the CECL methodology to estimate the expected credit loss on off-balance-sheet commitments. The estimate of expected credit losses for off-balance-sheet credit commitments is recognized as a liability. When the loan is funded, an allowance for expected credit losses is estimated for that loan using the CECL methodology, and the liability for off-balance-sheet commitments is reduced. When applying the CECL methodology to estimate the expected credit loss, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions. (K) Premises and equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Provisions for depreciation are computed principally on the straight-line method and are charged to occupancy expense over the estimated useful lives of the assets. Maintenance agreements are amortized to expense over the period of time covered by the agreement. Costs of major additions, replacements or improvements are capitalized while expenditures for maintenance and repairs are charged to expense as incurred. For financial statement purposes, the estimated useful life for premises is the lesser of the remaining useful life per third party appraisal or forty years, for furniture and fixtures the estimated useful life is seven three (L) Other real estate owned: Real estate acquired through, or in lieu of, loan foreclosure is initially recorded at fair value less the estimated cost to sell at the date of foreclosure, which may establish a new cost basis. Other real estate owned may also include excess facilities and properties held for sale as described in Note 7, "Other real estate owned". Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan. After initial measurement, valuations are periodically performed by management and the asset is carried at the lower of carrying amount or fair value less costs to sell. Revenue and expenses from operations are included in other noninterest income and noninterest expenses. Losses due to the valuation of the property are included in gain (loss) on sales or write-downs of other real estate owned. (M) Leases: The Company leases certain banking, mortgage and operations locations. The Company records leases on the balance sheet in the form of a lease liability for the present value of future minimum payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, incentive liabilities, leasehold intangibles and any impairment of the right-of-use asset. In determining whether a contract contains a lease, management conducts an analysis at lease inception to ensure an asset was specifically identified and the Company has control of use of the asset. The Company considers a lease to be a finance lease if future minimum lease payments amount to greater than 90% of the asset's fair value or if the lease term is equal to or greater than 75% of the asset's estimated economic useful life. The Company does not record leases on the consolidated balance sheets that are classified as short term (less than one year). Additionally, the Company has not recorded equipment leases on the consolidated balance sheets as these are not material to the Company. At lease inception, the Company determines the lease term by adding together the minimum lease term and all optional renewal periods that it is reasonably certain to renew. This determination is at management's full discretion and is made through consideration of the asset, market conditions, competition and entity based economic conditions, among other factors. The lease term is used in the economic life test and also to calculate straight-line rent expense. The depreciable life of leasehold improvements is limited by the estimated lease term, including renewals. Operating leases are expensed on a straight-line basis over the life of the lease beginning when the lease commences. Rent expense and variable lease expense are included in occupancy and equipment expense on the Company's Consolidated statements of income. The Company's variable lease expense include rent escalators that are based on the Consumer Price Index or market conditions and include items such as common area maintenance, utilities, parking, property taxes, insurance and other costs associated with the lease. The Company recognizes a right-of-use asset and a finance lease liability at the lease commencement dated on the estimated present value of lease payments over the lease term for finance leases. The amortization of the right-of-use asset is expensed through occupancy and equipment expense and the interest on the lease liability is expensed through interest expense on borrowings on the Company's consolidated statements of income. There are no residual value guarantees or restrictions or covenants imposed by leases that will impact the Company's ability to pay dividends or cause the Company to incur additional expenses. The discount rate used in determining the lease liability is based upon incremental borrowing rates the Company could obtain for similar loans as of the date of commencement or renewal. (N) Mortgage servicing rights: The Company accounts for its mortgage servicing rights under the fair value option as permitted under ASC 860-50-35, "Transfers and Servicing". The Company retains the right to service certain mortgage loans that it sells to secondary market investors. The retained mortgage servicing right is initially recorded at the f

Mergers and acquisitions

Mergers and acquisitions	12 Months Ended
	Dec. 31, 2021
Business Combination and Asset Acquisition [Abstract]
Mergers and acquisitions	Mergers and acquisitions: The following mergers and acquisitions were accounted for pursuant to Accounting Standards Codification 805, "Business Combinations". Accordingly, the purchase price of each acquisition was allocated to the acquired assets and liabilities assumed based on estimated fair values as of the respective acquisition dates. The excess of the purchase price over the net assets acquired was recorded as goodwill. Franklin Financial Network, Inc. merger Effective August 15, 2020, the Company completed its previously announced merger with Franklin Financial Network, Inc. and its wholly-owned subsidiaries, with FB Financial Corporation continuing as the surviving entity. After consolidating duplicative locations the merger added 10 branches and expanded the Company's footprint in middle Tennessee and the Nashville metropolitan statistical area. Under the terms of the agreement, the Company acquired total assets of $3.63 billion, loans of $2.79 billion and assumed total deposits of $3.12 billion. Total loans acquired includes a non-strategic institutional portfolio with a fair value of $326,206 the Company classified as held for sale. Franklin common shareholders received 15,058,181 shares of the Company's common stock, net of the equivalent value of 44,311 shares withheld on certain Franklin employee equity awards that vested upon change in control, as consideration in connection with the merger, in addition to $31,330 in cash consideration. Also included in the purchase price, the Company issued replacement restricted stock units for awards initially granted by Franklin during 2020 that did not vest upon change in control, with a total fair value of $674 attributed to pre-combination service. Based on the closing price of the Company's common stock on the New York Stock Exchange of $29.52 on August 15, 2020, the merger consideration represented approximately $477,830 in aggregate consideration. Goodwill of $67,191 recorded in connection with the transaction resulted from the ongoing business contribution, reputation, operating model and expertise of Franklin. The goodwill is not deductible for income tax purposes. Goodwill is included in the Banking segment as substantially all of the operations resulting from the acquisition of Franklin are in alignment with the Company's banking business. The following table presents an allocation of the consideration to net assets acquired: Purchase Price: Equity consideration Franklin shares outstanding (1) 15,588,337 Franklin options converted to net shares 62,906 15,651,243 Exchange ratio to FB Financial shares 0.965 FB Financial shares to be issued as merger consideration (2) 15,102,492 Issuance price as of August 15, 2020 $ 29.52 Value of FB Financial stock to be issued as merger consideration $ 445,826 Less: tax withholding on vested restricted stock awards, units and options (3) (1,308) Value of FB Financial stock issued $ 444,518 FB Financial shares issued 15,058,181 Franklin restricted stock units that do not vest on change in control 114,915 Replacement awards issued to Franklin employees 118,776 Fair value of replacement awards $ 3,506 Fair value of replacement awards attributable to pre-combination service $ 674 Cash consideration Total Franklin shares and net shares outstanding 15,651,243 Cash consideration per share $ 2.00 Total cash to be paid to Franklin (4) $ 31,330 Total purchase price $ 477,830 Fair value of net assets acquired 410,639 Goodwill resulting from merger $ 67,191 (1) Franklin shares outstanding includes restricted stock awards and restricted stock units that vested upon change in control. (2) Only factors in whole share issuance. Cash was paid in lieu of fractional shares. (3) Represents the equivalent value of approximately 44,311 shares of FB Financial Corporation stock on August 15, 2020. (4) Includes $28 of cash paid in lieu of fractional shares. FNB Financial Corp. merger Effective February 14, 2020, the Company completed its previously announced acquisition of FNB Financial Corp. and its wholly-owned subsidiary, Farmers National Bank of Scottsville (collectively, "Farmers National"). Following the acquisition, Farmers National was merged into the Company with FB Financial Corporation continuing as the surviving entity. The transaction added four branches and expanded the Company's footprint into Kentucky. Under the terms of the agreement, the Company acquired total assets of $258,218, loans of $182,171 and assumed total deposits of $209,535. Farmers National shareholders received 954,797 shares of the Company's common stock as consideration in connection with the merger, in addition to $15,001 in cash consideration. Based on the closing price of the Company's common stock on the New York Stock Exchange of $36.70 on February 14, 2020, the merger consideration represented approximately $50,042 in aggregate consideration. Goodwill of $6,319 recorded in connection with the transaction resulted from the ongoing business contribution of Farmers National and anticipated synergies arising from the combination of certain operational areas of the Company. Goodwill resulting from this transaction is not deductible for income tax purposes. Goodwill is included in the Banking segment as substantially all of the operations resulting from the acquisition of Farmers National are in alignment with the Company's core banking business. The following table presents the total purchase price, fair value of net assets acquired, and the goodwill as of the acquisition date. Consideration: Net shares issued 954,797 Purchase price per share on February 14, 2020 $ 36.70 Value of stock consideration $ 35,041 Cash consideration paid 15,001 Total purchase price $ 50,042 Fair value of net assets acquired 43,723 Goodwill resulting from merger $ 6,319 Net assets acquired The following table summarizes the estimated fair values of assets acquired and liabilities assumed as of the respective acquisition dates: As of August 15, 2020 As of February 14, 2020 Franklin Financial Network, Inc. FNB Financial Corp. ASSETS Cash and cash equivalents $ 284,004 $ 10,774 Investments 373,462 50,594 Mortgage loans held for sale, at fair value 38,740 — Commercial loans held for sale, at fair value 326,206 — Loans held for investment, net of fair value adjustments 2,427,527 182,171 Allowance for credit losses on purchased credit (24,831) (669) Premises and equipment 45,471 8,049 Operating lease right-of-use assets 23,958 14 Mortgage servicing rights 5,111 — Core deposit intangible 7,670 2,490 Other assets 124,571 4,795 Total assets $ 3,631,889 $ 258,218 LIABILITIES Deposits: Noninterest-bearing $ 505,374 $ 63,531 Interest-bearing checking 1,783,379 26,451 Money market and savings 342,093 37,002 Customer time deposits 383,433 82,551 Brokered and internet time deposits 107,452 — Total deposits 3,121,731 209,535 Borrowings 62,435 3,192 Operating lease liabilities 24,330 14 Accrued expenses and other liabilities 12,661 1,754 Total liabilities assumed 3,221,157 214,495 Noncontrolling interests acquired 93 — Net assets acquired $ 410,639 $ 43,723 Purchased credit-deteriorated loans Under the CECL methodology, the Company is required to determine whether purchased loans held for investment have experienced more-than-insignificant deterioration in credit quality since origination. Loans that have experienced this level of deterioration in credit quality are subject to special accounting at initial recognition and measurement. The Company initially measures the amortized cost of a PCD loan by adding the acquisition date estimate of expected credit losses to the loan's purchase price (i.e. the "gross up" approach). There is no provision for credit loss recognized upon acquisition of a PCD loan because the initial allowance is established through gross-up of the loans' amortized cost. The Company determined that 27.9% of the Franklin loan portfolio had more-than-insignificant deterioration in credit quality since origination as of the acquisition date. This included deterioration in credit metrics, such as delinquency, nonaccrual status or risk ratings as well as certain loans within designated industries of concern that have been negatively impacted by COVID-19. It was determined that 10.1% of the Farmers National loan portfolio had more-than-insignificant deterioration in credit quality since origination as of the February acquisition date. These were primarily delinquent loans or loans that Farmers National had classified as nonaccrual or troubled debt restructuring prior to the Company's acquisition. As of August 15, 2020 As of February 14, 2020 Franklin Financial Network, Inc. FNB Financial Corp. Purchased credit-deteriorated loans Principal balance $ 693,999 $ 18,964 Allowance for credit losses at acquisition (24,831) (669) Net premium attributable to other factors 8,810 63 Loans purchased credit-deteriorated fair value $ 677,978 $ 18,358 Loans recognized through acquisition that have not experienced more-than-insignificant credit deterioration since origination are initially recognized at the purchase price. Expected credit losses are measured under CECL through the provision for credit losses. The Company recorded provisions for credit losses in the amounts of $52,822 and $2,885 as of August 15, 2020 and February 14, 2020, respectively, in the statement of income related to estimated credit losses on non-PCD loans from Franklin and Farmers National, respectively. Additionally, the Company estimates expected credit losses on off-balance sheet loan commitments that are not accounted for as derivatives. The Company recorded an increase in provision for credit losses from unfunded commitments of $10,499 as of August 15, 2020 related to the Franklin acquisition. Pro forma financial information (unaudited) The results of operations of the acquisitions have been included in the Company's consolidated financial statements prospectively beginning on the date of each acquisition. The acquisitions have been fully integrated with the Company's existing operations. Accordingly, post-acquisition net interest income, total revenues, and net income are not discernible. The following unaudited pro forma condensed consolidated financial information presents the results of operations for the year ended December 31, 2020, as though the Franklin and Farmers National acquisitions had been completed as of January 1, 2019. The unaudited estimated pro forma information combines the historical results of the mergers with the Company’s historical consolidated results and includes certain adjustments reflecting the estimated impact of certain fair value adjustments for the periods presented. Merger expenses are reflected in the period they were incurred. The pro forma information is not indicative of what would have occurred had the transactions taken place on January 1, 2019 and does not include the effect of cost-saving or revenue-enhancing strategies. Year Ended December 31, 2020 2019 Net interest income $ 338,092 $ 348,660 Total revenues $ 654,374 $ 504,273 Net income applicable to FB Financial Corporation $ 65,135 $ 99,898

Cash and cash equivalents conce

Cash and cash equivalents concentrations	12 Months Ended
	Dec. 31, 2021
Cash and Cash Equivalents [Abstract]
Cash and cash equivalents concentrations	Cash and cash equivalents concentrations:Prior to March 26, 2020, the Bank was required to maintain an average reserve balance with the Federal Reserve Bank or maintain such reserve balance in the form of cash. To push liquidity into the system at the beginning of the COVID-19 health pandemic, the Board of Governors of the Federal Reserve System reduced reserve requirement ratios on all net transaction accounts to zero percent, eliminating reserve requirements for all depository institutions. Therefore, the Bank's required average reserve balance was $0 as of December 31, 2021 and 2020. The Bank maintains its cash in bank deposit accounts, which, at times, may exceed federally insured limits. The Bank has not experienced any losses in such correspondent accounts and believes it is not exposed to any significant credit risk from cash and cash equivalents. Included in cash and cash equivalents, the Bank had cash in the form of Federal funds sold of $53,919 and $121,153 as of December 31, 2021 and 2020, respectively; and the Bank had reverse repurchase agreements of $74,168 and $0 as of December 31, 2021 and 2020, respectively.

Investment securities

Investment securities	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Investment securities	Investment securities: The following tables summarize the amortized cost, allowance for credit losses and fair value of the available-for-sale debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive income at December 31, 2021 and 2020: December 31, 2021 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 34,023 $ 18 $ (171) $ — $ 33,870 Mortgage-backed securities - residential 1,281,285 6,072 (17,985) — 1,269,372 Mortgage-backed securities - commercial 15,024 272 (46) — 15,250 Municipal securities 322,052 16,718 (160) — 338,610 U.S. Treasury securities 14,914 — (6) — 14,908 Corporate securities 6,500 40 (25) — 6,515 Total $ 1,673,798 $ 23,120 $ (18,393) $ — $ 1,678,525 December 31, 2020 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 2,000 $ 3 $ — $ — $ 2,003 Mortgage-backed securities - residential 760,099 14,040 (803) — 773,336 Mortgage-backed securities - commercial 20,226 1,362 — — 21,588 Municipal securities 336,543 19,806 (20) — 356,329 U.S. Treasury securities 16,480 148 — — 16,628 Corporate securities 2,500 17 (1) — 2,516 Total $ 1,137,848 $ 35,376 $ (824) $ — $ 1,172,400 The components of amortized cost for debt securities on the consolidated balance sheets excludes accrued interest receivable since the Company elected to present accrued interest receivable separately on the consolidated balance sheets. As of December 31, 2021 and 2020, total accrued interest receivable on debt securities was $5,051 and $4,540, respectively. As of December 31, 2021 and 2020, the Company had $3,367 and $4,591, in marketable equity securities recorded at fair value, respectively. Securities pledged at December 31, 2021 and 2020 had carrying amounts of $1,226,646 and $804,821, respectively, and were pledged to secure a Federal Reserve Bank line of credit, public deposits and repurchase agreements. There were no holdings of securities of any one issuer, other than U.S. Government sponsored enterprises, in an amount greater than 10% of shareholders' equity during any period presented. Investment Securities transactions are recorded as of the trade date. At December 31, 2021 and 2020, there were no trade date receivables or payables that related to sales or purchases settled after period end. The amortized cost and fair value of debt securities by contractual maturity at December 31, 2021 and 2020 are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgage underlying the security may be called or repaid without any penalties. Therefore, mortgage-backed securities are not included in the maturity categories in the following maturity summary. December 31, 2021 2020 Available-for-sale Available-for-sale Amortized cost Fair value Amortized cost Fair value Due in one year or less $ 21,851 $ 21,884 $ 35,486 $ 35,662 Due in one to five years 54,847 55,307 24,278 24,684 Due in five to ten years 45,714 46,975 40,038 41,332 Due in over ten years 255,077 269,737 257,721 275,798 377,489 393,903 357,523 377,476 Mortgage-backed securities - residential 1,281,285 1,269,372 760,099 773,336 Mortgage-backed securities - commercial 15,024 15,250 20,226 21,588 Total debt securities $ 1,673,798 $ 1,678,525 $ 1,137,848 $ 1,172,400 Sales and other dispositions of available-for-sale securities were as follows: Year Ended December 31, 2021 2020 2019 Proceeds from sales $ 8,855 $ 146,494 $ 24,498 Proceeds from maturities, prepayments and calls 296,256 220,549 113,018 Gross realized gains 127 1,606 7 Gross realized losses 1 271 98 Additionally, the change in the fair value of equity securities and gain on sale of equity securities resulted in net gains of $198, $296 and $148 for the years ended December 31, 2021, 2020, and 2019, respectively. The following tables show gross unrealized losses for which an allowance for credit losses has not been recorded at December 31, 2021 and 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: December 31, 2021 Less than 12 months 12 months or more Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. government agency securities $ 18,360 $ (171) $ — $ — $ 18,360 $ (171) Mortgage-backed securities - residential 871,368 (14,295) 102,799 (3,690) 974,167 (17,985) Mortgage-backed securities - commercial 7,946 (46) — — 7,946 (46) Municipal securities 11,414 (160) — — 11,414 (160) U.S. Treasury securities 14,908 (6) — — 14,908 (6) Corporate securities 4,119 (25) — — 4,119 (25) Total $ 928,115 $ (14,703) $ 102,799 $ (3,690) $ 1,030,914 $ (18,393) December 31, 2020 Less than 12 months 12 months or more Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized loss Mortgage-backed securities - residential $ 182,012 $ (803) $ — $ — $ 182,012 $ (803) Municipal securities 3,184 (20) — — 3,184 (20) Corporate Securities 499 (1) — — 499 (1) Total $ 185,695 $ (824) $ — $ — $ 185,695 $ (824) As of December 31, 2021 and 2020, the Company’s securities portfolio consisted of 511 and 514 securities, 80 and 16 of which were in an unrealized loss position, respectively. As of December 31, 2021 and 2020, the Company evaluated available-for-sale debt securities with unrealized losses for expected credit loss and recorded no allowance for credit loss as the majority of the investment portfolio was either government guaranteed or an issuance of a government sponsored entity, was highly rated by major credit rating agencies and have a long history of zero losses. As such, no provision for credit losses was recorded for the years ended December 31, 2021 and 2020.

Loans and allowance for credit

Loans and allowance for credit losses	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans and allowance for credit losses	Loans and allowance for credit losses: Loans outstanding as of December 31, 2021 and 2020, by class of financing receivable are as follows: December 31, 2021 2020 Commercial and industrial (1) $ 1,290,565 $ 1,346,122 Construction 1,327,659 1,222,220 Residential real estate: 1-to-4 family mortgage 1,270,467 1,089,270 Residential line of credit 383,039 408,211 Multi-family mortgage 326,551 175,676 Commercial real estate: Owner occupied 951,582 924,841 Non-owner occupied 1,730,165 1,598,979 Consumer and other 324,634 317,640 Gross loans 7,604,662 7,082,959 Less: Allowance for credit losses (125,559) (170,389) Net loans $ 7,479,103 $ 6,912,570 (1) Includes $3,990 and $212,645 of loans originated as part of the Paycheck Protection Program as of December 31, 2021 and 2020, respectively. PPP loans are federally guaranteed as part of the CARES Act, provided PPP loan recipients receive loan forgiveness under the SBA regulations. As such, there is minimal credit risk associated with these loans. As of December 31, 2021 and 2020, $1,136,294 and $1,248,857, respectively, of qualifying residential mortgage loans (including loans held for sale) and $1,581,673 and $1,532,749, respectively, of qualifying commercial mortgage loans were pledged to the Federal Home Loan Bank of Cincinnati securing advances against the Bank’s line of credit. Additionally, as of December 31, 2021 and 2020, qualifying loans of $2,440,097 and $2,463,281, respectively, were pledged to the Federal Reserve Bank under the Borrower-in-Custody program. The components of amortized cost for loans on the consolidated balance sheet excludes accrued interest receivable as the Company presents accrued interest receivable separately on the balance sheet. As of December 31, 2021 and 2020, accrued interest receivable on loans held for investment was $31,676 and $38,316, respectively. Allowance for Credit Losses As of January 1, 2020, the Company’s policy for the allowance changed with the adoption of CECL. As permitted, the new guidance was implemented using a modified retrospective approach with the impact of the initial adoption being recorded through retained earnings at January 1, 2020, with no restatement of prior periods. Before January 1, 2020, the Company calculated the allowance on an incurred loss approach. As of January 1, 2020, the Company calculated an expected credit loss using a lifetime loss rate methodology. As a result of the difference in methodology between periods, disclosures presented below may not be comparative in nature. The Company utilizes probability-weighted forecasts, which consider multiple macroeconomic variables from a third-party vendor that are applicable to the type of loan. Each of the Company's loss rate models incorporate forward-looking macroeconomic projections throughout the reasonable and supportable forecast period and the subsequent historical reversion at the macroeconomic variable input level. In order to estimate the life of a loan, the contractual term of the loan is adjusted for estimated prepayments based on market information and the Company’s prepayment history. The Company's loss rate models estimate the lifetime loss rate for pools of loans by combining the calculated loss rate based on each variable within the model (including the macroeconomic variables). The lifetime loss rate for the pool is then multiplied by the loan balances to determine the expected credit losses on the pool. The Company considers the need to qualitatively adjust its modeled quantitative expected credit loss estimate for information not already captured in the model loss estimation process. These qualitative factor adjustments may increase or decrease the Company’s estimate of expected credit losses. The Company reviews the qualitative adjustments so as to validate that information that has already been considered and included in the modeled quantitative loss estimation process is not also included in the qualitative adjustment. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations. The quantitative models require loan data and macroeconomic variables based on the inherent credit risks in each portfolio to more accurately measure the credit risks associated with each. Each of the quantitative models pools loans with similar risk characteristics and collectively assesses the lifetime loss rate for each pool to estimate its expected credit loss. When a loan no longer shares similar risk characteristics with other loans in any given pool, the loan is individually assessed. The Company has determined the following circumstances in which a loan may require an individual evaluation: collateral dependent loans; loans for which foreclosure is probable; and loans with other unique risk characteristics. A loan is deemed collateral dependent when 1) the borrower is experiencing financial difficulty and 2) the repayment is expected to be primarily through sale or operation of the collateral. The allowance for credit losses for collateral dependent loans as well as loans where foreclosure is probable is calculated as the amount for which the loan’s amortized cost basis exceeds fair value. Fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. In cases where repayment is to be provided substantially through the sale of collateral, the Company reduces the fair value by the estimated costs to sell. Loans experiencing financial difficulty for which a concession has not yet been provided may be identified as reasonably expected TDRs. Reasonably expected TDRs and TDRs use the same methodology. In cases where the expected credit loss can only be captured through a discounted cash flow analysis (such as an interest rate modification for a TDR loan), the allowance is measured by the amount which the loan’s amortized cost exceeds the discounted cash flow analysis. The Company performed qualitative evaluations within the Company's established qualitative framework, weighting the impact of the current economic outlook, status of federal government stimulus programs, and other considerations, in order to identify specific industries or borrowers seeing credit improvement or deterioration specific to the COVID-19 pandemic. The decrease in estimated required reserve during the year ended December 31, 2021 was a result of improving macroeconomic variables incorporated into the Company's reasonable and supportable forecasts when compared to both December 31, 2021 and 2020. The following provide the changes in the allowance for credit losses by class of financing receivable for the years ended December 31, 2021, 2020, and 2019: Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2021 Beginning balance - December 31, 2020 $ 14,748 $ 58,477 $ 19,220 $ 10,534 $ 7,174 $ 4,849 $ 44,147 $ 11,240 $ 170,389 Provision for credit losses 4,178 (29,874) (87) (4,728) (197) 7,588 (16,813) 938 (38,995) Recoveries of loans previously charged-off 861 3 125 115 — 156 — 773 2,033 Loans charged off (4,036) (30) (154) (18) (1) — (1,566) (2,063) (7,868) Ending balance - December 31, 2021 $ 15,751 $ 28,576 $ 19,104 $ 5,903 $ 6,976 $ 12,593 $ 25,768 $ 10,888 $ 125,559 Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2020 Beginning balance - December 31, 2019 $ 4,805 $ 10,194 $ 3,112 $ 752 $ 544 $ 4,109 $ 4,621 $ 3,002 $ 31,139 Impact of adopting ASC 326 on non-purchased credit deteriorated loans 5,300 1,533 7,920 3,461 340 1,879 6,822 3,633 30,888 Impact of adopting ASC 326 on purchased credit deteriorated loans 82 150 421 (3) — 162 184 (438) 558 Provision for credit losses 13,830 40,807 6,408 5,649 5,506 (1,739) 17,789 6,356 94,606 Recoveries of loans previously charged-off 1,712 205 122 125 — 83 — 756 3,003 Loans charged off (11,735) (18) (403) (22) — (304) (711) (2,112) (15,305) Initial allowance on loans purchased with deteriorated credit quality 754 5,606 1,640 572 784 659 15,442 43 25,500 Ending balance - $ 14,748 $ 58,477 $ 19,220 $ 10,534 $ 7,174 $ 4,849 $ 44,147 $ 11,240 $ 170,389 Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2019 Beginning balance - $ 5,348 $ 9,729 $ 3,428 $ 811 $ 566 $ 3,132 $ 4,149 $ 1,769 $ 28,932 Provision for loan losses 2,251 454 (175) 112 (22) 869 484 3,080 7,053 Recoveries of loans 136 11 79 138 — 108 — 634 1,106 Loans charged off (2,930) — (220) (309) — — (12) (2,481) (5,952) Ending balance - $ 4,805 $ 10,194 $ 3,112 $ 752 $ 544 $ 4,109 $ 4,621 $ 3,002 $ 31,139 Credit Quality The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans that share similar risk characteristics collectively. Loans that do not share similar risk characteristics are evaluated individually. The Company uses the following definitions for risk ratings: Pass. Loans rated Pass include those that are adequately collateralized performing loans which management believes do not have conditions that have occurred or may occur that would result in the loan being downgraded into an inferior category. The Pass category also includes loans rated as Watch, which include those that management believes have conditions that have occurred, or may occur, which could result in the loan being downgraded to an inferior category. Special Mention. Loans rated Special Mention are those that have potential weakness that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Management does not believe there will be a loss of principal or interest. These loans require intensive servicing and may possess more than normal credit risk. Classified. Loans included in the Classified category include loans rated as Substandard and Doubtful. Loans rated as Substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Also included in this category are loans classified as Doubtful, which have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weakness or weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable. The total amortized cost of loans rated as Doubtful were insignificant for all periods presented. Risk ratings are updated on an ongoing basis and are subject to change by continuous loan monitoring processes. The following tables present the credit quality of our loan portfolio by year of origination as of December 31, 2021 and 2020. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 273,232 $ 95,279 $ 140,938 $ 52,162 $ 33,997 $ 57,020 $ 596,667 $ 1,249,295 Special Mention 79 9 949 632 3 1,519 12,367 15,558 Classified 918 2,391 2,376 3,089 3,370 6,425 7,143 25,712 Total 274,229 97,679 144,263 55,883 37,370 64,964 616,177 1,290,565 Construction Pass 677,258 280,828 135,768 23,916 15,313 67,818 117,176 1,318,077 Special Mention 62 184 — — 1,208 1,384 — 2,838 Classified — — 2,922 2,882 3 737 200 6,744 Total 677,320 281,012 138,690 26,798 16,524 69,939 117,376 1,327,659 Residential real estate: 1-to-4 family mortgage Pass 519,946 202,299 119,915 99,479 107,214 194,088 — 1,242,941 Special Mention 736 1,423 877 406 1,166 1,609 — 6,217 Classified 2,083 4,703 1,960 2,707 2,472 7,384 — 21,309 Total 522,765 208,425 122,752 102,592 110,852 203,081 — 1,270,467 Residential line of credit Pass — — — — — — 377,989 377,989 Special Mention — — — — — — 343 343 Classified — — — — — — 4,707 4,707 Total — — — — — — 383,039 383,039 Multi-family mortgage Pass 166,576 32,242 64,345 7,124 5,602 38,526 10,891 325,306 Special Mention — — — — — — — — Classified — — — — — 1,245 — 1,245 Total 166,576 32,242 64,345 7,124 5,602 39,771 10,891 326,551 Commercial real estate: Owner occupied Pass 170,773 131,471 174,257 83,698 69,939 236,998 57,123 924,259 Special Mention — — 1,502 3,541 885 2,555 213 8,696 Classified — — 3,102 768 3,295 9,616 1,846 18,627 Total 170,773 131,471 178,861 88,007 74,119 249,169 59,182 951,582 Non-owner occupied Pass 462,478 154,048 165,917 264,855 170,602 414,859 46,541 1,679,300 Special Mention — — 3,747 3,388 — 969 — 8,104 Classified — — 1,898 23,849 1,506 15,508 — 42,761 Total 462,478 154,048 171,562 292,092 172,108 431,336 46,541 1,730,165 As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Total Consumer and other loans Pass 83,022 55,343 38,495 33,257 21,756 73,016 14,089 318,978 Special Mention — — 9 — — 311 — 320 Classified 87 125 322 988 961 2,417 436 5,336 Total 83,109 55,468 38,826 34,245 22,717 75,744 14,525 324,634 Total Loans Pass 2,353,285 951,510 839,635 564,491 424,423 1,082,325 1,220,476 7,436,145 Special Mention 877 1,616 7,084 7,967 3,262 8,347 12,923 42,076 Classified 3,088 7,219 12,580 34,283 11,607 43,332 14,332 126,441 Total $ 2,357,250 $ 960,345 $ 859,299 $ 606,741 $ 439,292 $ 1,134,004 $ 1,247,731 $ 7,604,662 As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 339,074 $ 185,636 $ 70,549 $ 59,917 $ 37,573 $ 42,685 $ 540,960 $ 1,276,394 Special Mention 231 824 561 445 915 2,580 24,826 30,382 Classified 2,501 2,688 11,227 4,425 6,582 1,277 10,646 39,346 Total 341,806 189,148 82,337 64,787 45,070 46,542 576,432 1,346,122 Construction Pass 461,715 390,443 86,490 52,942 40,907 62,890 112,004 1,207,391 Special Mention 469 1,485 2,197 1,221 729 13 — 6,114 Classified 573 1,755 3,178 141 — 3,068 — 8,715 Total 462,757 393,683 91,865 54,304 41,636 65,971 112,004 1,222,220 Residential real estate: 1-to-4 family mortgage Pass 283,107 176,711 164,499 157,731 111,194 162,051 — 1,055,293 Special Mention 1,423 1,829 1,209 753 721 3,865 — 9,800 Classified 448 1,428 3,806 5,473 3,622 9,400 — 24,177 Total 284,978 179,968 169,514 163,957 115,537 175,316 — 1,089,270 Residential line of credit Pass — — — — — — 400,206 400,206 Special Mention — — — — — — 2,653 2,653 Classified — — — — — — 5,352 5,352 Total — — — — — — 408,211 408,211 Multi-family mortgage Pass 29,006 13,446 11,843 46,561 28,330 35,339 11,094 175,619 Special Mention — — — — — — — — Classified — — — — — 57 — 57 Total 29,006 13,446 11,843 46,561 28,330 35,396 11,094 175,676 Commercial real estate: Owner occupied Pass 140,904 179,500 97,577 94,659 76,539 224,108 53,451 866,738 Special Mention 967 1,356 4,251 16,173 6,101 2,466 230 31,544 Classified 44 1,785 2,423 6,074 274 11,226 4,733 26,559 Total 141,915 182,641 104,251 116,906 82,914 237,800 58,414 924,841 Non-owner occupied Pass 166,962 229,442 342,640 221,149 290,163 272,184 38,820 1,561,360 Special Mention — 1,500 6,672 — 207 8,445 — 16,824 Classified — 2,210 1,502 — — 17,083 — 20,795 Total 166,962 233,152 350,814 221,149 290,370 297,712 38,820 1,598,979 Consumer and other loans Pass 89,625 52,839 39,725 27,201 43,503 37,673 14,817 305,383 Special Mention 281 797 1,588 468 526 1,364 11 5,035 Classified 151 565 1,434 1,161 935 2,308 668 7,222 Total 90,057 54,201 42,747 28,830 44,964 41,345 15,496 317,640 As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Total Total Loans Pass 1,510,393 1,228,017 813,323 660,160 628,209 836,930 1,171,352 6,848,384 Special Mention 3,371 7,791 16,478 19,060 9,199 18,733 27,720 102,352 Classified 3,717 10,431 23,570 17,274 11,413 44,419 21,399 132,223 Total $ 1,517,481 $ 1,246,239 $ 853,371 $ 696,494 $ 648,821 $ 900,082 $ 1,220,471 $ 7,082,959 Nonaccrual and Past Due Loans Nonperforming loans include loans that are no longer accruing interest (nonaccrual loans) and loans past due ninety or more days and still accruing interest. The following tables represent an analysis of the aging by class of financing receivable as of December 31, 2021 and 2020: December 31, 2021 30-89 days 90 days or Non-accrual Loans current Total Commercial and industrial $ 1,030 $ 63 $ 1,520 $ 1,287,952 $ 1,290,565 Construction 4,852 718 3,622 1,318,467 1,327,659 Residential real estate: 1-to-4 family mortgage 11,007 9,363 4,593 1,245,504 1,270,467 Residential line of credit 319 — 1,736 380,984 383,039 Multi-family mortgage — — 49 326,502 326,551 Commercial real estate: Owner occupied 1,417 — 6,710 943,455 951,582 Non-owner occupied 427 — 14,084 1,715,654 1,730,165 Consumer and other 7,398 1,591 3,254 312,391 324,634 Total $ 26,450 $ 11,735 $ 35,568 $ 7,530,909 $ 7,604,662 December 31, 2020 30-89 days 90 days or Non-accrual Loans current on payments and accruing interest Total Commercial and industrial $ 3,297 $ 330 $ 16,005 $ 1,326,490 $ 1,346,122 Construction 7,607 573 4,053 1,209,987 1,222,220 Residential real estate: 1-to-4 family mortgage 7,058 10,470 5,923 1,065,819 1,089,270 Residential line of credit 3,551 239 1,757 402,664 408,211 Multi-family mortgage — 57 — 175,619 175,676 Commercial real estate: Owner occupied 98 — 7,948 916,795 924,841 Non-owner occupied 915 — 12,471 1,585,593 1,598,979 Consumer and other 4,469 2,027 2,603 308,541 317,640 Total $ 26,995 $ 13,696 $ 50,760 $ 6,991,508 $ 7,082,959 The following tables provide the amortized cost basis of loans on non-accrual status, as well as any related allowance and interest income as of and for the year ended December 31, 2021 and 2020 by class of financing receivable. December 31, 2021 Non-accrual Non-accrual Related Year to date Interest Income Commercial and industrial $ 1,085 $ 435 $ 6 $ 1,371 Construction 2,882 740 99 156 Residential real estate: 1-to-4 family mortgage 378 4,215 60 314 Residential line of credit 797 939 11 289 Multi-family mortgage — 49 2 3 Commercial real estate: Owner occupied 5,346 1,364 206 536 Non-owner occupied 13,898 186 7 486 Consumer and other — 3,254 164 245 Total $ 24,386 $ 11,182 $ 555 $ 3,400 December 31, 2020 Non-accrual Non-accrual Related Year to date Interest Income Commercial and industrial $ 13,960 $ 2,045 $ 383 $ 325 Construction 3,061 992 131 69 Residential real estate: 1-to-4 family mortgage 3,048 2,875 84 22 Residential line of credit 854 903 31 72 Commercial real estate: Owner occupied 7,172 776 63 89 Non-owner occupied 4,566 7,905 1,711 215 Consumer and other — 2,603 147 24 Total $ 32,661 $ 18,099 $ 2,550 $ 816 Accrued interest receivable written off as an adjustment to interest income amounted to $804 and $627 for the years ended December 31, 2021 and 2020, respectively. Troubled debt restructurings As of December 31, 2021 and 2020, the Company had a recorded investment in TDRs of $32,435 and $15,988, respectively. The modifications included extensions of the maturity date and/or a stated rate of interest to one lower than the current market rate to borrowers experiencing financial difficulty. Of these loans, $11,084 and $8,279 were classified as non-accrual loans as of December 31, 2021 and 2020, respectively. The Company has calculated $1,245 and $310 in allowances for credit losses on TDRs as of December 31, 2021 and 2020, respectively. There were no significant unfunded loan commitments to extend additional funds on troubled debt restructurings as of December 31, 2021 or 2020. The following tables present the financial effect of TDRs recorded during the periods indicated. Year Ended December 31, 2021 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 8 $ 15,430 $ 15,430 $ 446 Commercial real estate: Owner occupied 7 5,209 5,209 — Non-owner occupied 1 11,997 11,997 — Residential real estate: 1-to-4 family mortgage 3 945 945 — Residential line of credit 3 485 485 — Multi-family mortgage 1 49 49 — Total 23 $ 34,115 $ 34,115 $ 446 Year Ended December 31, 2020 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 5 $ 2,257 $ 2,257 $ — Commercial real estate: Owner occupied 7 2,794 2,794 — Non-owner occupied 2 3,752 3,752 — Residential real estate: 1-4 family mortgage 3 618 618 — Residential line of credit 1 95 95 — Total 18 $ 9,516 $ 9,516 $ — Year Ended December 31, 2019 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 3 $ 3,204 $ 3,204 $ — Construction 2 1,085 1,085 — Commercial real estate: Owner occupied 2 1,494 1,495 — Non-owner occupied 1 1,366 1,366 106 Residential real estate: 1-4 family mortgage 2 175 175 — Residential line of credit 2 333 333 9 Total 12 $ 7,657 $ 7,658 $ 115 Troubled debt restructurings for which there was a payment default within twelve months following the modification totaled $304 during the year ended December 31, 2021. There were no loans modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the years ended December 31, 2020 or 2019. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy. The terms of certain other loans were modified during the years ended December 31, 2021, 2020, and 2019 that did not meet the definition of a TDR. The modification of these loans usually involve either a modification of the terms of a loan to borrowers who are not experiencing financial difficulties or an insignificant delay in payments. Collateral Dependent Loans For loans for which the repayment (based on the Company's assessment is expected to be provided substantially through the operation or sale of collateral and the borrower is experiencing financial difficulty, the following tables present the loans and the corresponding individually assessed allowance for credit losses by class of financing receivable. Significant changes in individually assessed reserves are due to changes in the valuation of the underlying collateral in addition to changes in accrual and past due status. December 31, 2021 Type of Collateral Real Estate Financial Assets and Equipment Total Individually assessed allowance for credit loss Commercial and industrial $ 799 $ 1,090 $ 1,889 $ — Construction 3,580 — 3,580 92 Residential real estate: 1-to-4 family mortgage 338 — 338 — Residential line of credit 1,400 — 1,400 10 Commercial real estate: Owner occupied 8,117 71 8,188 200 Non-owner occupied 13,899 — 13,899 — Consumer and other 25 — 25 1 Total $ 28,158 $ 1,161 $ 29,319 $ 303 December 31, 2020 Type of Collateral Real Estate Financial Assets and Equipment Total Individually assessed allowance for credit loss Commercial and industrial $ — $ 1,728 $ 1,728 $ 117 Construction 3,877 — 3,877 — Residential real estate: 1-to-4 family mortgage 226 — 226 — Residential line of credit 1,174 — 1,174 9 Commercial real estate: Owner occupied 3,391 — 3,391 30 Non-owner occupied 8,164 — 8,164 1,531 Total $ 16,832 $ 1,728 $ 18,560 $ 1,687 Deferral Program included in COVID-19 Relief The following table outlines the Company's recorded investment and percentage of loans held for investment by class of financing receivable for executed deferrals remaining on deferral status as of December 31, 2020, in connection with Company's COVID-19 relief programs. There were no such loans outstanding as of December 31, 2021. These deferrals typically ranged from sixty December 31, 2020 % of Loans Commercial and industrial $ 7,118 0.5 % Construction 1,918 0.2 % Residential real estate: 1-to-4 family mortgage 19,201 1.8 % Residential line of credit 204 — % Multi-family mortgage 3,305 1.9 % Commercial real estate: Owner occupied 19,815 2.1 % Non-owner occupied 139,590 8.7 % Consumer and other 11,366 3.6 % Total $ 202,517 2.9 % Impaired Loans The following disclosure is presented in accordance with GAAP in effect prior to the adoption of CECL. The Company has included this disclosure to address the year ended December 31, 2019 . Average recorded investment on impaired loans recognized in conformity with ASC 310 and interest income on a cash basis recognized during the year ended December 31, 2019, segregated by class, were as follows: December 31, 2019 Average recorded investment Interest income recognized (cash basis) With a related allowance recorded: Commercial and industrial $ 3,349 $ 474 Residential real estate: 1-to-4 family mortgage 205 13 Commercial real estate: Owner occupied 658 27 Non-owner occupied 6,196 109 Total $ 10,568 $ 624 With no related allowance recorded: Commercial and industrial $ 2,088 $ 201 Construction 1,641 167 Residential real estate: 1-to-4 family mortgage 963 68 Residential line of credit 252 1 Commercial real estate: Owner occupied 2,143 133 Non-owner occupied 1,049 — Consumer and other 61 5 Total $ 8,197 $ 575 Total impaired loans $ 18,765 $ 1,199 Purchased Credit Impaired Loans The following disclosure is presented in accordance with GAAP in effect prior to the adoption of CECL. The Company has included this disclosure to address the year ended December 31, 2019 . The following table presents changes in the value of the accretable yield for PCI loans for the year ended December 31, 2019. Year Ended December 31, 2019 Balance at the beginning of period $ (16,587) Additions through business combinations (1,167) Principal reductions and other reclassifications from nonaccretable difference 61 Accretion 7,003 Changes in expected cash flows (360) Balance at end of period $ (11,050) Interest income, through accretion of the difference between the recorded investment of the loans and the expected cash flows, was recognized on all PCI loans. Accretion of interest income amounting to $7,003 was recognized on PCI loans during the year ended December 31, 2019. This included both the contractual interest income recognized and the purchase accounting contribution through accretion of the liquidity discount for changes in estimated cash flows. The total purchase accounting contribution through accretion excluding contractual interest collected for all purchased loans was $8,556 for the year ended December 31, 2019.

Premises and equipment

Premises and equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and equipment	Premises and equipment: Premises and equipment and related accumulated depreciation as of December 31, 2021 and 2020, are as follows: 2021 2020 Land $ 33,151 $ 33,151 Premises 109,357 108,579 Furniture and fixtures 25,611 26,729 Leasehold improvements 18,531 18,429 Equipment 22,781 16,904 Construction in process 1,705 1,501 Finance lease 1,487 1,588 212,623 206,881 Less: accumulated depreciation and amortization (68,884) (61,766) Total Premises and Equipment $ 143,739 $ 145,115 Depreciation and amortization expense was $7,411, $7,009 and $5,110 for the years ended December 31, 2021, 2020 and 2019, respectively.

Other real estate owned

Other real estate owned	12 Months Ended
	Dec. 31, 2021
Real Estate [Abstract]
Other real estate owned	Other real estate owned The amount reported as other real estate owned includes property acquired through foreclosure in addition to excess facilities held for sale and is carried at fair value less estimated cost to sell the property. The following table summarizes the other real estate owned for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Balance at beginning of period $ 12,111 $ 18,939 $ 12,643 Transfers from loans 5,262 2,746 5,487 Transfers to premises and equipment — (841) 4,290 Proceeds from sale of other real estate (9,396) (6,937) (3,860) Gain on sale of other real estate owned 3,248 354 1,058 Loans provided for sales of other real (704) (305) (166) Write-downs and partial liquidations (744) (1,845) (513) Balance at end of period $ 9,777 $ 12,111 $ 18,939 Foreclosed residential real estate properties totaled $775 and $1,890 as of December 31, 2021 and 2020, respectively. At December 31, 2021, there were no investments in residential mortgage loans secured by residential real estate properties for which foreclosure proceedings are in process. The recorded investment in residential mortgage loans secured by residential real estate properties for which foreclosure proceedings are in process totaled $167 at December 31, 2020.

Goodwill and intangible assets

Goodwill and intangible assets	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and intangible assets	Goodwill and intangible assets: Goodwill Balance at December 31, 2019 $ 169,051 Addition from acquisition of Farmers National 6,319 Addition from acquisition of Franklin 67,191 Balance at December 31, 2020 $ 242,561 Balance at December 31, 2021 $ 242,561 Goodwill is tested annually, or more often if circumstances warrant, for impairment. Impairment exists when a reporting unit's carrying value exceeds its fair value. During the year ended December 31, 2021, the Company performed a qualitative assessment and determined it was more likely than not that the fair value of the reporting units exceeded its carrying value, including goodwill. As of December 31, 2020, the Company performed a quantitative assessment and determined it was more likely than not that the fair value of the reporting units exceeded its carrying value, including goodwill. As such, no impairment was recorded as of December 31, 2021 or 2020. See Note 2, "Mergers & Acquisitions" for information on the calculation of goodwill for each of our mergers and acquisitions. Core deposit and other intangibles include core deposit intangibles, customer base trust intangible and manufactured housing servicing intangible. The composition of core deposit and other intangibles as of December 31, 2021 and 2020 is as follows: Core deposit and other intangibles Gross Carrying Amount Accumulated Amortization Net Carrying Amount December 31, 2021 Core deposit intangible $ 59,835 $ (43,902) $ 15,933 Customer base trust intangible 1,600 (707) 893 Manufactured housing servicing intangible 1,088 (961) 127 Total core deposit and other intangibles $ 62,523 $ (45,570) $ 16,953 December 31, 2020 Core deposit intangible $ 59,835 $ (38,807) $ 21,028 Customer base trust intangible 1,600 (547) 1,053 Manufactured housing servicing intangible 1,088 (743) 345 Total core deposit and other intangibles $ 62,523 $ (40,097) $ 22,426 During the first quarter of 2020, the Company recorded $2,490 of core deposit intangibles resulting from the Farmers National acquisition, which is being amortized over a weighted average life of approximately 4 years. During the third quarter of 2020, the Company recorded $7,670 of core deposit intangibles resulting from the Franklin merger, which is being amortized over a weighted average life of approximately 4 years. The estimated aggregate future amortization expense of core deposit and other intangibles is as follows: 2022 $ 4,586 2023 3,658 2024 2,946 2025 2,306 2026 1,563 Thereafter 1,894 $ 16,953

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	Leases: As of December 31, 2021, the Company was the lessee in 52 operating leases and 1 finance lease of certain branch, mortgage and operations locations, of which 42 operating leases and 1 finance lease currently have remaining terms varying from greater than one year to 34 years. Leases with initial terms of less than one year are not recorded on the consolidated balance sheets. The Company also does not include equipment leases and leases in which the Company is the lessor on the consolidated balance sheets as these are insignificant. Many leases include one or more options to renew, with renewal terms that can extend the lease up to an additional 20 years or more. Certain lease agreements contain provisions to periodically adjust rental payments for inflation. Renewal options that management is reasonably certain to renew and fixed rent escalations are included in the right-of-use asset and lease liability. During the year ended December 31, 2020, the Company entered into a lease for a new corporate headquarters building located in downtown Nashville. The building is currently under construction and anticipated to be completed in late 2022. Upon commencement, the Company estimates recording a ROU asset and operating lease liability of approximately $29,000 and $30,000, respectively, in connection with this lease. Information related to the Company's leases is presented below as of December 31, 2021 and 2020: December 31, December 31, Classification 2021 2020 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 41,686 $ 49,537 Finance leases Premises and equipment, net 1,487 1,588 Total right-of-use assets $ 43,173 $ 51,125 Lease liabilities: Operating leases Operating lease liabilities $ 46,367 $ 55,187 Finance leases Borrowings 1,518 1,598 Total lease liabilities $ 47,885 $ 56,785 Weighted average remaining lease term (in years) - operating 12.4 12.2 Weighted average remaining lease term (in years) - finance 13.4 14.4 Weighted average discount rate - operating 2.73 % 2.65 % Weighted average discount rate - finance 1.76 % 1.76 % The components of total lease expense included in the consolidated statements of income were as follows: Year Ended December 31, Classification 2021 2020 2019 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 7,636 $ 6,228 $ 5,057 Short-term lease cost Occupancy and equipment 427 456 365 Variable lease cost Occupancy and equipment 1,003 602 682 Gain on lease modifications and Occupancy and equipment (805) — — Finance lease costs: Interest on lease liabilities Interest expense on borrowings 25 11 — Amortization of right-of-use asset Occupancy and equipment 101 43 — Lease impairment Merger costs — 2,142 — Total lease cost $ 8,387 $ 9,482 $ 6,104 During the year ended December 31, 2021, the Company recorded $805 in gains on lease modifications and terminations on certain vacated locations that were consolidated as a result of previous acquisitions. The Company does not separate lease and non-lease components and instead elects to account for them as a single lease component. Variable lease cost primarily represents variable payments such as common area maintenance, utilities, and property taxes. A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to the total lease liability as of December 31, 2021 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2022 $ 7,245 $ 116 December 31, 2023 5,763 118 December 31, 2024 5,019 120 December 31, 2025 4,760 121 December 31, 2026 4,635 123 Thereafter 28,461 1,102 Total undiscounted future minimum lease payments 55,883 1,700 Less: imputed interest (9,516) (182) Lease liability $ 46,367 $ 1,518
Leases	Leases: As of December 31, 2021, the Company was the lessee in 52 operating leases and 1 finance lease of certain branch, mortgage and operations locations, of which 42 operating leases and 1 finance lease currently have remaining terms varying from greater than one year to 34 years. Leases with initial terms of less than one year are not recorded on the consolidated balance sheets. The Company also does not include equipment leases and leases in which the Company is the lessor on the consolidated balance sheets as these are insignificant. Many leases include one or more options to renew, with renewal terms that can extend the lease up to an additional 20 years or more. Certain lease agreements contain provisions to periodically adjust rental payments for inflation. Renewal options that management is reasonably certain to renew and fixed rent escalations are included in the right-of-use asset and lease liability. During the year ended December 31, 2020, the Company entered into a lease for a new corporate headquarters building located in downtown Nashville. The building is currently under construction and anticipated to be completed in late 2022. Upon commencement, the Company estimates recording a ROU asset and operating lease liability of approximately $29,000 and $30,000, respectively, in connection with this lease. Information related to the Company's leases is presented below as of December 31, 2021 and 2020: December 31, December 31, Classification 2021 2020 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 41,686 $ 49,537 Finance leases Premises and equipment, net 1,487 1,588 Total right-of-use assets $ 43,173 $ 51,125 Lease liabilities: Operating leases Operating lease liabilities $ 46,367 $ 55,187 Finance leases Borrowings 1,518 1,598 Total lease liabilities $ 47,885 $ 56,785 Weighted average remaining lease term (in years) - operating 12.4 12.2 Weighted average remaining lease term (in years) - finance 13.4 14.4 Weighted average discount rate - operating 2.73 % 2.65 % Weighted average discount rate - finance 1.76 % 1.76 % The components of total lease expense included in the consolidated statements of income were as follows: Year Ended December 31, Classification 2021 2020 2019 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 7,636 $ 6,228 $ 5,057 Short-term lease cost Occupancy and equipment 427 456 365 Variable lease cost Occupancy and equipment 1,003 602 682 Gain on lease modifications and Occupancy and equipment (805) — — Finance lease costs: Interest on lease liabilities Interest expense on borrowings 25 11 — Amortization of right-of-use asset Occupancy and equipment 101 43 — Lease impairment Merger costs — 2,142 — Total lease cost $ 8,387 $ 9,482 $ 6,104 During the year ended December 31, 2021, the Company recorded $805 in gains on lease modifications and terminations on certain vacated locations that were consolidated as a result of previous acquisitions. The Company does not separate lease and non-lease components and instead elects to account for them as a single lease component. Variable lease cost primarily represents variable payments such as common area maintenance, utilities, and property taxes. A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to the total lease liability as of December 31, 2021 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2022 $ 7,245 $ 116 December 31, 2023 5,763 118 December 31, 2024 5,019 120 December 31, 2025 4,760 121 December 31, 2026 4,635 123 Thereafter 28,461 1,102 Total undiscounted future minimum lease payments 55,883 1,700 Less: imputed interest (9,516) (182) Lease liability $ 46,367 $ 1,518

Mortgage servicing rights

Mortgage servicing rights	12 Months Ended
	Dec. 31, 2021
Transfers and Servicing of Financial Assets [Abstract]
Mortgage servicing rights	Mortgage servicing rights: Changes in the Company’s mortgage servicing rights were as follows for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Carrying value at beginning of period $ 79,997 $ 75,521 $ 88,829 Capitalization 39,018 47,025 42,151 Mortgage servicing rights acquired from Franklin, at fair — 5,111 — Sales — — (29,160) Change in fair value: Due to pay-offs/pay-downs (30,583) (27,834) (16,350) Due to change in valuation inputs or assumptions 27,080 (19,826) (9,949) Carrying value at end of period $ 115,512 $ 79,997 $ 75,521 The following table summarizes servicing income and expense, which are included in 'Mortgage banking income' and 'Other noninterest expense', respectively, within the Mortgage segment operating results for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Servicing income: Servicing income $ 28,890 $ 22,128 $ 17,677 Change in fair value of mortgage servicing rights (3,503) (47,660) (26,299) Change in fair value of derivative hedging instruments (8,614) 13,286 9,310 Servicing income (loss) 16,773 (12,246) 688 Servicing expenses 9,862 7,890 6,832 Net servicing income (loss) (1) $ 6,911 $ (20,136) $ (6,144) (1) Excludes benefit of custodial servicing related noninterest-bearing deposits held by the Bank. Data and key economic assumptions related to the Company’s mortgage servicing rights as of December 31, 2021 and 2020 are as follows: December 31, 2021 2020 Unpaid principal balance $ 10,759,286 $ 9,787,657 Weighted-average prepayment speed (CPR) 9.31 % 14.07 % Estimated impact on fair value of a 10% increase $ (4,905) $ (4,493) Estimated impact on fair value of a 20% increase $ (9,429) $ (8,599) Discount rate 9.81 % 11.49 % Estimated impact on fair value of a 100 bp increase $ (4,785) $ (2,942) Estimated impact on fair value of a 200 bp increase $ (9,198) $ (5,674) Weighted-average coupon interest rate 3.23 % 3.58 % Weighted-average servicing fee (basis points) 27 28 Weighted-average remaining maturity (in months) 330 328 The Company hedges the mortgage servicing rights portfolio with various derivative instruments to offset changes in the fair value of the related mortgage servicing rights. See Note 17, "Derivatives" for additional information on these hedging instruments. As of December 31, 2021 and 2020, mortgage escrow deposits totaled to $127,617 and $147,957, respectively.

Other assets and other liabilit

Other assets and other liabilities	12 Months Ended
	Dec. 31, 2021
Other Assets And Other Liabilities [Abstract]
Other assets and other liabilities	Other assets and other liabilities: Included in other assets are: As of December 31, Other assets 2021 2020 Prepaid expenses $ 12,371 $ 7,332 Software 578 1,147 Mortgage lending receivable 12,078 14,100 Derivatives (See Note 17) 27,384 68,938 Deferred tax asset (See Note 14) — 16,396 FHLB lender risk account receivable (See Note 1) 17,130 12,729 Pledged collateral on derivative instruments 57,868 57,985 Other assets 44,827 23,512 Total other assets $ 172,236 $ 202,139 Included in other liabilities are: As of December 31, Other liabilities 2021 2020 Deferred compensation $ 2,173 $ 2,581 Accrued payroll 22,138 35,827 Mortgage buyback reserve 4,802 5,928 Accrued interest 3,162 6,772 Derivatives (See Note 17) 21,000 48,242 Deferred tax liability (See Note 14) 6,820 — FHLB lender risk account guaranty 8,372 6,183 Reserve for unfunded commitments 14,380 16,378 Other liabilities 27,102 42,489 Total other liabilities $ 109,949 $ 164,400

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	Deposits: The aggregate amount of time deposits with a minimum denomination greater than $250 was $303,289 and $425,227 at December 31, 2021 and 2020, respectively. At December 31, 2021, the scheduled maturities of time deposits are as follows: Scheduled maturities of time deposits Due on or before: December 31, 2022 $ 812,377 December 31, 2023 211,512 December 31, 2024 58,449 December 31, 2025 22,217 December 31, 2026 26,474 Thereafter 52 Total $ 1,131,081 As of December 31, 2021 and 2020, the Company had $2,574 and $2,965, respectively, of deposit accounts in overdraft status and thus have been reclassified to loans on the accompanying consolidated balance sheets.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Borrowings	Borrowings: Borrowings include securities sold under agreements to repurchase, lines of credit, and subordinated debt. Outstanding Balance Weighted Average Interest Rate December 31, December 31, 2021 2020 2021 2020 Securities sold under agreements to repurchase $ 40,716 $ 32,199 0.21 % 0.47 % Subordinated debt 129,544 189,527 4.24 % 5.10 % Other borrowings 1,518 16,598 1.76 % 1.88 % Total $ 171,778 $ 238,324 Securities sold under agreements to repurchase and federal funds purchased Securities sold under agreements to repurchase are financing arrangements that mature daily. The Company enters into agreements with certain customers to sell certain securities under agreements to repurchase the securities the following day. These agreements are made to provide customers with comprehensive treasury management programs and a short-term return for their excess funds. Information concerning securities sold under agreement to repurchase is summarized as follows: December 31, 2021 December 31, 2020 Balance at year end $ 40,716 $ 32,199 Average daily balance during the year 36,453 32,912 Average interest rate during the year 0.27 % 0.61 % Maximum month-end balance during the year $ 41,730 $ 40,282 Weighted average interest rate at year-end 0.21 % 0.47 % The fair value of securities pledged to secure repurchase agreements may decline. The Company manages this risk by having a policy to pledge securities valued at 100% of the outstanding balance of repurchase agreements. The Bank maintains lines with certain correspondent banks that provide borrowing capacity in the form of federal funds purchased in the aggregate amount of $325,000 and $335,000 as of December 31, 2021 and 2020, respectively. There were no borrowings against these available lines at December 31, 2021 or 2020. Federal Home Loan Bank Advances As a member of the FHLB Cincinnati, the Bank receives advances from the FHLB pursuant to the terms of various agreements that assist in funding its mortgage and loan portfolio production. Under these agreements, the Company pledged qualifying loans of $2,717,967 as collateral securing a line of credit with a total borrowing capacity of $1,233,254 as of December 31, 2021. As of December 31, 2020, the Company pledged qualifying loans of $2,781,606 as collateral securing a line of credit with a total borrowing capacity of $1,276,095. There were no borrowings against the Company's line as of December 31, 2021 or 2020. As of December 31, 2020, letters of credit in the amount of $100,000 were pledged to secure public funds that require collateralization. There were no such pledges as of December 31, 2021. Additionally, there was an additional line of $800,000 available with the FHLB for overnight borrowings as of both December 31, 2021 and 2020; however additional collateral may be needed to draw on the line. The Company maintained a line with the Federal Reserve Bank through the Borrower-in-Custody program in 2021 and 2020. As of December 31, 2021 and 2020, $2,440,097 and $2,463,281 of qualifying loans were pledged to the Federal Reserve Bank through the Borrower-in-Custody program securing a line of credit of $1,741,192 and $1,695,639, respectively. Subordinated Debt In 2003, two separate trusts formed by the Company issued $9,000 of floating rate trust preferred securities (“Trust I”) and $21,000 of floating rate trust preferred securities (“Trust II”), respectively, as part of a pooled offering of such securities. The Company issued junior subordinated debentures of $9,280, which included proceeds of common securities purchased by the Company of $280, and junior subordinated debentures of $21,650, which included proceeds of common securities of $650. Both issuances were to the trusts in exchange for the proceeds of the securities offerings, which represent the sole asset of the trusts. Trust I pays interest quarterly based upon the 3-month LIBOR plus 3.25%. Trust II pays interest quarterly based upon the 3-month LIBOR plus 3.15%. Rates for the two issues at December 31, 2021, were 3.47% and 3.37%, respectively. Rates for the two issues at December 31, 2020, were 3.50% and 3.40%, respectively. The Company may redeem the first junior subordinated debenture listed, in whole or in part, on any distribution payment date within 120 days of the occurrence of a special event, at the redemption price. The Company may redeem the second junior subordinated debentures listed, in whole or in part, any time after June 26, 2008, on any distribution payment date, at the redemption price. The junior subordinated debentures must be redeemed no later than 2033. The Company has classified $30,000 of subordinated debt as Tier 1 capital as of both December 31, 2021 and 2020. Additionally, during the year ended December 31, 2020, the Company placed $100,000 of ten year fixed-to-floating rate subordinated notes, maturing September 1, 2030. This subordinated note instrument pays interest semi-annually in arrears based on a 4.5% fixed annual interest rate for the first five years of the notes. For years six ten During the year ended December 31, 2020, the Company also assumed two issues of subordinated debt, totaling $60,000, as part of the Franklin merger. The notes, issued in 2016, feature $40,000 of 6.875% fixed-to-floating rate subordinated notes due March 30, 2026 ("March 2026 Subordinated Notes"), and $20,000 of 7% fixed-to-floating rate subordinated notes due July 1, 2026 ("July 2026 Subordinated Notes"). During the year ended December 31, 2021, the Company redeemed both notes in full. As of December 31, 2020, the Company classified the balance of $60,369, which includes an interest rate premium of $369, as Tier 2 capital. Other Borrowings During the year ended December 31, 2020, the Company initiated a credit line in the amount of $20,000 (1.75% + 1 month LIBOR in effect 2 business days prior to reprice date) and borrowed $15,000 against the line to fund the cash consideration paid in connection with the Farmers National transaction. As of December 31, 2020, an additional $5,000 was available for the Company to draw. This line of credit had a term of one year and matured on February 21, 2021. Also included in other borrowings, was the Company's finance lease liability discussed at Note 9, "Leases", which totaled $ 1,518 1,598

Income taxes

Income taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income taxes	Income taxes: An allocation of federal and state income taxes between current and deferred portions is presented below: Year Ended December 31, 2021 2020 2019 Current $ 21,980 $ 44,362 $ 27,641 Deferred 30,770 (25,530) (1,916) Total $ 52,750 $ 18,832 $ 25,725 The following table presents a reconciliation of federal income taxes at the statutory federal rate of 21% to the Company's effective tax rates for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Federal taxes calculated at statutory rate $ 51,041 21.0 % $ 17,317 21.0 % $ 23,003 21.0 % Increase (decrease) resulting from: State taxes, net of federal benefit 8,788 3.5 % 3,197 3.8 % 4,792 4.4 % (Benefit) expense from equity based compensation (2,719) (1.1) % 153 0.2 % (1,353) (1.2) % Municipal interest income, net of interest (1,818) (0.8) % (1,507) (1.8) % (908) (0.8) % Bank-owned life insurance (324) (0.1) % (327) (0.4) % (51) (0.1) % NOL Carryback provision under CARES Act (3,424) (1.4) % — — % — — % Merger and offering costs 123 0.1 % 289 0.4 % 66 0.1 % Section 162(m) limitation 1,381 0.6 % — — % — — % Other (298) (0.1) % (290) (0.4) % 176 0.1 % Income tax expense, as reported $ 52,750 21.7 % $ 18,832 22.8 % $ 25,725 23.5 % The Company is subject to Internal Revenue Code Section 162(m), which limits the deductibility of compensation paid to certain individuals. The restricted stock unit plans that existed prior to the corporation being public vested after the reliance period as defined in the underlying Treasury Regulations. It is the Company’s policy to apply the Section 162(m) limitations to stock-based compensation first and then followed by cash compensation. As a result of the vesting of these units and cash compensation paid to date, the Company has disallowed a portion of its compensation paid to the applicable individuals. The components of the net deferred tax (liabilities) assets at December 31, 2021 and 2020, are as follows: December 31, 2021 2020 Deferred tax assets: Allowance for credit losses $ 35,233 $ 48,409 Operating lease liabilities 12,478 14,496 Federal net operating loss 1,370 1,753 Deferred compensation 5,484 8,872 Unrealized loss on cash flow hedges 205 499 Other assets 8,301 19,101 Subtotal 63,071 93,130 Deferred tax liabilities: FHLB stock dividends $ (484) $ (561) Operating leases - right of use assets (11,287) (13,197) Depreciation (7,938) (7,491) Amortization of core deposit intangibles (116) (684) Unrealized gain on equity securities (2,407) (17) Unrealized gain on debt securities (1,324) (13,027) Mortgage servicing rights (30,098) (20,803) Goodwill (13,743) (11,301) Other liabilities (2,494) (9,653) Subtotal (69,891) (76,734) Net deferred tax (liabilities) assets $ (6,820) $ 16,396 The Company has net operating loss carryforward acquired from Franklin of $6,523 as of December 31, 2021. The net operating loss carryforward can be used to offset taxable income in future periods and reduce income tax liabilities in those future periods. While net operating losses are subject to certain annual utilization limits under Section 382, the Company believes the net operating loss carryforward will be realized based on the projected annual limitation and the length of the net operating loss carryover period. The Company's determination of the realization of the net deferred tax asset is based on its assessment of all available positive and negative evidence. The net operating loss carryforward expires on December 31, 2029.

Dividend restrictions

Dividend restrictions	12 Months Ended
	Dec. 31, 2021
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Dividend restrictions	Dividend restrictions: Due to regulations of the Tennessee Department of Financial Institutions, the Bank may not declare dividends in any calendar year that exceeds the total of its net income of that year combined with its retained net income of the preceding two years without the prior approval of the TDFI Commissioner. Based upon this regulation, $170,769 and $185,703 was available for payment of dividends without such prior approval as of December 31, 2021 and 2020, respectively. In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements. During the years ended December 31, 2021 and 2020, there were $122,500 and $48,750, respectively, in cash dividends declared from the Bank to the Company. Additionally, during the year ended December 31, 2020, the Bank also declared a noncash dividend to the Company comprising investment securities amounting to $956. There were no such noncash dividends from the Bank to the Company during the year ended December 31, 2021.

Commitments and contingencies

Commitments and contingencies	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments and contingencies	Commitments and contingencies: Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance sheet risk of credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. December 31, 2021 2020 Commitments to extend credit, excluding interest rate lock commitments $ 3,106,594 $ 2,719,996 Letters of credit 77,427 67,598 Balance at end of period $ 3,184,021 $ 2,787,594 As of December 31, 2021 and 2020, loan commitments included above with floating interest rates totaled $2.26 billion and $1.65 billion, respectively. The Company estimates expected credit losses on off-balance sheet loan commitments that are not accounted for as derivatives. On January 1, 2020, the Company began estimating expected credit losses under the CECL methodology. When applying this methodology, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions. The table below presents activity within the allowance for credit losses on unfunded commitments included in accrued expenses and other liabilities on the Company's consolidated balance sheets for the years ended December 31, 2021 and 2020: Year Ended December 31, 2021 2020 Balance at beginning of period $ 16,378 $ — Impact of CECL adoption on provision for credit losses on unfunded commitments — 2,947 Increase in provision for credit losses from unfunded commitments acquired in business combination — 10,499 Provision for credit losses on unfunded commitments (1,998) 2,932 Balance at end of period $ 14,380 $ 16,378 In connection with the sale of mortgage loans to third party investors, the Company makes usual and customary representations and warranties as to the propriety of its origination activities. Occasionally, the investors require the Company to repurchase loans sold to them under the terms of the warranties. When this happens, the loans are recorded at fair value with a corresponding charge to a valuation reserve. The total principal amount of loans repurchased (or indemnified for) was $7,364, $9,171 and $6,475 for the years ended December 31, 2021, 2020, and 2019, respectively. The Company has established a reserve associated with loan repurchases. The following table summarizes the activity in the repurchase reserve included in accrued expenses and other liabilities on the Company's consolidated balance sheets: Year Ended December 31, 2021 2020 2019 Balance at beginning of period $ 5,928 $ 3,529 $ 3,273 Provision for loan repurchases or indemnifications (766) 2,607 362 Losses on loans repurchased or indemnified (360) (208) (106) Balance at end of period $ 4,802 $ 5,928 $ 3,529

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives	Derivatives: The Company utilizes derivative financial instruments as part of its ongoing efforts to manage its interest rate risk exposure as well as the exposure for its customers. Derivative financial instruments are included in the consolidated balance sheets line item “Other assets” or “Other liabilities” at fair value in accordance with ASC 815, “Derivatives and Hedging.” The Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (rate-lock commitments). Under such commitments, interest rates for mortgage loans are typically locked in for between 45 to 90 days with the customer. These interest rate lock commitments are recorded at fair value in the Company’s consolidated balance sheets. The Company also enters into best effort or mandatory delivery forward commitments to sell residential mortgage loans to secondary market investors. Gains and losses arising from changes in the valuation of the rate-lock commitments and forward commitments are recognized currently in earnings and are reflected under the line item “Mortgage banking income” on the consolidated statements of income. The Company enters into forward commitments, futures and options contracts that are not designated as hedging instruments as economic hedges to offset the changes in fair value of Mortgage servicing rights. Gains and losses associated with these instruments are included in earnings and are reflected under the line item “Mortgage banking income” on the consolidated statements of income. Additionally, the Company enters into derivative instruments that are not designated as hedging instruments to help its commercial customers manage their exposure to interest rate fluctuations. To mitigate the interest rate risk associated with customer contracts, the Company enters into an offsetting derivative contract. The Company manages its credit risk, or potential risk of default by its commercial customers through credit limit approval and monitoring procedures. The Company also maintains two interest rate swap agreements with notional amounts totaling $30,000 used to hedge interest rate exposure on outstanding subordinated debentures included in long-term debt totaling $30,930. Under these agreements, the Company receives a variable rate of interest equal to 3-month LIBOR and pays a weighted average fixed rate of interest of 2.08%. Upon the cessation of LIBOR in June 2023, the rate will convert to SOFR plus an adjustment in accordance with market standards. The interest rate swap contracts, which mature in June of 2024, are designated as cash flow hedges with the objective of reducing the variability in cash flows resulting from changes in interest rates. As of December 31, 2021 and 2020, the fair value of these contracts resulted in liability balances of $785 and $1,909, respectively. In July 2017, the Company entered into three interest rate swap contracts to hedge the variability of cash flows associated with the Company’s FHLB borrowings. These swaps were canceled during the year ended December 31, 2018, locking in a tax-adjusted gain of $1,564 in other comprehensive income to be accreted over the terms of the underlying contracts. The advances associated with the legacy cash flow hedge matured during the year ended December 31, 2020, and the Company elected not to renew them. As such, during the year ended December 31, 2020, the remaining unamortized gain was reclassified from accumulated other comprehensive income to earnings. The following tables provide details on the Company’s derivative financial instruments as of the dates presented: December 31, 2021 Notional Amount Asset Liability Not designated as hedging: Interest rate contracts $ 600,048 $ 19,265 $ 19,138 Forward commitments 1,180,000 — 1,077 Interest rate-lock commitments 487,396 7,197 — Futures contracts 429,000 922 — Total $ 2,696,444 $ 27,384 $ 20,215 December 31, 2020 Notional Amount Asset Liability Not designated as hedging: Interest rate contracts $ 606,878 $ 34,547 $ 34,317 Forward commitments 1,358,328 — 11,633 Interest rate-lock commitments 1,191,621 34,391 — Futures contracts 375,400 — 383 Total $ 3,532,227 $ 68,938 $ 46,333 December 31, 2021 Notional Amount Asset Liability Designated as hedging: Interest rate swaps $ 30,000 $ — $ 785 December 31, 2020 Notional Amount Asset Liability Designated as hedging: Interest rate swaps $ 30,000 $ — $ 1,909 Gains (losses) included in the consolidated statements of income related to the Company’s derivative financial instruments were as follows: Year Ended December 31, 2021 2020 2019 Not designated as hedging instruments (included in mortgage banking income): Interest rate lock commitments $ (27,194) $ 27,339 $ (2,112) Forward commitments 25,661 (73,033) 12,170 Futures contracts (7,949) 8,151 (6,723) Option contracts — — (47) Total $ (9,482) $ (37,543) $ 3,288 Year Ended December 31, 2021 2020 2019 Designated as hedging: Amount of gain reclassified from other comprehensive income and recognized in interest expense on borrowings, net of tax expenses of $0, $337 and $170 $ — $ 955 $ 481 Loss included in interest expense on borrowings (577) (353) 115 Total $ (577) $ 602 $ 596 The following discloses the amount included in other comprehensive income, net of tax, for derivative instruments designated as cash flow hedges for the periods presented: Year Ended December 31, 2021 2020 2019 Designated as hedging: Amount of gain (loss) recognized in other comprehensive income, net of tax expense (benefit) $293, $(363) and $(322) $ 831 $ (1,031) $ (914) Certain financial instruments, including derivatives, may be eligible for offset in the consolidated balance sheets when the “right of offset” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements, however the Company has not elected to offset such financial instruments in the consolidated balance sheets. The following table presents the Company's gross derivative positions as recognized in the consolidated balance sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement: Offsetting Derivative Assets Offsetting Derivative Liabilities December 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Gross amounts recognized $ 4,990 $ 3,863 $ 15,733 $ 34,051 Gross amounts offset in the consolidated balance sheets — — — — Net amounts presented in the consolidated balance sheets 4,990 3,863 15,733 34,051 Gross amounts not offset in the consolidated balance sheets Less: financial instruments 4,297 857 4,297 857 Less: financial collateral pledged — — 11,436 33,194 Net amounts $ 693 $ 3,006 $ — $ — Most derivative contracts with clients are secured by collateral. Additionally, in accordance with the interest rate agreements with derivatives dealers, the Company may be required to post margin to these counterparties. At December 31, 2021 and 2020, the Company had minimum collateral posting thresholds with certain derivative counterparties and had collateral posted of $57,868 and $57,985, respectively, against its obligations under these agreements. Cash pledged as collateral on derivative contracts is recorded in other assets on the consolidated balance sheets.

Fair value of financial instrum

Fair value of financial instruments	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair value of financial instruments	Fair value of financial instruments:FASB ASC 820-10 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820-10 also establishes a framework for measuring the fair value of assets and liabilities according to a hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The hierarchy maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that the most observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the asset or liability based on the best information available under the circumstances. The hierarchy is broken down into the following three levels, based on the reliability of inputs: Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that are accessible at the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs for assets or liabilities that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the assets or liabilities. The Company records the fair values of financial assets and liabilities on a recurring and non-recurring basis using the following methods and assumptions: Investment Securities Investment securities are recorded at fair value on a recurring basis. Fair values for securities are based on quoted market prices, where available. If quoted prices are not available, fair values are based on quoted market prices of similar instruments or are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the pricing relationship or correlation among other benchmark quoted securities. Investment securities valued using quoted market prices of similar instruments or that are valued using matrix pricing are classified as Level 2. When significant inputs to the valuation are unobservable, the available-for-sale securities are classified within Level 3 of the fair value hierarchy. Where no active market exists for a security or other benchmark securities, fair value is estimated by the Company with reference to discount margins for other high-risk securities. Loans held for sale Loans held for sale are carried at fair value. Fair value is determined using current secondary market prices for loans with similar characteristics for the mortgage portfolio, that is, using Level 2 inputs. Commercial loans held for sale's fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, credit metrics and collateral value when appropriate. As such, these are considered Level 3. Derivatives The fair value of the Company's interest rate swaps are based upon fair values provided from entities that engage in interest rate swap activity and is based upon projected future cash flows and interest rates. Fair value of commitments is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. These financial instruments are classified as Level 2. OREO OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations and excess land and facilities held for sale. OREO acquired in settlement of indebtedness is recorded at the lower of the carrying amount of the loan or the fair value of the real estate less costs to sell. Fair value is determined on a nonrecurring basis based on appraisals by qualified licensed appraisers and is adjusted for management’s estimates of costs to sell and holding period discounts. The valuations are classified as Level 3. Mortgage servicing rights MSRs are carried at fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. As such, MSRs are considered Level 3. Collateral dependent loans Collateral dependent loans are loans for which, based on current information and events, the Company has determined foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral and it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Collateral dependent loans are classified as Level 3. The following table contains the estimated fair values and the related carrying values of the Company's financial instruments. Items which are not financial instruments are not included. Fair Value December 31, 2021 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,797,740 $ 1,797,740 $ — $ — $ 1,797,740 Investment securities 1,681,892 — 1,681,892 — 1,681,892 Loans, net 7,479,103 — — 7,566,717 7,566,717 Loans held for sale 752,223 — 672,924 79,299 752,223 Interest receivable 38,528 36 6,461 32,031 38,528 Mortgage servicing rights 115,512 — — 115,512 115,512 Derivatives 27,384 — 27,384 — 27,384 Financial liabilities: Deposits: Without stated maturities $ 9,705,816 $ 9,705,816 $ — $ — $ 9,705,816 With stated maturities 1,131,081 — 1,137,647 — 1,137,647 Securities sold under agreement to repurchase and federal funds sold 40,716 40,716 — — 40,716 Subordinated debt 129,544 — — 133,021 133,021 Interest payable 3,162 140 1,510 1,512 3,162 Derivatives 21,000 — 21,000 — 21,000 Fair Value December 31, 2020 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,317,898 $ 1,317,898 $ — $ — $ 1,317,898 Investment securities 1,176,991 — 1,176,991 — 1,176,991 Loans, net 6,912,570 — — 7,058,693 7,058,693 Loans held for sale 899,173 — 683,770 215,403 899,173 Interest receivable 43,603 33 5,254 38,316 43,603 Mortgage servicing rights 79,997 — — 79,997 79,997 Derivatives 68,938 — 68,938 — 68,938 Financial liabilities: Deposits: Without stated maturities $ 8,020,783 $ 8,020,783 $ — $ — $ 8,020,783 With stated maturities 1,437,254 — 1,446,605 — 1,446,605 Securities sold under agreement to repurchase and federal funds sold 32,199 32,199 — — 32,199 Subordinated debt 189,527 — — 192,149 192,149 Other borrowings 15,000 — 15,000 — 15,000 Interest payable 6,772 327 4,210 2,235 6,772 Derivatives 48,242 — 48,242 — 48,242 The balances and levels of the assets measured at fair value on a recurring basis at December 31, 2021 are presented in the following table: At December 31, 2021 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 33,870 $ — $ 33,870 Mortgage-backed securities - residential — 1,269,372 — 1,269,372 Mortgage-backed securities - commercial — 15,250 — 15,250 Municipal securities — 338,610 — 338,610 Treasury securities — 14,908 — 14,908 Corporate securities — 6,515 — 6,515 Equity securities — 3,367 — 3,367 Total securities $ — $ 1,681,892 $ — $ 1,681,892 Loans held for sale $ — $ 672,924 $ 79,299 $ 752,223 Mortgage servicing rights — — 115,512 115,512 Derivatives — 27,384 — 27,384 Financial Liabilities: Derivatives — 21,000 — 21,000 The balances and levels of the assets measured at fair value on a non-recurring basis at December 31, 2021 are presented in the following table: At December 31, 2021 Quoted prices Significant Significant unobservable Total Non-recurring valuations: Financial assets: Other real estate owned $ — $ — $ 6,308 $ 6,308 Collateral dependent loans: Construction $ — $ — $ 606 $ 606 Residential real estate: Residential line of credit — — 592 592 Commercial real estate: Owner occupied — — 729 729 Non-owner occupied — — 3,526 3,526 Consumer and other — — 24 24 Total collateral dependent loans $ — $ — $ 5,477 $ 5,477 The balances and levels of the assets measured at fair value on a recurring basis at December 31, 2020 are presented in the following table: At December 31, 2020 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 2,003 $ — $ 2,003 Mortgage-backed securities - residential — 773,336 — 773,336 Mortgage-backed securities - commercial — 21,588 — 21,588 Municipal securities — 356,329 — 356,329 Treasury securities — 16,628 — 16,628 Corporate securities — 2,516 — 2,516 Equity securities — 4,591 — 4,591 Total securities $ — $ 1,176,991 $ — $ 1,176,991 Loans held for sale $ — $ 683,770 $ 215,403 $ 899,173 Mortgage servicing rights — — 79,997 79,997 Derivatives — 68,938 — 68,938 Financial Liabilities: Derivatives — 48,242 — 48,242 The balances and levels of the assets measured at fair value on a non-recurring basis at December 31, 2020 are presented in the following table: At December 31, 2020 Quoted prices Significant Significant unobservable Total Non-recurring valuations: Financial assets: Other real estate owned $ — $ — $ 6,662 $ 6,662 Collateral dependent loans: Commercial and industrial $ — $ — $ 684 $ 684 Residential real estate: Residential line of credit — — 311 311 Commercial real estate: Owner occupied — — 136 136 Non-owner occupied — — 5,022 5,022 Total collateral dependent loans $ — $ — $ 6,153 $ 6,153 The following tables present information as of December 31, 2021 and 2020 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: As of December 31, 2021 Financial instrument Fair Value Valuation technique Significant Range of Collateral dependent loans $ 5,477 Valuation of collateral Discount for comparable sales 10%-35% Other real estate owned $ 6,308 Appraised value of property less costs to sell Discount for costs to sell 0%-15% As of December 31, 2020 Financial instrument Fair Value Valuation technique Significant Range of Collateral dependent loans $ 6,153 Valuation of collateral Discount for comparable sales 0%-30% Other real estate owned $ 6,662 Appraised value of property less costs to sell Discount for costs to sell 0%-15% For collateral dependent loans, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. Fair value of the loan's collateral is determined by third-party appraisals, which are then adjusted for estimated selling and closing costs related to liquidation of the collateral. Collateral dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on changes in market conditions from the time of valuation and management's knowledge of the borrower and borrower's business. As of December 31, 2021 and 2020, total amortized cost of collateral dependent loans measured on a non-recurring basis amounted to $2,255 and $7,839, respectively. Other real estate owned acquired in settlement of indebtedness is recorded at fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Any write-downs based on the asset's fair value at the date of foreclosure are charged to the allowance for credit losses. Appraisals for both collateral dependent loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the lending administrative department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry wide statistics. Collateral dependent loans that are dependent on recovery through sale of equipment, such as farm equipment, automobiles and aircrafts are generally valued based on public source pricing or subscription services while more complex assets are valued through leveraging brokers who have expertise in the collateral involved. Fair value option The following table summarizes the Company's loans held for sale, at fair value, as of the dates presented: December 31, 2021 2020 Commercial and industrial $ 79,299 $ 215,403 Residential real estate: 1-4 family mortgage 672,924 683,770 Total loans held for sale $ 752,223 $ 899,173 Mortgage loans held for sale The Company measures mortgage loans originated for sale at fair value under the fair value option as permitted under ASC 825, "Financial Instruments" ("ASC 825"). Electing to measure these assets at fair value reduces certain timing differences and more accurately matches the changes in fair value of the loans with changes in the fair value of derivative instruments used to economically hedge them. A net loss of $16,976 and a net gain $24,233 resulting from fair value changes of mortgage loans were recorded in income during the years ended December 31, 2021 and 2020, respectively. The amount does not reflect changes in fair values of related derivative instruments used to hedge exposure to market-related risks associated with these mortgage loans. The change in fair value of both loans held for sale and the related derivative instruments are recorded in Mortgage Banking Income in the consolidated statements of income. Election of the fair value option allows the Company to reduce the accounting volatility that would otherwise result from the asymmetry created by accounting for the financial instruments at the lower of cost or fair value and the derivatives at fair value. Government National Mortgage Association optional repurchase programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which the institution provides servicing and was the original transferor. At the servicer’s option and without GNMA’s prior authorization, the servicer may repurchase such a delinquent loan for an amount equal to 100 percent of the remaining principal balance of the loan. Under FASB ASC Topic 860, “Transfers and Servicing,” this buy-back option is considered a conditional option until the delinquency criteria are met, at which time the option becomes unconditional. When the Company is deemed to have regained effective control over these loans under the unconditional buy-back option, the loans can no longer be reported as sold and must be brought back onto the balance sheet, regardless of whether the Company intends to exercise the buy-back option if the buyback option provides the transferor a more-than-trivial benefit. As of December 31, 2021, and December 31, 2020, there were $94,648 and $151,184, respectively, of delinquent GNMA loans previously sold that the Company did not record on its consolidated balance sheets as the Company determined there not to be a more-than-trivial benefit based on an analysis of interest rates and an assessment of potential reputational risk associated with these loans. The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these mortgage loans held for sale, valuation adjustments attributable to instrument-specific credit risk is nominal. Commercial loans held for sale The Company also has a portfolio of shared national credits and institutional healthcare loans that were acquired during 2020 in the acquisition of Franklin. These commercial loans are also being measured under the fair value option. As such, these loans are excluded from the allowance for credit losses. The following table sets forth the changes in fair value associated with this portfolio. Year Ended December 31, 2021 Principal Balance Fair Value Discount Fair Value Carrying value at beginning of period $ 239,063 $ (23,660) $ 215,403 Change in fair value: Pay-downs and pay-offs (141,002) — (141,002) Write-offs to discount (8,563) 8,563 — Changes in valuation included in other noninterest income (2,736) 7,634 4,898 Carrying value at end of period $ 86,762 $ (7,463) $ 79,299 In addition to the gain of $4,898 recognized on the change in fair value of the portfolio during the year ended December 31, 2021, the Company recognized an additional gain of $6,274 related to the pay-off of a loan that had been partially charged off prior to acquisition of the portfolio. Year Ended December 31, 2020 Principal balance Fair Value discount Fair Value Carrying value at beginning of period $ — $ — $ — Commercial loans held for sale acquired from Franklin 350,269 (24,063) 326,206 Change in fair value: Pay-downs and pay-offs (111,206) — (111,206) Write-offs to discount — (2,825) (2,825) Changes in valuation included in other noninterest income — 3,228 3,228 Carrying value at end of period $ 239,063 $ (23,660) $ 215,403 Interest income on loans held for sale measured at fair value is accrued as it is earned based on contractual rates and is reflected in loan interest income in the consolidated statements of income. The following table summarizes the differences between the fair value and the principal balance for loans held for sale and nonaccrual loans measured at fair value as of December 31, 2021 and 2020: December 31, 2021 Aggregate Aggregate Unpaid Principal Balance Difference Mortgage loans held for sale measured at fair value $ 672,924 $ 658,017 $ 14,907 Commercial loans held for sale measured at fair value 74,082 76,863 (2,781) Nonaccrual loans 5,217 9,899 (4,682) December 31, 2020 Mortgage loans held for sale measured at fair value $ 683,770 $ 651,887 $ 31,883 Commercial loans held for sale measured at fair value 208,914 226,867 (17,953) Past due loans of 90 days or more 83 163 (80) Nonaccrual loans 6,406 12,033 (5,627)

Parent company financial statem

Parent company financial statements	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent company financial statements	Parent company financial statements: The following information presents the condensed balance sheets, statements of operations, and cash flows of FB Financial Corporation as of December 31, 2021 and 2020 and for each of the years in the three-year period ended December 31, 2021. As of December 31, Balance sheet 2021 2020 Assets Cash and cash equivalents (1) $ 21,515 $ 5,310 Equity securities, at fair value — 1,173 Investment in subsidiaries (1) 1,427,784 1,378,347 Other assets 14,487 12,240 Goodwill 29 29 Total assets $ 1,463,815 $ 1,397,099 Liabilities and shareholders' equity Liabilities Borrowings $ 30,930 $ 106,299 Accrued expenses and other liabilities 283 (489) Total liabilities 31,213 105,810 Shareholders' equity Common stock 47,549 47,222 Additional paid-in capital 892,529 898,847 Retained earnings 486,666 317,625 Accumulated other comprehensive income 5,858 27,595 Total shareholders' equity 1,432,602 1,291,289 Total liabilities and shareholders' equity $ 1,463,815 $ 1,397,099 (1) Eliminates in Consolidation For the years ended December 31, Income Statements 2021 2020 2019 Income Dividend income from bank subsidiary (1) $ 122,500 $ 49,706 $ — Dividend income from nonbank subsidiary (1) 2,525 — — Gain on investments 249 217 — Loss on other assets — — (16) Other income 15 1,732 211 Total income 125,289 51,655 195 Expenses Interest expense 2,455 3,122 1,638 Salaries, legal and professional fees 1,445 1,458 1,056 Other noninterest expense 1,812 283 120 Total expenses 5,712 4,863 2,814 Income (loss) before income tax benefit and equity in undistributed 119,577 46,792 (2,619) Federal and state income tax benefit (2,992) (1,155) (683) Income (loss) before equity in undistributed earnings of subsidiaries 122,569 47,947 (1,936) Equity in undistributed earnings from bank subsidiary (1) 68,351 15,168 85,750 Equity in undistributed earnings from nonbank subsidiary (1) $ (635) $ 506 $ — Net income $ 190,285 $ 63,621 $ 83,814 (1) Eliminates in Consolidation For the years ended December 31, Statement of Cash Flows 2021 2020 2019 Operating Activities Net income $ 190,285 $ 63,621 $ 83,814 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of bank subsidiary (68,351) (15,168) (85,750) Equity in undistributed income of nonbank subsidiary 635 (506) — Gain on investments (249) (217) — Loss on other assets — — 16 Stock-based compensation expense 10,282 10,214 7,089 (Increase) decrease in other assets (3,916) (9,717) 1,056 Decrease in other liabilities (10,836) (13,363) (9,711) Net cash provided by (used in) operating activities 117,850 34,864 (3,486) Investing Activities Net cash paid in business combinations (See Note 2) — (35,505) — Proceeds from sale of equity securities 1,422 — — Net cash provided by (used in) investing activities 1,422 (35,505) — Financing Activities Accretion of interest rate premium on subordinated debt (369) (436) — Payment of dividends (21,583) (14,264) (10,045) Payments on subordinated debt (60,000) — — Payments on other borrowings (15,000) — — Proceeds from other borrowings — 15,000 — Net proceeds from sale of common stock 1,480 978 804 Repurchase of Common Stock (7,595) — — Net cash (used in) provided by financing activities (103,067) 1,278 (9,241) Net increase (decrease) in cash and cash equivalents 16,205 637 (12,727) Cash and cash equivalents at beginning of year 5,310 4,673 17,400 Cash and cash equivalents at end of year $ 21,515 $ 5,310 $ 4,673 Supplemental noncash disclosures: Dividends declared not paid on restricted stock units $ 400 $ 238 $ 149 Noncash dividend from bank subsidiary — 956 — Noncash security distribution to bank subsidiary 2,646 — —

Segment reporting

Segment reporting	12 Months Ended
	Dec. 31, 2021
Segment Reporting [Abstract]
Segment reporting	Segment reporting: The Company and the Bank are engaged in the business of banking and provide a full range of financial services. The Company determines reportable segments based on the significance of the segment’s operating results to the overall Company, the products and services offered, customer characteristics, processes and service delivery of the segments and the regular financial performance review and allocation of resources by the Chief Executive Officer, the Company’s chief operating decision maker. The Company has identified two distinct reportable segments—Banking and Mortgage. The Company’s primary segment is Banking, which provides a full range of deposit and lending products and services to corporate, commercial and consumer customers. The Company offers full-service conforming residential mortgage products, including conforming residential loans and services through two distinct delivery channels: retail and ConsumerDirect. Additionally, the Mortgage segment includes the servicing of residential mortgage loans and the packaging and securitization of loans to governmental agencies. The Company’s mortgage division represents a distinct reportable segment which differs from the Company’s primary business of commercial and retail banking. As previously reported, during the three months ended March 31, 2021, the Company re-evaluated its business segments and revised to align all mortgage activities with the Mortgage segment. Previously, the Company had attributed retail mortgage activities originating from geographical locations within the footprint of the Company's branches to the Banking segment. Results for the comparable prior periods have been revised to reflect this realignment. The impact of this change on previously reported segment results was the reclassification of mortgage retail footprint total net contribution of $26,416 and $7,213 from the Banking segment to the Mortgage segment for the years ended December 31, 2020 and 2019, respectively. The financial performance of the Mortgage segment is assessed based on results of operations reflecting direct revenues and expenses and allocated expenses. This approach gives management a better indication of the operating performance of the segment. When assessing the Banking segment’s financial performance, the CEO utilizes reports with indirect revenues and expenses including but not limited to the investment portfolio, electronic delivery channels and areas that primarily support the banking segment operations. Therefore, these are included in the results of the Banking segment. Other indirect revenue and expenses related to general administrative areas are also included in the internal financial results reports of the Banking segment utilized by the CEO for analysis and are thus included for Banking segment reporting. The Mortgage segment utilizes funding sources from the Banking segment in order to fund mortgage loans that are ultimately sold on the secondary market. The Mortgage segment uses the proceeds from loan sales to repay obligations due to the Banking segment. During the first quarter of 2019, the Company's Board of Directors approved management's strategic plan to exit its wholesale mortgage delivery channels. On June 7, 2019, the Company completed the sale of its third party origination channel and on August 1, 2019, the Company completed the sale of its correspondent channel. The Mortgage segment incurred $1,995 in restructuring and miscellaneous charges, during the year ended December 31, 2019, related to these sales. The restructuring charges include a one-time charge of $100 in relief of goodwill associated with the TPO channel. The following tables provide segment financial information for years ended December 31, 2021, 2020, and 2019 as follows: Year Ended December 31, 2021 Banking Mortgage Consolidated Net interest income $ 347,342 $ 28 $ 347,370 Provisions for credit losses (1) (40,993) — (40,993) Mortgage banking income (2) — 179,682 179,682 Change in fair value of mortgage servicing rights, net of hedging (2) — (12,117) (12,117) Other noninterest income 61,073 (383) 60,690 Depreciation and amortization 7,054 1,362 8,416 Amortization of intangibles 5,473 — 5,473 Other noninterest expense 220,283 139,395 359,678 Income before income taxes $ 216,598 $ 26,453 $ 243,051 Income tax expense 52,750 Net income applicable to FB Financial Corporation and noncontrolling interest 190,301 Net income applicable to noncontrolling interest (3) 16 Net income applicable to FB Financial Corporation $ 190,285 Total assets $ 11,540,560 $ 1,057,126 $ 12,597,686 Goodwill 242,561 — 242,561 (1) Included $(1,998) in provision for credit losses on unfunded commitments. (2) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (3) Banking segment includes noncontrolling interest. Year Ended December 31, 2020 Banking Mortgage Consolidated Net interest income $ 265,581 $ 77 $ 265,658 Provisions for credit losses (1) 107,967 — 107,967 Mortgage banking income (2) — 289,702 289,702 Change in fair value of mortgage servicing rights, net of hedging (2) — (34,374) (34,374) Other noninterest income 46,527 — 46,527 Depreciation and amortization 6,425 1,111 7,536 Amortization of intangibles 5,323 — 5,323 Other noninterest expense (3) 212,890 151,336 364,226 (Loss) income before income taxes $ (20,497) $ 102,958 $ 82,461 Income tax expense 18,832 Net income applicable to FB Financial Corporation and noncontrolling interest 63,629 Net income applicable to noncontrolling interest (4) 8 Net income applicable to FB Financial Corporation $ 63,621 Total assets $ 10,254,324 $ 953,006 $ 11,207,330 Goodwill 242,561 — 242,561 (1) Includes $13,361 in provision for credit losses on unfunded commitments. (2) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (3) Includes $33,824 of merger costs in the Banking segment related to the Farmers National acquisition and the Franklin merger and $1,055 of merger costs in the Mortgage segment related to the Franklin merger. (4) Banking segment includes noncontrolling interest. Year Ended December 31, 2019 Banking Mortgage Consolidated Net interest income $ 226,098 $ (62) $ 226,036 Provisions for loan losses 7,053 — 7,053 Mortgage banking income (1) — 117,905 117,905 Change in fair value of mortgage servicing rights, net of hedging (1) — (16,989) (16,989) Other noninterest income 34,481 — 34,481 Depreciation and amortization 4,594 582 5,176 Amortization of intangibles 4,339 — 4,339 Other noninterest expense (2) 144,734 90,592 235,326 Income before income taxes $ 99,859 $ 9,680 $ 109,539 Income tax expense 25,725 Net income applicable to FB Financial Corporation $ 83,814 Total assets $ 5,700,558 $ 424,363 $ 6,124,921 Goodwill 169,051 — 169,051 1. Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. 2. Includes $5,385 in merger costs in the Banking segment related to the Atlantic Capital branch acquisition and $1,995 in mortgage restructuring charges in the Mortgage segment.

Minimum capital requirements

Minimum capital requirements	12 Months Ended
	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Minimum capital requirements	Minimum capital requirements: Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. Under regulatory guidance for non-advanced approaches institutions, the Bank and Company are required to maintain minimum capital ratios as outlined in the table below. Additionally, under U.S. Basel III Capital Rules, the decision was made to opt out of including accumulated other comprehensive income in regulatory capital. As of December 31, 2021 and 2020, the Bank and Company met all capital adequacy requirements to which they are subject. In March 2020, the OCC, the Board of Governors of the Federal Reserve System, and the FDIC announced a final rule to delay the estimated impact on regulatory capital stemming from the implementation of CECL. The final rule maintains the three-year transition option in the previous rule and provides banks the option to delay for two years an estimate of CECL’s effect on regulatory capital, relative to the incurred loss methodology’s effect on regulatory capital, followed by a three-year transition period (five-year transition option). The Company adopted the capital transition relief over the permissible five-year period. Actual and required capital amounts and ratios are included below as of the dates indicated. Actual Minimum Capital To be well capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,434,581 14.5 % $ 1,039,984 10.5 % N/A N/A FirstBank 1,396,407 14.1 % 1,038,760 10.5 % $ 989,295 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,251,874 12.6 % $ 841,892 8.5 % N/A N/A FirstBank 1,213,700 12.3 % 840,901 8.5 % $ 791,436 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,251,874 10.5 % $ 474,831 4.0 % N/A N/A FirstBank 1,213,700 10.2 % 474,044 4.0 % $ 592,555 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,221,874 12.3 % $ 693,322 7.0 % N/A N/A FirstBank 1,213,700 12.3 % 692,507 7.0 % $ 643,042 6.5 % Actual Minimum Capital To be well capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2020 Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,358,897 15.0 % $ 952,736 10.5 % N/A N/A FirstBank 1,353,279 14.9 % 951,327 10.5 % $ 906,026 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,090,364 12.0 % $ 771,262 8.5 % N/A N/A FirstBank 1,142,548 12.6 % 770,122 8.5 % $ 724,820 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,090,364 10.0 % $ 435,064 4.0 % N/A N/A FirstBank 1,142,548 10.5 % 435,279 4.0 % $ 544,098 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,060,364 11.7 % $ 635,157 7.0 % N/A N/A FirstBank 1,142,548 12.6 % 634,218 7.0 % $ 588,917 6.5 %

Employee benefit plans

Employee benefit plans	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Employee benefit plans	Employee benefit plans: (A)—401(k) plan: The Bank has a 401(k) Plan (the “Plan”) whereby substantially all employees participate in the Plan. Employees may contribute the maximum amount of their eligible compensation subject to certain limits based on the federal tax laws. The Bank has an employer match of 50% of participant contributions not to exceed 6% of an employee’s total compensation and the vesting term of profit sharing contributions is a three-year ratable period. For the years ended December 31, 2021, 2020 and 2019, the matching portions provided by the Bank to this Plan were $3,923 and $3,198 and $2,325 respectively. (B)—Acquired supplemental retirement plans: In prior years, the Company assumed certain nonqualified supplemental retirement plans for certain former employees of acquired entities. As of December 31, 2021 and 2020, other liabilities on the consolidated balance sheets included post-retirement benefits payable of $2,487 and $1,112, respectively, related to these plans. For the years ended December 31, 2021, 2020 and 2019, the Company recorded expense of $94, $29 and $1, respectively, related to these plans and payments to the participants were $172, $131 and $150 in 2021, 2020 and 2019, respectively. The Company also acquired single premium life insurance policies on these individuals. At December 31, 2021 and 2020, cash surrender value of bank-owned life insurance was $73,519 and $71,977, respectively. Income related to these policies (net of related insurance premium expense) amounted to $1,542, $1,556 and $242 in 2021, 2020 and 2019, respectively.

Stock-based compensation

Stock-based compensation	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Stock-based compensation	Stock-Based Compensation: Restricted Stock Units The Company grants restricted stock units under compensation arrangements for the benefit of employees, executive officers, and directors. Restricted stock unit grants are subject to time-based vesting. The total number of restricted stock units granted represents the maximum number of restricted stock units eligible to vest based upon the service conditions set forth in the grant agreements. The following table summarizes information about the changes in restricted stock units for the year ended December 31, 2021: Year Ended December 31, 2021 Restricted Stock Weighted Balance at beginning of period 1,047,071 $ 26.06 Granted 194,388 43.05 Vested (710,730) 22.99 Forfeited (38,409) 28.96 Balance at end of period 492,320 $ 36.06 The total fair value of restricted stock units vested and released was $16,340, $5,619 and $9,923 for the years ended December 31, 2021, 2020, and 2019, respectively. The compensation cost related to stock grants and vesting of restricted stock units was $8,907, $9,213 and $7,089 for the years ended December 31, 2021, 2020, and 2019, respectively. This included costs related to director grants and compensation elected to be settled in stock amounting to $635, $898 and $724 for the years ended December 31, 2021, 2020, and 2019, respectively. As of December 31, 2021, there was $11,652 of total unrecognized compensation cost related to unvested restricted stock units which is expected to be recognized over a weighted-average period of 2.5 years. As of December 31, 2021, there were 1,812,577 shares available for issuance under the 2016-LTIP plan. As of December 31, 2021 and 2020, there were $274 and $613, respectively, accrued in other liabilities related to dividend equivalent units declared to be paid upon vesting and distribution of the underlying restricted stock units. Performance Based Restricted Stock Units The following table summarizes information about the changes in performance stock units as of and for the year ended December 31, 2021. Year Ended December 31, 2021 Performance Stock Weighted Balance at beginning of period (unvested) 53,147 $ 36.21 Granted 65,304 43.20 Vested — — Forfeited or expired (2,701) 37.11 Balance at end of period (unvested) 115,750 $ 40.13 During 2020, the Company began awarding performance-based restricted stock units to executives and other officers and employees. Under the terms of the awards, the number of units that will vest and convert to shares of common stock will be based on the Company's performance relative to a predefined peer group over a fixed three-year performance period. The number of shares issued upon vesting will range from 0% to 200% of the PSUs granted. The PSUs vest at the end of a three-year period based on average adjusted return on tangible equity, adjusted for unusual gains/losses, merger expenses, and other items as approved by the compensation committee of the Company's board of directors. Compensation expense for the PSUs will be estimated each period based on the fair value of the Company's stock at the grant date and the most probable outcome of the performance condition, adjusted for the passage of time within the vesting period of the awards. The Company recorded compensation cost $1,375 and $1,001 for the years ended December 31, 2021 and 2020, respectively. As of December 31, 2021, the Company determined the probability of meeting the performance criteria for each grant, and recorded compensation cost associated with a 150.0% (related to shares granted in 2020) and 85.0% (related to shares granted in 2021) vesting, when factoring in the conversion of PSUs to shares of common stock. As of December 31, 2021, maximum unrecognized compensation cost at 200% payout related to the unvested PSUs was $6,914, and the remaining performance period over which the cost could be recognized was 1.8 years. Employee Stock Purchase Plan: The Company maintains an employee stock purchase plan under which employees, through payroll deductions, are able to purchase shares of Company common stock. The purchase price is 95% of the lower of the market price on the first or last day of the offering period. The maximum number of shares issuable during any offering period is 200,000 shares and a participant may not purchase more than 725 shares during any offering period (and, in any event, no more than $25 worth of common stock in any calendar year). There were 37,310, 30,179 and 23,171 shares of common stock issued under the ESPP with proceeds from employee payroll withholdings of $1,190, $919 and $764, during the years ended December 31, 2021, 2020, and 2019, respectively. As of December 31, 2021 and 2020, there were 2,341,696 and 2,379,006 shares available for issuance under the ESPP, respectively.

Related party transactions

Related party transactions	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Related party transactions	Related party transactions: (A) Loans: The Bank has made and expects to continue to make loans to the directors, certain management and executive officers of the Company and their affiliates in the ordinary course of business, in compliance with regulatory requirements. An analysis of loans to executive officers, certain management, and directors of the Bank and their affiliates is presented below: Loans outstanding at January 1, 2021 $ 24,675 New loans and advances 11,791 Change in related party status (122) Repayments (7,334) Loans outstanding at December 31, 2021 $ 29,010 Unfunded commitments to certain executive officers, certain management and directors and their associates totaled $10,994 and $23,059 at December 31, 2021 and 2020, respectively. (B) Deposits: The Bank held deposits from related parties totaling $312,956 and $245,084 as of December 31, 2021 and 2020, respectively. (C) Leases: The Bank leases various office spaces from entities owned by certain directors of the Company under varying terms. The Company had $6 and $53 in unamortized leasehold improvements related to these leases at December 31, 2021 and 2020, respectively. These improvements are being amortized over a term not to exceed the length of the lease. Lease expense for these properties totaled $497, $510, and $509 for the years ended December 31, 2021, 2020, and 2019. (D) Aviation time sharing agreements: The Company is a participant to an aviation time sharing agreement with an entity owned by a certain director of the Company. During the years ended December 31, 2021, 2020, and 2019, the Company made payments of $32, $161 and $266, respectively, under this agreement. Additionally, during the year ended December 31, 2021, the Bank formed a subsidiary, FBK Aviation, LLC and purchased an aircraft under this entity. FBK Aviation, LLC also established a non-exclusive aircraft lease agreement with an entity owned by one of the Company's directors. During the year ended December 31, 2021, the Company recognized income amounting to $21 under this agreement. (E) Registration rights agreement:

Basis of presentation (Policies

Basis of presentation (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation:The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and general banking industry. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported results of operations for the year then ended. Actual results could differ significantly from those estimates. It is possible that the Company's estimate of the allowance for credit losses and determination of impairment of goodwill could change as a result of the continued impact of the COVID-19 pandemic on the economy. The resulting change in these estimates could be material to the Company's financial statements.The consolidated financial statements include the accounts of the Company, FBRM, the Bank, and its’ wholly-owned subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform to the current period presentation without any impact on the reported amounts of net income or shareholders’ equity.
Cash flows	Cash flows:For purposes of reporting consolidated cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest earning deposits in other financial institutions with maturities of less than 90 days at the date of purchase. These amounts are reported in the consolidated balance sheets caption “Cash and cash equivalents.” Net cash flows are reported for loans held for investment, deposits and short-term borrowings.
Cash and cash equivalents	Cash and cash equivalents:The Company considers all highly liquid unrestricted investments with a maturity of three months or less when purchased to be cash equivalents. This includes cash, federal funds sold, reverse repurchase agreements and interest-bearing deposits in other financial institutions.
Investment securities	Investment securities:Debt securities are classified as held to maturity and carried at amortized cost, excluding accrued interest, when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Available-for-sale debt securities are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of applicable taxes. Beginning January 1, 2020, unrealized losses resulting from credit losses for available-for-sale debt securities are recognized in earnings as a provision for credit losses. Unrealized losses that do not result from credit losses are excluded from earnings and reported in equity as accumulated other comprehensive income, net of applicable taxes. Accrued interest receivable is separated from other components of amortized cost and presented separately on the consolidated balance sheets. Equity securities with readily determinable market values are carried at fair value on the balance sheet with any periodic changes in value made through adjustments to the statement of income. Equity securities without readily determinable market values are carried at cost less impairment and included in other assets on the consolidated balance sheets. Interest income includes the amortization and accretion of purchase premium and discount. Premiums and discounts on securities are amortized on the level-yield method anticipating prepayments based upon the prior three month average monthly prepayments when available. The sale and purchase of investment securities are recognized on a trade date basis with gains and losses on sales being determined using the specific identification method. The Company evaluates available-for-sale securities for expected credit losses at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. For securities in an unrealized loss position, consideration is given to the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, the Company considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. When credit losses are expected to occur, the amount of the expected credit loss recognized in earnings depends on the Company's intention to sell the security or if it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the expected credit loss recognized in earnings is equal to the entire difference between its amortized cost basis and its fair value at the date it was determined to be impaired due to credit losses or other factors. The previous amortized cost basis less the impairment recognized in earnings becomes the new amortized cost basis of the investment. However, if the Company does not intend to sell the security and it is not more likely than not to be required to sell the security before recovery of its amortized cost basis, the difference between the amortized cost and the fair value is separated into the amount representing the credit loss and the amount related to all other factors. If the Company determines a decline in fair value below the amortized cost basis of an available-for-sale investment security has resulted from credit related factors, the Company records a credit loss through an allowance for credit losses. The allowance for credit losses is limited by the amount that the fair value is less than amortized cost. The amount of the allowance for credit losses is determined based on the present value of cash flows expected to be collected and is recognized as a charge to earnings. The amount of the impairment related to other, non-credit related, factors is recognized in other comprehensive income, net of applicable taxes. The Company did not record any provision for credit losses for its available-for-sale debt securities during the years ended December 31, 2021 or 2020, as the majority of the investment portfolio is government guaranteed and declines in fair value below amortized cost were determined to be non-credit related.
Federal Home Loan Bank stock	Federal Home Loan Bank stock:The Bank accounts for its investments in FHLB stock in accordance with FASB ASC Topic 942-325 "Financial Services-Depository and Lending-Investments-Other." FHLB stock are equity securities that do not have a readily determinable fair value because its ownership is restricted and lacks a market. FHLB stock is carried at cost and evaluated for impairment.
Loans held for sale	Loans held for sale: Mortgage loans held for sale Loans originated and intended for sale in the secondary market, primarily mortgage loans, are carried at fair value as permitted under the guidance in ASC 825, “Financial Instruments” (“ASC 825”). Net (losses) gains of $(16,976), $24,233, and $(2,861) resulting from fair value changes of these mortgage loans were recorded in income during the years ended December 31, 2021, 2020 and 2019, respectively. The amount does not reflect changes in fair values of related derivative instruments used to hedge exposure to market-related risks associated with these mortgage loans. The change in fair value of both mortgage loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the Consolidated Statements of Income. Gains and losses are recognized in Mortgage banking income on the consolidated statements of income at the time the loan is closed. Pass through origination costs and related loan fees are also included in “Mortgage banking income”. Periodically, the Bank will transfer mortgage loans originated for sale in the secondary markets into the loan portfolio based on current market conditions, the overall secondary marketability of the loan and the status of the loan. During the years ended December 31, 2021, 2020, and 2019, the Bank transferred $86,315, $55,766, and $12,259, respectively, of residential mortgage loans into its loans held for investment portfolio. The loans are transferred into the portfolio at fair value at the date of transfer. Additionally, occasionally the Bank will transfer loans from the held for investment portfolio into loans held for sale. At the time of the transfer, loans are marked to fair value through the allowance for credit losses and reclassified to loans held for sale. During the years ended December 31, 2021 and 2020, the Company transferred $1,188 and 2,116, respectively, from the portfolio to loans held for sale, excluding GNMA repurchases discussed below. GNMA optional repurchase programs allow financial institutions to buy back individual delinquent mortgage loans that meet certain criteria from the securitized loan pool for which the institution provides servicing and was the original transferor. At the servicer’s option and without GNMA’s prior authorization, the servicer may repurchase such a delinquent loan for an amount equal to 100 percent of the remaining principal balance of the loan. Under FASB ASC Topic 860, “Transfers and Servicing,” this buy-back option is considered a conditional option until the delinquency criteria are met, at which time the option becomes unconditional. When the Company is deemed to have regained effective control over these loans under the unconditional buy-back option, the loans can no longer be reported as sold and must be brought back onto the balance sheet, regardless of whether the Company intends to exercise the buy-back option if the buyback option provides the transferor a more-than-trivial benefit. When this criteria is met and these are repurchased, after a period of borrower performance, the loans are transferred to loans held for sale at fair value and are able to be regrouped into new Ginnie Mae guaranteed securities. During the years ended December 31, 2021, 2020 and 2019, the Company transferred $9,220, $9,367 and $7,891 respectively, of these repurchased loans from loans held for investment to loans held for sale. As of December 31, 2021, and 2020, there were $94,648 and $151,184, respectively, of delinquent GNMA loans that had previously been sold which the Company had the option to repurchase; however, the Company determined there not to be a "more-than-trivial benefit" based on an analysis of interest rates and assessment of potential reputational risk associated with these loans. As such, the Company did not record these loans on the balance sheets. Commercial loan held for sale
Loans (excluding purchase credit deteriorated loans)	Loans (excluding purchased credit deteriorated loans): Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at amortized cost. Amortized cost is equal to the principal amount outstanding less any purchase accounting discount or premium net of any accretion or amortization recognized to date. Interest on loans is recognized as income by using the simple interest method on daily balances of the principal amount outstanding plus any accretion or amortization of purchase accounting discounts. Loans on which the accrual of interest has been discontinued are designated as nonaccrual loans. Accrual of interest is discontinued on loans past due 90 days or more unless the credit is well secured and in the process of collection. Also, a loan may be placed on nonaccrual status prior to becoming past due 90 days if management believes, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of principal or interest is doubtful. The decision to place a loan on nonaccrual status prior to becoming past due 90 days is based on an evaluation of the borrower’s financial condition, collateral liquidation value, economic and business conditions and other factors that affect the borrower’s ability to pay. When a loan is placed on nonaccrual status, the accrued but unpaid interest is charged against current period operations. Thereafter, interest on nonaccrual loans is recognized only as received if future collection of principal is probable. If the collectability of outstanding principal is doubtful, interest received is applied as a reduction of principal. A loan may be restored to accrual status when principal and interest are no longer past due or it otherwise becomes both well secured and collectability is reasonably assured.
Allowance for credit losses	Allowance for credit losses: The allowance for credit losses represents the portion of the loan's amortized cost basis that the Company does not expect to collect due to credit losses over the loan's life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions considering macroeconomic forecasts. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for credit losses is based on the loan's amortized cost basis, excluding accrued interest receivable, as the Company promptly charges off uncollectible accrued interest receivable. Management’s determination of the appropriateness of the allowance is based on periodic evaluation of the loan portfolio, lending-related commitments and other relevant factors, including macroeconomic forecasts and historical loss rates. In future quarters, the Company may update information and forecasts that may cause significant changes in the estimate in those future quarters. As of January 1, 2020, the Company’s policy for the allowance for credit losses changed with the adoption of CECL to calculate the allowance using a lifetime expected credit loss approach. As permitted, the guidance was implemented using a modified retrospective approach with the impact of the initial adoption being recorded through retained earnings at January 1, 2020, with no restatement of prior periods. See Note 5, "Loans and allowance for credit losses" for additional details related to the Company's specific calculation methodology. The allowance for credit losses is the Company’s best estimate. Actual losses may differ from the December 31, 2021 allowance for credit loss as the CECL estimate is sensitive to economic forecasts and management judgment. The following portfolio segments have been identified: Commercial and industrial loans. The Company provides a mix of variable and fixed rate commercial and industrial loans. Commercial and industrial loans are typically made to small- and medium-sized manufacturing, wholesale, retail and service businesses for working capital and operating needs and business expansions, including the purchase of capital equipment and loans made to farmers relating to their operations. This category also includes loans secured by manufactured housing receivables. Commercial and industrial loans generally include lines of credit and loans with maturities of five years or less. The loans are generally made with operating cash flows as the primary source of repayment, but may also include collateralization by inventory, accounts receivable, equipment and/or personal guarantees. The ability of the borrower to collect accounts receivable, and to turn inventory into sales are risk factors in the repayment of the loan. Construction loans. Construction loans include commercial construction, land acquisition and land development loans and single-family interim construction loans to small- and medium-sized businesses and individuals. These loans are generally secured by the land or the real property being built and are made based on our assessment of the value of the property on an as-completed basis. We expect to continue to make construction loans at a similar pace so long as demand continues and the market for and values of such properties remain stable or continue to improve in our markets. These loans can carry risk of repayment when projects incur cost overruns, have an increase in the price of building materials, encounter zoning and environmental issues, or encounter other factors that may affect the completion of a project on time and on budget. Additionally, repayment risk may be negatively impacted when the market experiences a deterioration in the value of real estate. Residential real estate 1-4 family mortgage loans . The Company’s residential real estate 1-4 family mortgage loans are primarily made with respect to and secured by single family homes, which are both owner-occupied and investor owned and include manufactured homes with real estate. The Company intends to continue to make residential 1-4 family housing loans at a similar pace, so long as housing values in our markets do not deteriorate from current prevailing levels and we are able to make such loans consistent with our current credit and underwriting standards. First lien residential 1-4 family mortgages may be affected by unemployment or underemployment and deteriorating market values of real estate. Residential line of credit loans. The Company’s residential line of credit loans are revolving, open-end lines of credit secured by 1-4 residential properties. The Company intends to continue to make home equity loans if housing values in our markets do not deteriorate from current prevailing levels and we are able to make such loans consistent with our current credit and underwriting standards. Second lien residential 1-4 family mortgages may be affected by unemployment or underemployment and deteriorating market values of real estate. Multi-family residential loans. The Company’s multi-family residential loans are primarily secured by multi-family properties, such as apartments and condominium buildings. These loans also may be affected by unemployment or underemployment and deteriorating market values of real estate. Commercial real estate loans . The Company’s commercial real estate owner-occupied loans include loans to finance commercial real estate owner occupied properties for various purposes including use as offices, warehouses, production facilities, health care facilities, retail centers, restaurants, churches and agricultural based facilities. Commercial real estate owner-occupied loans are typically repaid through the ongoing business operations of the borrower, and hence are dependent on the success of the underlying business for repayment and are more exposed to general economic conditions. Commercial real estate non-owner occupied loans . The Company’s commercial real estate non-owner occupied loans include loans to finance commercial real estate non-owner occupied investment properties for various purposes including use as offices, warehouses, health care facilities, hotels, mixed-use residential/commercial, manufactured housing communities, retail centers, assisted living facilities and agricultural based facilities. Commercial real estate non-owner occupied loans are typically repaid with the funds received from the sale of the completed property or rental proceeds from such property, and are therefore more sensitive to adverse conditions in the real estate market, which can also affected by general economic conditions. Consumer and other loans . The Company’s consumer and other loans include loans to individuals for personal, family and household purposes, including car, boat and other recreational vehicle loans, manufactured homes without real estate, and personal lines of credit. Consumer loans are generally secured by vehicles and other household goods. The collateral securing consumer loans may depreciate over time. The company seeks to minimize these risks through its underwriting standards. Other loans also include loans to states and political subdivisions in the U.S. These loans are generally subject to the risk that the borrowing municipality or political subdivision may lose a significant portion of its tax base or that the project for which the loan was made may produce inadequate revenue. Allowance for Credit Losses As of January 1, 2020, the Company’s policy for the allowance changed with the adoption of CECL. As permitted, the new guidance was implemented using a modified retrospective approach with the impact of the initial adoption being recorded through retained earnings at January 1, 2020, with no restatement of prior periods. Before January 1, 2020, the Company calculated the allowance on an incurred loss approach. As of January 1, 2020, the Company calculated an expected credit loss using a lifetime loss rate methodology. As a result of the difference in methodology between periods, disclosures presented below may not be comparative in nature. The Company utilizes probability-weighted forecasts, which consider multiple macroeconomic variables from a third-party vendor that are applicable to the type of loan. Each of the Company's loss rate models incorporate forward-looking macroeconomic projections throughout the reasonable and supportable forecast period and the subsequent historical reversion at the macroeconomic variable input level. In order to estimate the life of a loan, the contractual term of the loan is adjusted for estimated prepayments based on market information and the Company’s prepayment history. The Company's loss rate models estimate the lifetime loss rate for pools of loans by combining the calculated loss rate based on each variable within the model (including the macroeconomic variables). The lifetime loss rate for the pool is then multiplied by the loan balances to determine the expected credit losses on the pool. The Company considers the need to qualitatively adjust its modeled quantitative expected credit loss estimate for information not already captured in the model loss estimation process. These qualitative factor adjustments may increase or decrease the Company’s estimate of expected credit losses. The Company reviews the qualitative adjustments so as to validate that information that has already been considered and included in the modeled quantitative loss estimation process is not also included in the qualitative adjustment. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations. The quantitative models require loan data and macroeconomic variables based on the inherent credit risks in each portfolio to more accurately measure the credit risks associated with each. Each of the quantitative models pools loans with similar risk characteristics and collectively assesses the lifetime loss rate for each pool to estimate its expected credit loss. When a loan no longer shares similar risk characteristics with other loans in any given pool, the loan is individually assessed. The Company has determined the following circumstances in which a loan may require an individual evaluation: collateral dependent loans; loans for which foreclosure is probable; and loans with other unique risk characteristics. A loan is deemed collateral dependent when 1) the borrower is experiencing financial difficulty and 2) the repayment is expected to be primarily through sale or operation of the collateral. The allowance for credit losses for collateral dependent loans as well as loans where foreclosure is probable is calculated as the amount for which the loan’s amortized cost basis exceeds fair value. Fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. In cases where repayment is to be provided substantially through the sale of collateral, the Company reduces the fair value by the estimated costs to sell. Loans experiencing financial difficulty for which a concession has not yet been provided may be identified as reasonably expected TDRs.
Business combinations, accounting for acquired loans with credit deterioration and off-balance sheet financial instruments	Business combinations, accounting for acquired loans with credit deterioration and off-balance sheet financial instruments: Business combinations are accounted for by applying the acquisition method in accordance with Accounting Standards Codification 805, “Business Combinations” (“ASC 805”). Under the acquisition method, identifiable assets acquired and liabilities assumed and any non-controlling interest in the acquiree at the acquisition date are measured at their fair values as of that date. Any excess of the purchase price over fair value of net assets acquired is recorded as goodwill. To the extent the fair value of net assets acquired, including any other identifiable intangible assets, exceed the purchase price, a bargain purchase gain is recognized. Results of operations of acquired entities are included in the consolidated statements of income from the date of acquisition. Beginning January 1, 2020, loans acquired in business combinations with evidence of more-than-insignificant credit deterioration since origination are considered to be Purchased Credit Deteriorated. The Company developed multiple criteria to assess the presence of more–than–insignificant credit deterioration in acquired loans, mainly focused on changes in credit quality and payment status. While general criteria have been established, each acquisition will vary in its specific facts and circumstances and the Company will apply judgment around PCD identification for each individual acquisition based on their unique portfolio mix and risks identified. The Company adopted ASC 326 on January 1, 2020 using the prospective transition approach for loans previously classified as purchased credit impaired and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption and all PCI loans were transitioned to PCD loans upon adoption. Under PCD accounting, the amount of expected credit losses as of the acquisition date is added to the purchase price of the PCD loan. This establishes the amortized cost basis of the PCD loan. The difference between the unpaid principal balance of the PCD loan and the amortized cost basis of the PCD loan as of the acquisition date is the non-credit discount. Interest income for a PCD loan is recognized by accreting the amortized cost basis of the PCD loan to its contractual cash flows. The discount related to estimated credit losses on acquisition recorded as an allowance for credit losses will not be accreted into interest income. Only the noncredit-related discount will be accreted into interest income and subsequent adjustments to expected credit losses will flow through the provision for credit losses on the income statement. Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, unless considered derivatives. For loan commitments that are not accounted for as derivatives and when the obligation is not unconditionally cancellable by the Company, the Company applies the CECL methodology to estimate the expected credit loss on off-balance-sheet commitments. The estimate of expected credit losses for off-balance-sheet credit commitments is recognized as a liability. When the loan is funded, an allowance for expected credit losses is estimated for that loan using the CECL methodology, and the liability for off-balance-sheet commitments is reduced. When applying the CECL methodology to estimate the expected credit loss, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions.
Premises and equipment	Premises and equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Provisions for depreciation are computed principally on the straight-line method and are charged to occupancy expense over the estimated useful lives of the assets. Maintenance agreements are amortized to expense over the period of time covered by the agreement. Costs of major additions, replacements or improvements are capitalized while expenditures for maintenance and repairs are charged to expense as incurred. For financial statement purposes, the estimated useful life for premises is the lesser of the remaining useful life per third party appraisal or forty years, for furniture and fixtures the estimated useful life is seven three
Other real estate owned	Other real estate owned:Real estate acquired through, or in lieu of, loan foreclosure is initially recorded at fair value less the estimated cost to sell at the date of foreclosure, which may establish a new cost basis. Other real estate owned may also include excess facilities and properties held for sale as described in Note 7, "Other real estate owned". Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan. After initial measurement, valuations are periodically performed by management and the asset is carried at the lower of carrying amount or fair value less costs to sell. Revenue and expenses from operations are included in other noninterest income and noninterest expenses. Losses due to the valuation of the property are included in gain (loss) on sales or write-downs of other real estate owned.
Leases	Leases: The Company leases certain banking, mortgage and operations locations. The Company records leases on the balance sheet in the form of a lease liability for the present value of future minimum payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, incentive liabilities, leasehold intangibles and any impairment of the right-of-use asset. In determining whether a contract contains a lease, management conducts an analysis at lease inception to ensure an asset was specifically identified and the Company has control of use of the asset. The Company considers a lease to be a finance lease if future minimum lease payments amount to greater than 90% of the asset's fair value or if the lease term is equal to or greater than 75% of the asset's estimated economic useful life. The Company does not record leases on the consolidated balance sheets that are classified as short term (less than one year). Additionally, the Company has not recorded equipment leases on the consolidated balance sheets as these are not material to the Company. At lease inception, the Company determines the lease term by adding together the minimum lease term and all optional renewal periods that it is reasonably certain to renew. This determination is at management's full discretion and is made through consideration of the asset, market conditions, competition and entity based economic conditions, among other factors. The lease term is used in the economic life test and also to calculate straight-line rent expense. The depreciable life of leasehold improvements is limited by the estimated lease term, including renewals. Operating leases are expensed on a straight-line basis over the life of the lease beginning when the lease commences. Rent expense and variable lease expense are included in occupancy and equipment expense on the Company's Consolidated statements of income. The Company's variable lease expense include rent escalators that are based on the Consumer Price Index or market conditions and include items such as common area maintenance, utilities, parking, property taxes, insurance and other costs associated with the lease. The Company recognizes a right-of-use asset and a finance lease liability at the lease commencement dated on the estimated present value of lease payments over the lease term for finance leases. The amortization of the right-of-use asset is expensed through occupancy and equipment expense and the interest on the lease liability is expensed through interest expense on borrowings on the Company's consolidated statements of income. There are no residual value guarantees or restrictions or covenants imposed by leases that will impact the Company's ability to pay dividends or cause the Company to incur additional expenses. The discount rate used in determining the lease liability is based upon incremental borrowing rates the Company could obtain for similar loans as of the date of commencement or renewal.
Mortgage servicing rights	Mortgage servicing rights: The Company accounts for its mortgage servicing rights under the fair value option as permitted under ASC 860-50-35, "Transfers and Servicing". The Company retains the right to service certain mortgage loans that it sells to secondary market investors. The retained mortgage servicing right is initially recorded at the fair value of future net cash flows expected to be realized for performing servicing activities. Fair value is determined using an income approach with various assumptions including expected cash flows, prepayment speeds, market discount rates, servicing costs, and other factors. These mortgage servicing rights are recognized as a separate asset on the date the corresponding mortgage loan is sold. Subsequent changes in fair value, including the write downs due to pay offs and paydowns, are recorded in earnings in Mortgage banking income.
Transfers of financial assets	Transfers of financial assets:Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Goodwill and other intangibles	Goodwill and other intangibles:Goodwill represents the excess of the cost of an acquisition over the fair value of the net assets acquired. Goodwill impairment testing is performed annually or more frequently if events or circumstances indicate possible impairment. Goodwill is assigned to the Company’s reporting units, Banking or Mortgage as applicable. Goodwill is evaluated for impairment by first performing a qualitative evaluation to determine whether it is necessary to perform the quantitative goodwill impairment test. The qualitative evaluation is an assessment of factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount, including goodwill.  If an entity does a qualitative assessment and determines that it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then goodwill of the reporting unit is not considered impaired, and it is not necessary to continue to the quantitative goodwill impairment test. If the estimated implied fair value of goodwill is less than the carrying amount, an impairment loss would be recognized in noninterest expense to reduce the carrying amount to the estimated implied fair value, which could be material to our operating results for any particular reporting period.Other intangible assets consist of core deposit intangible assets arising from whole bank and branch acquisitions in addition to both a customer trust intangible and manufactured housing loan servicing intangible. All intangible assets are initially measured at fair value and then amortized over their estimated useful lives. See Note 8,"Goodwill and intangible assets" for additional information on other intangibles.
Income taxes	Income taxes:Income tax expense is the total of the current year income tax due and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.
Long-lived assets	Long-lived assets:Premises and equipment, core deposit intangible assets, and other long-lived assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.
Derivative financial instruments and hedging activities	Derivative financial instruments and hedging activities: All derivative financial instruments are recorded at their fair values in other assets or other liabilities in the consolidated balance sheets in accordance with ASC 815, “Derivatives and Hedging.” If derivative financial instruments are designated as hedges of fair values, both the change in the fair value of the hedge and the hedged item are included in current earnings. If derivative financial instruments are not designated as hedges, only the change in the fair value of the derivative instrument is included in current earnings. Cash flow hedges are utilized to mitigate the exposure to variability in expected future cash flows or other types of forecasted transactions. For the Company’s derivatives designated as cash flow hedges, changes in the fair value of cash flow hedges are, to the extent that the hedging relationship is effective, recorded as other comprehensive income and are subsequently recognized in earnings at the same time that the hedged item is recognized in earnings. The ineffective portions of the changes in fair value of the hedging instruments are immediately recognized in earnings. The assessment of the effectiveness of the hedging relationship is evaluated under the hypothetical derivative method. The Company also utilizes derivative instruments that are not designated as hedging instruments. The Company enters into interest rate cap and/or floor agreements with its customers and then enters into an offsetting derivative contract position with other financial institutions to mitigate the interest rate risk associated with these customer contracts. Because these derivative instruments are not designated as hedging instruments, changes in the fair value of the derivative instruments are recognized currently in earnings. The Company also enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (rate-lock commitments). Rate-lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. Accordingly, such commitments, along with any related fees received from potential borrowers, are recorded at fair value in other assets or liabilities, with changes in fair value recorded in the line item “Mortgage banking income” on the Consolidated Statements of Income. Fair value is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. The Company utilizes forward loan sale contracts and forward sales of residential mortgage-backed securities to mitigate the interest rate risk inherent in the Company’s mortgage loan pipeline and held-for-sale portfolio. Forward sale contracts are contracts for delayed delivery of mortgage loans or a group of loans pooled as mortgage-backed securities. The Company agrees to deliver on a specified future date, a specified instrument, at a specified price or yield. However, the contract may allow for cash settlement. The credit risk inherent to the Company arises from the potential inability of counterparties to meet the terms of their contracts. In the event of non-acceptance by the counterparty, the Company would be subject to the credit and inherent (or market) risk of the loans retained. Such contracts are accounted for as derivatives and, along with related fees paid to investor are recorded at fair value in derivative assets or liabilities, with changes in fair value recorded in the line item “Mortgage banking income” on the Consolidated Statements of Income. Fair value is based on the estimated amounts that the Company would receive or pay to terminate the commitment at the reporting date. The Company utilizes two methods to deliver mortgage loans sold to an investor. Under a “best efforts” sales agreement, the Company enters into a sales agreement with an investor in the secondary market to sell the loan when an interest
Lender risk account	Lender risk account:The Company sells qualified mortgage loans to FHLB-Cincinnati via the Mortgage Purchase Program.  All mortgage loans purchased from members through the MPP are held on the FHLB’s balance sheet. FHLB does not securitize MPP loans for sale to other investors.  They mitigate their credit risk exposure through their underwriting and pool composition requirements and through the establishment of the Lender Risk Account credit enhancement. The LRA protects the FHLB against possible credit losses by setting aside a portion of the initial purchase price into a performance based escrow account that can be used to offset possible loan losses.  The LRA amount is established as a percentage applied to the sum of the initial unpaid principal balance of each mortgage in the aggregated pool at the time of the purchase of the mortgage as determined by the FHLB-Cincinnati and is funded by the deduction from the proceeds of sale of each mortgage in the aggregated pool to the FHLB-Cincinnati.  As of December 31, 2021 and 2020, the Company had on deposit with the FHLB-Cincinnati $17,130 and $12,729, respectively, in these LRA’s. Additionally, as of December 31, 2021 and 2020, the Company estimated the guaranty account to be $8,372 and $6,183, respectively. The Company bears the risk of receiving less than 100% of its LRA contribution in the event of losses, either by the Company or other members selling mortgages in the aggregated pool.  Any losses will be deducted first from the individual LRA contribution of the institution that sold the mortgage of which the loss was incurred. If losses incurred in the aggregated pool are greater than the member’s LRA contribution, such losses will be deducted from the LRA contribution of other members selling mortgages in that aggregated pool.  Any portion of the LRA not used to pay losses will be released over a thirty year period and will not start until the end of five years after the initial fill-up period.
Comprehensive income	Comprehensive income:Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on available-for-sale securities and derivatives designated as cash flow hedges, net of taxes.
Loss contingencies	Loss contingencies:Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements.
Securities sold under agreements to repurchase	Securities sold under agreements to repurchase:The Company routinely sells securities to certain customers and then repurchases the securities the next business day. Securities sold under agreements to repurchase are recorded on the consolidated balance sheets at the amount of cash received in connection with each transaction in the line item "Borrowings". These are secured liabilities and are not covered by the FDIC. See Note 13, "Borrowings" in the Notes to the consolidated financial statements for additional details regarding securities sold under agreements to repurchase.
Advertising expense	Advertising expense:Advertising costs, including costs related to internet mortgage marketing, lead generation, and related costs, are expensed as incurred.
Earnings per common share	Earnings per common share:Basic EPS excludes dilution and is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS includes the dilutive effect of additional potential common shares issuable under the restricted stock units granted but not yet vested and distributable. Diluted EPS is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding for the year, plus an incremental number of common-equivalent shares computed using the treasury stock method. Unvested share-based payment awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered to participate with common shareholders in undistributed earnings for purposes of computing EPS. Companies that have such participating securities, including the Company, are required to calculate basic and diluted EPS using the two-class method. Certain restricted stock awards granted by the Company include non-forfeitable dividend equivalents and are considered participating securities. Calculations of EPS under the two-class method (i) exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities and (ii) exclude from the denominator the dilutive impact of the participating securities. Nearly all the participating securities represented deferred stock units which fully vested in 2019. The remainder of the Company's participating securities did not have a meaningful impact for 2021 and 2020.
Segment reporting	Segment reporting: The Company’s Mortgage division represents a distinct reportable segment that differs from the Company’s primary business of Banking. As previously reported, during the three months ended March 31, 2021, the Company re-evaluated its business segments and revised to align all mortgage activities with the Mortgage segment. Previously, the Company had attributed retail mortgage activities originating from geographical locations within the footprint of the Company's branches to the Banking segment. Results for the comparable prior periods have been revised to reflect this realignment.
Stock-based compensation	Stock-based compensation: The Company grants restricted stock units under compensation arrangements for the benefit of employees, executive officers, and directors. Restricted stock unit grants are subject to time-based vesting. The total number of restricted stock units granted represents the maximum number of restricted stock units eligible to vest based upon the service conditions set forth in the grant agreements. In 2020, the Company started awarding annual grants of performance-based restricted stock units to executives and other employees. Under the terms of the award, the number of units that will vest and convert to shares of common stock will be based on the extent to which the Company achieves specified performance criteria during a fixed three-year performance period. Stock-based compensation expense is recognized in accordance with ASC 718-20, “ Compensation – Stock Compensation Awards Classified as Equity”. Expense is recognized based on the fair value of the portion of stock-based payment awards that are ultimately expected to vest, reduced for forfeitures based on grant-date fair value. The restricted stock unit awards and related expense are amortized over the required service period, if any. Compensation expense for
Subsequent events	Subsequent Events:ASC Topic 855, "Subsequent Events", establishes general standards of accounting for and disclosure of events that occur after the balance sheet date but before financial statements are issued. The Company evaluated events or transactions that occurred after December 31, 2021 through the date of the issued financial statements.
Recently adopted accounting standards and Newly issued not yet effective accounting standards	Recently adopted accounting standards: In June 2018, FASB issued ASU 2018-07, "Compensation-Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting", which expands the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. Consistent with the accounting for employee share-based payment awards, nonemployee share-based payment awards are measured at grant-date fair value of equity instruments obligated to be issued when the good has been delivered or the service rendered and any other conditions necessary to earn the right to benefit from the instruments have been satisfied. This ASU is effective for all entities for fiscal years beginnings after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. The Company adopted the update effective January 1, 2021. The adoption of this standard did not have a significant impact on the consolidated financial statements or disclosures. In January 2021, Financial Accounting Standards Board issued ASU 2021-01, "Reference Rate Reform (Topic 848): Scope". This ASU clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The ASU also amends the expedients and exceptions in Topic 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. The Company early adopted ASU 2021-01 upon issuance effective January 7, 2021. No contract modifications have been made under the new guidance, therefore the adoption of this update did not impact the Company's financial statements or disclosures. Newly issued not yet effective accounting standards: In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” ASU 2020-04 is intended to provide relief for companies preparing for discontinuation of interest rates based on LIBOR. The ASU provides optional expedients and exceptions for applying GAAP to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or other reference rates expected to be discontinued. ASU 2020-04 also provides for a onetime sale and/or transfer to AFS or trading to be made for HTM debt securities that both reference an eligible reference rate and were classified as HTM before January 1, 2020. ASU 2020-04 was effective for all entities as of March 12, 2020 and through December 31, 2022. Companies can apply the ASU as of the beginning of the interim period that includes March 12, 2020 or any date thereafter. The guidance requires companies to apply the guidance prospectively to contract modifications and hedging relationships while the one-time election to sell and/or transfer debt securities classified as HTM may be made any time after March 12, 2020. In January 2021, the FASB issued ASU 2021-01, "Reference Rate Reform (Topic 848): Scope", which addresses questions about whether Topic 848 can be applied to derivative instruments that do not reference a rate that is expected to be discontinued but that use an interest rate for margining, discounting, or contract price alignment that is expected to be modified as a result of reference rate reform, commonly referred to as the “discounting transition.” The amendments clarify that certain optional expedients and exceptions in Topic 848 do apply to derivatives that are affected by the discounting transition. The amendments in ASU 2021-01 are effective immediately. Our LIBOR Transition Committee was established to transition from LIBOR to alternative rates and has continued its efforts consistent with industry timelines. As part of these efforts, during the fourth quarter of 2021, we ceased utilization of LIBOR as an index in newly originated loans or loans that are refinanced. Additionally, we identified existing products that utilize LIBOR and are reviewing contractual language to facilitate the transition to alternative reference rates. ASU 2020-04 and ASU 2021-01 are not expected to have a material impact on our consolidated financial statements.
Credit Quality	Credit Quality The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans that share similar risk characteristics collectively. Loans that do not share similar risk characteristics are evaluated individually. The Company uses the following definitions for risk ratings: Pass. Loans rated Pass include those that are adequately collateralized performing loans which management believes do not have conditions that have occurred or may occur that would result in the loan being downgraded into an inferior category. The Pass category also includes loans rated as Watch, which include those that management believes have conditions that have occurred, or may occur, which could result in the loan being downgraded to an inferior category. Special Mention. Loans rated Special Mention are those that have potential weakness that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Management does not believe there will be a loss of principal or interest. These loans require intensive servicing and may possess more than normal credit risk. Classified. Loans included in the Classified category include loans rated as Substandard and Doubtful. Loans rated as Substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Also included in this category are loans classified as Doubtful, which have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weakness or weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable. The total amortized cost of loans rated as Doubtful were insignificant for all periods presented.
Fair Value of Financial Instruments	Fair value of financial instruments:FASB ASC 820-10 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820-10 also establishes a framework for measuring the fair value of assets and liabilities according to a hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The hierarchy maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that the most observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the asset or liability based on the best information available under the circumstances. The hierarchy is broken down into the following three levels, based on the reliability of inputs: Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that are accessible at the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs for assets or liabilities that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the assets or liabilities. The Company records the fair values of financial assets and liabilities on a recurring and non-recurring basis using the following methods and assumptions: Investment Securities Investment securities are recorded at fair value on a recurring basis. Fair values for securities are based on quoted market prices, where available. If quoted prices are not available, fair values are based on quoted market prices of similar instruments or are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the pricing relationship or correlation among other benchmark quoted securities. Investment securities valued using quoted market prices of similar instruments or that are valued using matrix pricing are classified as Level 2. When significant inputs to the valuation are unobservable, the available-for-sale securities are classified within Level 3 of the fair value hierarchy. Where no active market exists for a security or other benchmark securities, fair value is estimated by the Company with reference to discount margins for other high-risk securities. Loans held for sale Loans held for sale are carried at fair value. Fair value is determined using current secondary market prices for loans with similar characteristics for the mortgage portfolio, that is, using Level 2 inputs. Commercial loans held for sale's fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, credit metrics and collateral value when appropriate. As such, these are considered Level 3. Derivatives The fair value of the Company's interest rate swaps are based upon fair values provided from entities that engage in interest rate swap activity and is based upon projected future cash flows and interest rates. Fair value of commitments is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. These financial instruments are classified as Level 2. OREO OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations and excess land and facilities held for sale. OREO acquired in settlement of indebtedness is recorded at the lower of the carrying amount of the loan or the fair value of the real estate less costs to sell. Fair value is determined on a nonrecurring basis based on appraisals by qualified licensed appraisers and is adjusted for management’s estimates of costs to sell and holding period discounts. The valuations are classified as Level 3. Mortgage servicing rights MSRs are carried at fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. As such, MSRs are considered Level 3. Collateral dependent loans Collateral dependent loans are loans for which, based on current information and events, the Company has determined foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral and it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Collateral dependent loans are classified as Level 3. For collateral dependent loans, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. Fair value of the loan's collateral is determined by third-party appraisals, which are then adjusted for estimated selling and closing costs related to liquidation of the collateral. Collateral dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on changes in market conditions from the time of valuation and management's knowledge of the borrower and borrower's business. As of December 31, 2021 and 2020, total amortized cost of collateral dependent loans measured on a non-recurring basis amounted to $2,255 and $7,839, respectively. Other real estate owned acquired in settlement of indebtedness is recorded at fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Any write-downs based on the asset's fair value at the date of foreclosure are charged to the allowance for credit losses. Appraisals for both collateral dependent loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the lending administrative department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry wide statistics. Collateral dependent loans that are dependent on recovery through sale of equipment, such as farm equipment, automobiles and aircrafts are generally valued based on public source pricing or subscription services while more complex assets are valued through leveraging brokers who have expertise in the collateral involved.

Basis of presentation (Tables)

Basis of presentation (Tables)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Schedule of Basic and Diluted Earnings Per Common Share Calculation	The following is a summary of the basic and diluted earnings per common share calculation for each of the periods presented: Year Ended December 31, 2021 2020 2019 Basic earnings per common share calculation: Net income applicable to FB Financial Corporation $ 190,285 $ 63,621 $ 83,814 Dividends paid on and undistributed earnings allocated to — — (447) Earnings available to common shareholders $ 190,285 $ 63,621 $ 83,367 Weighted average basic shares outstanding 47,431,102 37,621,720 30,870,474 Basic earnings per common share $ 4.01 $ 1.69 $ 2.70 Diluted earnings per common share: Earnings available to common shareholders $ 190,285 $ 63,621 $ 83,367 Weighted average basic shares outstanding 47,431,102 37,621,720 30,870,474 Weighted average diluted shares contingently issuable (1) 524,778 478,024 532,423 Weighted average diluted shares outstanding 47,955,880 38,099,744 31,402,897 Diluted earnings per common share $ 3.97 $ 1.67 $ 2.65 (1)

Mergers and acquisitions (Table

Mergers and acquisitions (Tables)	12 Months Ended
	Dec. 31, 2021
Business Acquisition [Line Items]
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed	The following table summarizes the estimated fair values of assets acquired and liabilities assumed as of the respective acquisition dates: As of August 15, 2020 As of February 14, 2020 Franklin Financial Network, Inc. FNB Financial Corp. ASSETS Cash and cash equivalents $ 284,004 $ 10,774 Investments 373,462 50,594 Mortgage loans held for sale, at fair value 38,740 — Commercial loans held for sale, at fair value 326,206 — Loans held for investment, net of fair value adjustments 2,427,527 182,171 Allowance for credit losses on purchased credit (24,831) (669) Premises and equipment 45,471 8,049 Operating lease right-of-use assets 23,958 14 Mortgage servicing rights 5,111 — Core deposit intangible 7,670 2,490 Other assets 124,571 4,795 Total assets $ 3,631,889 $ 258,218 LIABILITIES Deposits: Noninterest-bearing $ 505,374 $ 63,531 Interest-bearing checking 1,783,379 26,451 Money market and savings 342,093 37,002 Customer time deposits 383,433 82,551 Brokered and internet time deposits 107,452 — Total deposits 3,121,731 209,535 Borrowings 62,435 3,192 Operating lease liabilities 24,330 14 Accrued expenses and other liabilities 12,661 1,754 Total liabilities assumed 3,221,157 214,495 Noncontrolling interests acquired 93 — Net assets acquired $ 410,639 $ 43,723
Schedule of Purchased Credit-deteriorated Loans	As of August 15, 2020 As of February 14, 2020 Franklin Financial Network, Inc. FNB Financial Corp. Purchased credit-deteriorated loans Principal balance $ 693,999 $ 18,964 Allowance for credit losses at acquisition (24,831) (669) Net premium attributable to other factors 8,810 63 Loans purchased credit-deteriorated fair value $ 677,978 $ 18,358
Schedule of Pro Forma Financial Information (Unaudited)	The following unaudited pro forma condensed consolidated financial information presents the results of operations for the year ended December 31, 2020, as though the Franklin and Farmers National acquisitions had been completed as of January 1, 2019. The unaudited estimated pro forma information combines the historical results of the mergers with the Company’s historical consolidated results and includes certain adjustments reflecting the estimated impact of certain fair value adjustments for the periods presented. Merger expenses are reflected in the period they were incurred. The pro forma information is not indicative of what would have occurred had the transactions taken place on January 1, 2019 and does not include the effect of cost-saving or revenue-enhancing strategies. Year Ended December 31, 2020 2019 Net interest income $ 338,092 $ 348,660 Total revenues $ 654,374 $ 504,273 Net income applicable to FB Financial Corporation $ 65,135 $ 99,898
Franklin Financial Network, Inc.
Business Acquisition [Line Items]
Schedule of Consideration Paid and Allocation of Purchase Price to Net Assets Acquired	The following table presents an allocation of the consideration to net assets acquired: Purchase Price: Equity consideration Franklin shares outstanding (1) 15,588,337 Franklin options converted to net shares 62,906 15,651,243 Exchange ratio to FB Financial shares 0.965 FB Financial shares to be issued as merger consideration (2) 15,102,492 Issuance price as of August 15, 2020 $ 29.52 Value of FB Financial stock to be issued as merger consideration $ 445,826 Less: tax withholding on vested restricted stock awards, units and options (3) (1,308) Value of FB Financial stock issued $ 444,518 FB Financial shares issued 15,058,181 Franklin restricted stock units that do not vest on change in control 114,915 Replacement awards issued to Franklin employees 118,776 Fair value of replacement awards $ 3,506 Fair value of replacement awards attributable to pre-combination service $ 674 Cash consideration Total Franklin shares and net shares outstanding 15,651,243 Cash consideration per share $ 2.00 Total cash to be paid to Franklin (4) $ 31,330 Total purchase price $ 477,830 Fair value of net assets acquired 410,639 Goodwill resulting from merger $ 67,191 (1) Franklin shares outstanding includes restricted stock awards and restricted stock units that vested upon change in control. (2) Only factors in whole share issuance. Cash was paid in lieu of fractional shares. (3) Represents the equivalent value of approximately 44,311 shares of FB Financial Corporation stock on August 15, 2020.
FNB Financial Corp.
Business Acquisition [Line Items]
Schedule of Consideration Paid and Allocation of Purchase Price to Net Assets Acquired	The following table presents the total purchase price, fair value of net assets acquired, and the goodwill as of the acquisition date. Consideration: Net shares issued 954,797 Purchase price per share on February 14, 2020 $ 36.70 Value of stock consideration $ 35,041 Cash consideration paid 15,001 Total purchase price $ 50,042 Fair value of net assets acquired 43,723 Goodwill resulting from merger $ 6,319

Investment securities (Tables)

Investment securities (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost of Securities and Fair Values	The following tables summarize the amortized cost, allowance for credit losses and fair value of the available-for-sale debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive income at December 31, 2021 and 2020: December 31, 2021 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 34,023 $ 18 $ (171) $ — $ 33,870 Mortgage-backed securities - residential 1,281,285 6,072 (17,985) — 1,269,372 Mortgage-backed securities - commercial 15,024 272 (46) — 15,250 Municipal securities 322,052 16,718 (160) — 338,610 U.S. Treasury securities 14,914 — (6) — 14,908 Corporate securities 6,500 40 (25) — 6,515 Total $ 1,673,798 $ 23,120 $ (18,393) $ — $ 1,678,525 December 31, 2020 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 2,000 $ 3 $ — $ — $ 2,003 Mortgage-backed securities - residential 760,099 14,040 (803) — 773,336 Mortgage-backed securities - commercial 20,226 1,362 — — 21,588 Municipal securities 336,543 19,806 (20) — 356,329 U.S. Treasury securities 16,480 148 — — 16,628 Corporate securities 2,500 17 (1) — 2,516 Total $ 1,137,848 $ 35,376 $ (824) $ — $ 1,172,400
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	Therefore, mortgage-backed securities are not included in the maturity categories in the following maturity summary. December 31, 2021 2020 Available-for-sale Available-for-sale Amortized cost Fair value Amortized cost Fair value Due in one year or less $ 21,851 $ 21,884 $ 35,486 $ 35,662 Due in one to five years 54,847 55,307 24,278 24,684 Due in five to ten years 45,714 46,975 40,038 41,332 Due in over ten years 255,077 269,737 257,721 275,798 377,489 393,903 357,523 377,476 Mortgage-backed securities - residential 1,281,285 1,269,372 760,099 773,336 Mortgage-backed securities - commercial 15,024 15,250 20,226 21,588 Total debt securities $ 1,673,798 $ 1,678,525 $ 1,137,848 $ 1,172,400
Schedule of Sales and Other Dispositions of Available-for-Sale Securities	Sales and other dispositions of available-for-sale securities were as follows: Year Ended December 31, 2021 2020 2019 Proceeds from sales $ 8,855 $ 146,494 $ 24,498 Proceeds from maturities, prepayments and calls 296,256 220,549 113,018 Gross realized gains 127 1,606 7 Gross realized losses 1 271 98
Schedule of Gross Unrealized Losses	The following tables show gross unrealized losses for which an allowance for credit losses has not been recorded at December 31, 2021 and 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: December 31, 2021 Less than 12 months 12 months or more Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. government agency securities $ 18,360 $ (171) $ — $ — $ 18,360 $ (171) Mortgage-backed securities - residential 871,368 (14,295) 102,799 (3,690) 974,167 (17,985) Mortgage-backed securities - commercial 7,946 (46) — — 7,946 (46) Municipal securities 11,414 (160) — — 11,414 (160) U.S. Treasury securities 14,908 (6) — — 14,908 (6) Corporate securities 4,119 (25) — — 4,119 (25) Total $ 928,115 $ (14,703) $ 102,799 $ (3,690) $ 1,030,914 $ (18,393) December 31, 2020 Less than 12 months 12 months or more Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized loss Mortgage-backed securities - residential $ 182,012 $ (803) $ — $ — $ 182,012 $ (803) Municipal securities 3,184 (20) — — 3,184 (20) Corporate Securities 499 (1) — — 499 (1) Total $ 185,695 $ (824) $ — $ — $ 185,695 $ (824)

Loans and allowance for credi_2

Loans and allowance for credit losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule of Loans Outstanding by Class of Financing Receivable	Loans outstanding as of December 31, 2021 and 2020, by class of financing receivable are as follows: December 31, 2021 2020 Commercial and industrial (1) $ 1,290,565 $ 1,346,122 Construction 1,327,659 1,222,220 Residential real estate: 1-to-4 family mortgage 1,270,467 1,089,270 Residential line of credit 383,039 408,211 Multi-family mortgage 326,551 175,676 Commercial real estate: Owner occupied 951,582 924,841 Non-owner occupied 1,730,165 1,598,979 Consumer and other 324,634 317,640 Gross loans 7,604,662 7,082,959 Less: Allowance for credit losses (125,559) (170,389) Net loans $ 7,479,103 $ 6,912,570 (1) Includes $3,990 and $212,645 of loans originated as part of the Paycheck Protection Program as of December 31, 2021 and 2020, respectively. PPP loans are federally guaranteed as part of the CARES Act, provided PPP loan recipients receive loan forgiveness under the SBA regulations. As such, there is minimal credit risk associated with these loans.
Schedule of Changes in Allowance for Credit Losses by Class of Financing Receivable	The following provide the changes in the allowance for credit losses by class of financing receivable for the years ended December 31, 2021, 2020, and 2019: Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2021 Beginning balance - December 31, 2020 $ 14,748 $ 58,477 $ 19,220 $ 10,534 $ 7,174 $ 4,849 $ 44,147 $ 11,240 $ 170,389 Provision for credit losses 4,178 (29,874) (87) (4,728) (197) 7,588 (16,813) 938 (38,995) Recoveries of loans previously charged-off 861 3 125 115 — 156 — 773 2,033 Loans charged off (4,036) (30) (154) (18) (1) — (1,566) (2,063) (7,868) Ending balance - December 31, 2021 $ 15,751 $ 28,576 $ 19,104 $ 5,903 $ 6,976 $ 12,593 $ 25,768 $ 10,888 $ 125,559 Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2020 Beginning balance - December 31, 2019 $ 4,805 $ 10,194 $ 3,112 $ 752 $ 544 $ 4,109 $ 4,621 $ 3,002 $ 31,139 Impact of adopting ASC 326 on non-purchased credit deteriorated loans 5,300 1,533 7,920 3,461 340 1,879 6,822 3,633 30,888 Impact of adopting ASC 326 on purchased credit deteriorated loans 82 150 421 (3) — 162 184 (438) 558 Provision for credit losses 13,830 40,807 6,408 5,649 5,506 (1,739) 17,789 6,356 94,606 Recoveries of loans previously charged-off 1,712 205 122 125 — 83 — 756 3,003 Loans charged off (11,735) (18) (403) (22) — (304) (711) (2,112) (15,305) Initial allowance on loans purchased with deteriorated credit quality 754 5,606 1,640 572 784 659 15,442 43 25,500 Ending balance - $ 14,748 $ 58,477 $ 19,220 $ 10,534 $ 7,174 $ 4,849 $ 44,147 $ 11,240 $ 170,389 Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2019 Beginning balance - $ 5,348 $ 9,729 $ 3,428 $ 811 $ 566 $ 3,132 $ 4,149 $ 1,769 $ 28,932 Provision for loan losses 2,251 454 (175) 112 (22) 869 484 3,080 7,053 Recoveries of loans 136 11 79 138 — 108 — 634 1,106 Loans charged off (2,930) — (220) (309) — — (12) (2,481) (5,952) Ending balance - $ 4,805 $ 10,194 $ 3,112 $ 752 $ 544 $ 4,109 $ 4,621 $ 3,002 $ 31,139
Schedule of Credit Quality of Loan Portfolio by Year of Origination	The following tables present the credit quality of our loan portfolio by year of origination as of December 31, 2021 and 2020. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 273,232 $ 95,279 $ 140,938 $ 52,162 $ 33,997 $ 57,020 $ 596,667 $ 1,249,295 Special Mention 79 9 949 632 3 1,519 12,367 15,558 Classified 918 2,391 2,376 3,089 3,370 6,425 7,143 25,712 Total 274,229 97,679 144,263 55,883 37,370 64,964 616,177 1,290,565 Construction Pass 677,258 280,828 135,768 23,916 15,313 67,818 117,176 1,318,077 Special Mention 62 184 — — 1,208 1,384 — 2,838 Classified — — 2,922 2,882 3 737 200 6,744 Total 677,320 281,012 138,690 26,798 16,524 69,939 117,376 1,327,659 Residential real estate: 1-to-4 family mortgage Pass 519,946 202,299 119,915 99,479 107,214 194,088 — 1,242,941 Special Mention 736 1,423 877 406 1,166 1,609 — 6,217 Classified 2,083 4,703 1,960 2,707 2,472 7,384 — 21,309 Total 522,765 208,425 122,752 102,592 110,852 203,081 — 1,270,467 Residential line of credit Pass — — — — — — 377,989 377,989 Special Mention — — — — — — 343 343 Classified — — — — — — 4,707 4,707 Total — — — — — — 383,039 383,039 Multi-family mortgage Pass 166,576 32,242 64,345 7,124 5,602 38,526 10,891 325,306 Special Mention — — — — — — — — Classified — — — — — 1,245 — 1,245 Total 166,576 32,242 64,345 7,124 5,602 39,771 10,891 326,551 Commercial real estate: Owner occupied Pass 170,773 131,471 174,257 83,698 69,939 236,998 57,123 924,259 Special Mention — — 1,502 3,541 885 2,555 213 8,696 Classified — — 3,102 768 3,295 9,616 1,846 18,627 Total 170,773 131,471 178,861 88,007 74,119 249,169 59,182 951,582 Non-owner occupied Pass 462,478 154,048 165,917 264,855 170,602 414,859 46,541 1,679,300 Special Mention — — 3,747 3,388 — 969 — 8,104 Classified — — 1,898 23,849 1,506 15,508 — 42,761 Total 462,478 154,048 171,562 292,092 172,108 431,336 46,541 1,730,165 As of December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Total Consumer and other loans Pass 83,022 55,343 38,495 33,257 21,756 73,016 14,089 318,978 Special Mention — — 9 — — 311 — 320 Classified 87 125 322 988 961 2,417 436 5,336 Total 83,109 55,468 38,826 34,245 22,717 75,744 14,525 324,634 Total Loans Pass 2,353,285 951,510 839,635 564,491 424,423 1,082,325 1,220,476 7,436,145 Special Mention 877 1,616 7,084 7,967 3,262 8,347 12,923 42,076 Classified 3,088 7,219 12,580 34,283 11,607 43,332 14,332 126,441 Total $ 2,357,250 $ 960,345 $ 859,299 $ 606,741 $ 439,292 $ 1,134,004 $ 1,247,731 $ 7,604,662 As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 339,074 $ 185,636 $ 70,549 $ 59,917 $ 37,573 $ 42,685 $ 540,960 $ 1,276,394 Special Mention 231 824 561 445 915 2,580 24,826 30,382 Classified 2,501 2,688 11,227 4,425 6,582 1,277 10,646 39,346 Total 341,806 189,148 82,337 64,787 45,070 46,542 576,432 1,346,122 Construction Pass 461,715 390,443 86,490 52,942 40,907 62,890 112,004 1,207,391 Special Mention 469 1,485 2,197 1,221 729 13 — 6,114 Classified 573 1,755 3,178 141 — 3,068 — 8,715 Total 462,757 393,683 91,865 54,304 41,636 65,971 112,004 1,222,220 Residential real estate: 1-to-4 family mortgage Pass 283,107 176,711 164,499 157,731 111,194 162,051 — 1,055,293 Special Mention 1,423 1,829 1,209 753 721 3,865 — 9,800 Classified 448 1,428 3,806 5,473 3,622 9,400 — 24,177 Total 284,978 179,968 169,514 163,957 115,537 175,316 — 1,089,270 Residential line of credit Pass — — — — — — 400,206 400,206 Special Mention — — — — — — 2,653 2,653 Classified — — — — — — 5,352 5,352 Total — — — — — — 408,211 408,211 Multi-family mortgage Pass 29,006 13,446 11,843 46,561 28,330 35,339 11,094 175,619 Special Mention — — — — — — — — Classified — — — — — 57 — 57 Total 29,006 13,446 11,843 46,561 28,330 35,396 11,094 175,676 Commercial real estate: Owner occupied Pass 140,904 179,500 97,577 94,659 76,539 224,108 53,451 866,738 Special Mention 967 1,356 4,251 16,173 6,101 2,466 230 31,544 Classified 44 1,785 2,423 6,074 274 11,226 4,733 26,559 Total 141,915 182,641 104,251 116,906 82,914 237,800 58,414 924,841 Non-owner occupied Pass 166,962 229,442 342,640 221,149 290,163 272,184 38,820 1,561,360 Special Mention — 1,500 6,672 — 207 8,445 — 16,824 Classified — 2,210 1,502 — — 17,083 — 20,795 Total 166,962 233,152 350,814 221,149 290,370 297,712 38,820 1,598,979 Consumer and other loans Pass 89,625 52,839 39,725 27,201 43,503 37,673 14,817 305,383 Special Mention 281 797 1,588 468 526 1,364 11 5,035 Classified 151 565 1,434 1,161 935 2,308 668 7,222 Total 90,057 54,201 42,747 28,830 44,964 41,345 15,496 317,640 As of December 31, 2020 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Total Total Loans Pass 1,510,393 1,228,017 813,323 660,160 628,209 836,930 1,171,352 6,848,384 Special Mention 3,371 7,791 16,478 19,060 9,199 18,733 27,720 102,352 Classified 3,717 10,431 23,570 17,274 11,413 44,419 21,399 132,223 Total $ 1,517,481 $ 1,246,239 $ 853,371 $ 696,494 $ 648,821 $ 900,082 $ 1,220,471 $ 7,082,959
Schedule of Analysis of Aging by Class of Financing Receivable	The following tables represent an analysis of the aging by class of financing receivable as of December 31, 2021 and 2020: December 31, 2021 30-89 days 90 days or Non-accrual Loans current Total Commercial and industrial $ 1,030 $ 63 $ 1,520 $ 1,287,952 $ 1,290,565 Construction 4,852 718 3,622 1,318,467 1,327,659 Residential real estate: 1-to-4 family mortgage 11,007 9,363 4,593 1,245,504 1,270,467 Residential line of credit 319 — 1,736 380,984 383,039 Multi-family mortgage — — 49 326,502 326,551 Commercial real estate: Owner occupied 1,417 — 6,710 943,455 951,582 Non-owner occupied 427 — 14,084 1,715,654 1,730,165 Consumer and other 7,398 1,591 3,254 312,391 324,634 Total $ 26,450 $ 11,735 $ 35,568 $ 7,530,909 $ 7,604,662 December 31, 2020 30-89 days 90 days or Non-accrual Loans current on payments and accruing interest Total Commercial and industrial $ 3,297 $ 330 $ 16,005 $ 1,326,490 $ 1,346,122 Construction 7,607 573 4,053 1,209,987 1,222,220 Residential real estate: 1-to-4 family mortgage 7,058 10,470 5,923 1,065,819 1,089,270 Residential line of credit 3,551 239 1,757 402,664 408,211 Multi-family mortgage — 57 — 175,619 175,676 Commercial real estate: Owner occupied 98 — 7,948 916,795 924,841 Non-owner occupied 915 — 12,471 1,585,593 1,598,979 Consumer and other 4,469 2,027 2,603 308,541 317,640 Total $ 26,995 $ 13,696 $ 50,760 $ 6,991,508 $ 7,082,959
Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans	The following tables provide the amortized cost basis of loans on non-accrual status, as well as any related allowance and interest income as of and for the year ended December 31, 2021 and 2020 by class of financing receivable. December 31, 2021 Non-accrual Non-accrual Related Year to date Interest Income Commercial and industrial $ 1,085 $ 435 $ 6 $ 1,371 Construction 2,882 740 99 156 Residential real estate: 1-to-4 family mortgage 378 4,215 60 314 Residential line of credit 797 939 11 289 Multi-family mortgage — 49 2 3 Commercial real estate: Owner occupied 5,346 1,364 206 536 Non-owner occupied 13,898 186 7 486 Consumer and other — 3,254 164 245 Total $ 24,386 $ 11,182 $ 555 $ 3,400 December 31, 2020 Non-accrual Non-accrual Related Year to date Interest Income Commercial and industrial $ 13,960 $ 2,045 $ 383 $ 325 Construction 3,061 992 131 69 Residential real estate: 1-to-4 family mortgage 3,048 2,875 84 22 Residential line of credit 854 903 31 72 Commercial real estate: Owner occupied 7,172 776 63 89 Non-owner occupied 4,566 7,905 1,711 215 Consumer and other — 2,603 147 24 Total $ 32,661 $ 18,099 $ 2,550 $ 816
Schedule of Financial Effect of TDRs	The following tables present the financial effect of TDRs recorded during the periods indicated. Year Ended December 31, 2021 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 8 $ 15,430 $ 15,430 $ 446 Commercial real estate: Owner occupied 7 5,209 5,209 — Non-owner occupied 1 11,997 11,997 — Residential real estate: 1-to-4 family mortgage 3 945 945 — Residential line of credit 3 485 485 — Multi-family mortgage 1 49 49 — Total 23 $ 34,115 $ 34,115 $ 446 Year Ended December 31, 2020 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 5 $ 2,257 $ 2,257 $ — Commercial real estate: Owner occupied 7 2,794 2,794 — Non-owner occupied 2 3,752 3,752 — Residential real estate: 1-4 family mortgage 3 618 618 — Residential line of credit 1 95 95 — Total 18 $ 9,516 $ 9,516 $ — Year Ended December 31, 2019 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 3 $ 3,204 $ 3,204 $ — Construction 2 1,085 1,085 — Commercial real estate: Owner occupied 2 1,494 1,495 — Non-owner occupied 1 1,366 1,366 106 Residential real estate: 1-4 family mortgage 2 175 175 — Residential line of credit 2 333 333 9 Total 12 $ 7,657 $ 7,658 $ 115
Schedule of Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans	For loans for which the repayment (based on the Company's assessment is expected to be provided substantially through the operation or sale of collateral and the borrower is experiencing financial difficulty, the following tables present the loans and the corresponding individually assessed allowance for credit losses by class of financing receivable. Significant changes in individually assessed reserves are due to changes in the valuation of the underlying collateral in addition to changes in accrual and past due status. December 31, 2021 Type of Collateral Real Estate Financial Assets and Equipment Total Individually assessed allowance for credit loss Commercial and industrial $ 799 $ 1,090 $ 1,889 $ — Construction 3,580 — 3,580 92 Residential real estate: 1-to-4 family mortgage 338 — 338 — Residential line of credit 1,400 — 1,400 10 Commercial real estate: Owner occupied 8,117 71 8,188 200 Non-owner occupied 13,899 — 13,899 — Consumer and other 25 — 25 1 Total $ 28,158 $ 1,161 $ 29,319 $ 303 December 31, 2020 Type of Collateral Real Estate Financial Assets and Equipment Total Individually assessed allowance for credit loss Commercial and industrial $ — $ 1,728 $ 1,728 $ 117 Construction 3,877 — 3,877 — Residential real estate: 1-to-4 family mortgage 226 — 226 — Residential line of credit 1,174 — 1,174 9 Commercial real estate: Owner occupied 3,391 — 3,391 30 Non-owner occupied 8,164 — 8,164 1,531 Total $ 16,832 $ 1,728 $ 18,560 $ 1,687
Schedule of Financing Receivables Under Deferral Program Included in Covid-19 Relief	The following table outlines the Company's recorded investment and percentage of loans held for investment by class of financing receivable for executed deferrals remaining on deferral status as of December 31, 2020, in connection with Company's COVID-19 relief programs. There were no such loans outstanding as of December 31, 2021. These deferrals typically ranged from sixty December 31, 2020 % of Loans Commercial and industrial $ 7,118 0.5 % Construction 1,918 0.2 % Residential real estate: 1-to-4 family mortgage 19,201 1.8 % Residential line of credit 204 — % Multi-family mortgage 3,305 1.9 % Commercial real estate: Owner occupied 19,815 2.1 % Non-owner occupied 139,590 8.7 % Consumer and other 11,366 3.6 % Total $ 202,517 2.9 %
Schedule of Average Recorded Investment and Interest Income on Cash Basis Recognized on Impaired Loans	Average recorded investment on impaired loans recognized in conformity with ASC 310 and interest income on a cash basis recognized during the year ended December 31, 2019, segregated by class, were as follows: December 31, 2019 Average recorded investment Interest income recognized (cash basis) With a related allowance recorded: Commercial and industrial $ 3,349 $ 474 Residential real estate: 1-to-4 family mortgage 205 13 Commercial real estate: Owner occupied 658 27 Non-owner occupied 6,196 109 Total $ 10,568 $ 624 With no related allowance recorded: Commercial and industrial $ 2,088 $ 201 Construction 1,641 167 Residential real estate: 1-to-4 family mortgage 963 68 Residential line of credit 252 1 Commercial real estate: Owner occupied 2,143 133 Non-owner occupied 1,049 — Consumer and other 61 5 Total $ 8,197 $ 575 Total impaired loans $ 18,765 $ 1,199
Schedule of Changes in Fair Value of the Accretable Yield for PCI Loans	The following table presents changes in the value of the accretable yield for PCI loans for the year ended December 31, 2019. Year Ended December 31, 2019 Balance at the beginning of period $ (16,587) Additions through business combinations (1,167) Principal reductions and other reclassifications from nonaccretable difference 61 Accretion 7,003 Changes in expected cash flows (360) Balance at end of period $ (11,050)

Premises and equipment (Tables)

Premises and equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment and Related Accumulated Depreciation	Premises and equipment and related accumulated depreciation as of December 31, 2021 and 2020, are as follows: 2021 2020 Land $ 33,151 $ 33,151 Premises 109,357 108,579 Furniture and fixtures 25,611 26,729 Leasehold improvements 18,531 18,429 Equipment 22,781 16,904 Construction in process 1,705 1,501 Finance lease 1,487 1,588 212,623 206,881 Less: accumulated depreciation and amortization (68,884) (61,766) Total Premises and Equipment $ 143,739 $ 145,115

Other real estate owned (Tables

Other real estate owned (Tables)	12 Months Ended
	Dec. 31, 2021
Real Estate [Abstract]
Schedule of Other Real Estate Owned	The following table summarizes the other real estate owned for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Balance at beginning of period $ 12,111 $ 18,939 $ 12,643 Transfers from loans 5,262 2,746 5,487 Transfers to premises and equipment — (841) 4,290 Proceeds from sale of other real estate (9,396) (6,937) (3,860) Gain on sale of other real estate owned 3,248 354 1,058 Loans provided for sales of other real (704) (305) (166) Write-downs and partial liquidations (744) (1,845) (513) Balance at end of period $ 9,777 $ 12,111 $ 18,939

Goodwill and intangible assets

Goodwill and intangible assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill Activity	Goodwill Balance at December 31, 2019 $ 169,051 Addition from acquisition of Farmers National 6,319 Addition from acquisition of Franklin 67,191 Balance at December 31, 2020 $ 242,561 Balance at December 31, 2021 $ 242,561
Schedule of Core Deposit and Other Intangibles	The composition of core deposit and other intangibles as of December 31, 2021 and 2020 is as follows: Core deposit and other intangibles Gross Carrying Amount Accumulated Amortization Net Carrying Amount December 31, 2021 Core deposit intangible $ 59,835 $ (43,902) $ 15,933 Customer base trust intangible 1,600 (707) 893 Manufactured housing servicing intangible 1,088 (961) 127 Total core deposit and other intangibles $ 62,523 $ (45,570) $ 16,953 December 31, 2020 Core deposit intangible $ 59,835 $ (38,807) $ 21,028 Customer base trust intangible 1,600 (547) 1,053 Manufactured housing servicing intangible 1,088 (743) 345 Total core deposit and other intangibles $ 62,523 $ (40,097) $ 22,426
Schedule of Estimated Aggregate Amortization Expense of Core Deposit and Other Intangibles	The estimated aggregate future amortization expense of core deposit and other intangibles is as follows: 2022 $ 4,586 2023 3,658 2024 2,946 2025 2,306 2026 1,563 Thereafter 1,894 $ 16,953

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Schedule of Information Related to Company's Leases and Lease Expense	Information related to the Company's leases is presented below as of December 31, 2021 and 2020: December 31, December 31, Classification 2021 2020 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 41,686 $ 49,537 Finance leases Premises and equipment, net 1,487 1,588 Total right-of-use assets $ 43,173 $ 51,125 Lease liabilities: Operating leases Operating lease liabilities $ 46,367 $ 55,187 Finance leases Borrowings 1,518 1,598 Total lease liabilities $ 47,885 $ 56,785 Weighted average remaining lease term (in years) - operating 12.4 12.2 Weighted average remaining lease term (in years) - finance 13.4 14.4 Weighted average discount rate - operating 2.73 % 2.65 % Weighted average discount rate - finance 1.76 % 1.76 % The components of total lease expense included in the consolidated statements of income were as follows: Year Ended December 31, Classification 2021 2020 2019 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 7,636 $ 6,228 $ 5,057 Short-term lease cost Occupancy and equipment 427 456 365 Variable lease cost Occupancy and equipment 1,003 602 682 Gain on lease modifications and Occupancy and equipment (805) — — Finance lease costs: Interest on lease liabilities Interest expense on borrowings 25 11 — Amortization of right-of-use asset Occupancy and equipment 101 43 — Lease impairment Merger costs — 2,142 — Total lease cost $ 8,387 $ 9,482 $ 6,104
Schedule of Maturity Analysis of Operating Lease Liabilities	A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to the total lease liability as of December 31, 2021 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2022 $ 7,245 $ 116 December 31, 2023 5,763 118 December 31, 2024 5,019 120 December 31, 2025 4,760 121 December 31, 2026 4,635 123 Thereafter 28,461 1,102 Total undiscounted future minimum lease payments 55,883 1,700 Less: imputed interest (9,516) (182) Lease liability $ 46,367 $ 1,518
Schedule of Maturity of Finance Lease Liabilities	A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to the total lease liability as of December 31, 2021 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2022 $ 7,245 $ 116 December 31, 2023 5,763 118 December 31, 2024 5,019 120 December 31, 2025 4,760 121 December 31, 2026 4,635 123 Thereafter 28,461 1,102 Total undiscounted future minimum lease payments 55,883 1,700 Less: imputed interest (9,516) (182) Lease liability $ 46,367 $ 1,518

Mortgage servicing rights (Tabl

Mortgage servicing rights (Tables)	12 Months Ended
	Dec. 31, 2021
Transfers and Servicing of Financial Assets [Abstract]
Schedule of Changes in Mortgage Servicing Rights	Changes in the Company’s mortgage servicing rights were as follows for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Carrying value at beginning of period $ 79,997 $ 75,521 $ 88,829 Capitalization 39,018 47,025 42,151 Mortgage servicing rights acquired from Franklin, at fair — 5,111 — Sales — — (29,160) Change in fair value: Due to pay-offs/pay-downs (30,583) (27,834) (16,350) Due to change in valuation inputs or assumptions 27,080 (19,826) (9,949) Carrying value at end of period $ 115,512 $ 79,997 $ 75,521
Schedule of Servicing Income and Expense Included in Mortgage Banking Income	The following table summarizes servicing income and expense, which are included in 'Mortgage banking income' and 'Other noninterest expense', respectively, within the Mortgage segment operating results for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Servicing income: Servicing income $ 28,890 $ 22,128 $ 17,677 Change in fair value of mortgage servicing rights (3,503) (47,660) (26,299) Change in fair value of derivative hedging instruments (8,614) 13,286 9,310 Servicing income (loss) 16,773 (12,246) 688 Servicing expenses 9,862 7,890 6,832 Net servicing income (loss) (1) $ 6,911 $ (20,136) $ (6,144) (1) Excludes benefit of custodial servicing related noninterest-bearing deposits held by the Bank.
Schedule of Data and Key Economic Assumptions Related to Mortgage Servicing Rights	Data and key economic assumptions related to the Company’s mortgage servicing rights as of December 31, 2021 and 2020 are as follows: December 31, 2021 2020 Unpaid principal balance $ 10,759,286 $ 9,787,657 Weighted-average prepayment speed (CPR) 9.31 % 14.07 % Estimated impact on fair value of a 10% increase $ (4,905) $ (4,493) Estimated impact on fair value of a 20% increase $ (9,429) $ (8,599) Discount rate 9.81 % 11.49 % Estimated impact on fair value of a 100 bp increase $ (4,785) $ (2,942) Estimated impact on fair value of a 200 bp increase $ (9,198) $ (5,674) Weighted-average coupon interest rate 3.23 % 3.58 % Weighted-average servicing fee (basis points) 27 28 Weighted-average remaining maturity (in months) 330 328

Other assets and other liabil_2

Other assets and other liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Other Assets And Other Liabilities [Abstract]
Schedule of Other Assets	Included in other assets are: As of December 31, Other assets 2021 2020 Prepaid expenses $ 12,371 $ 7,332 Software 578 1,147 Mortgage lending receivable 12,078 14,100 Derivatives (See Note 17) 27,384 68,938 Deferred tax asset (See Note 14) — 16,396 FHLB lender risk account receivable (See Note 1) 17,130 12,729 Pledged collateral on derivative instruments 57,868 57,985 Other assets 44,827 23,512 Total other assets $ 172,236 $ 202,139
Schedule of Other Liabilities	Included in other liabilities are: As of December 31, Other liabilities 2021 2020 Deferred compensation $ 2,173 $ 2,581 Accrued payroll 22,138 35,827 Mortgage buyback reserve 4,802 5,928 Accrued interest 3,162 6,772 Derivatives (See Note 17) 21,000 48,242 Deferred tax liability (See Note 14) 6,820 — FHLB lender risk account guaranty 8,372 6,183 Reserve for unfunded commitments 14,380 16,378 Other liabilities 27,102 42,489 Total other liabilities $ 109,949 $ 164,400

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Schedule of Maturities of Time Deposits	At December 31, 2021, the scheduled maturities of time deposits are as follows: Scheduled maturities of time deposits Due on or before: December 31, 2022 $ 812,377 December 31, 2023 211,512 December 31, 2024 58,449 December 31, 2025 22,217 December 31, 2026 26,474 Thereafter 52 Total $ 1,131,081

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments	Borrowings include securities sold under agreements to repurchase, lines of credit, and subordinated debt. Outstanding Balance Weighted Average Interest Rate December 31, December 31, 2021 2020 2021 2020 Securities sold under agreements to repurchase $ 40,716 $ 32,199 0.21 % 0.47 % Subordinated debt 129,544 189,527 4.24 % 5.10 % Other borrowings 1,518 16,598 1.76 % 1.88 % Total $ 171,778 $ 238,324
Schedule of Securities Sold under Agreement to Repurchase	Information concerning securities sold under agreement to repurchase is summarized as follows: December 31, 2021 December 31, 2020 Balance at year end $ 40,716 $ 32,199 Average daily balance during the year 36,453 32,912 Average interest rate during the year 0.27 % 0.61 % Maximum month-end balance during the year $ 41,730 $ 40,282 Weighted average interest rate at year-end 0.21 % 0.47 %

Income taxes (Tables)

Income taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of Allocation of Federal and State Income Taxes between Current and Deferred Portions	An allocation of federal and state income taxes between current and deferred portions is presented below: Year Ended December 31, 2021 2020 2019 Current $ 21,980 $ 44,362 $ 27,641 Deferred 30,770 (25,530) (1,916) Total $ 52,750 $ 18,832 $ 25,725
Schedule of Reconciliation of Income Taxes Computed at the United States Federal Statutory Tax Rates to the Provision for Income Taxes	The following table presents a reconciliation of federal income taxes at the statutory federal rate of 21% to the Company's effective tax rates for the years ended December 31, 2021, 2020, and 2019: Year Ended December 31, 2021 2020 2019 Federal taxes calculated at statutory rate $ 51,041 21.0 % $ 17,317 21.0 % $ 23,003 21.0 % Increase (decrease) resulting from: State taxes, net of federal benefit 8,788 3.5 % 3,197 3.8 % 4,792 4.4 % (Benefit) expense from equity based compensation (2,719) (1.1) % 153 0.2 % (1,353) (1.2) % Municipal interest income, net of interest (1,818) (0.8) % (1,507) (1.8) % (908) (0.8) % Bank-owned life insurance (324) (0.1) % (327) (0.4) % (51) (0.1) % NOL Carryback provision under CARES Act (3,424) (1.4) % — — % — — % Merger and offering costs 123 0.1 % 289 0.4 % 66 0.1 % Section 162(m) limitation 1,381 0.6 % — — % — — % Other (298) (0.1) % (290) (0.4) % 176 0.1 % Income tax expense, as reported $ 52,750 21.7 % $ 18,832 22.8 % $ 25,725 23.5 %
Schedule of Net Deferred Tax (Liabilities) Assets	The components of the net deferred tax (liabilities) assets at December 31, 2021 and 2020, are as follows: December 31, 2021 2020 Deferred tax assets: Allowance for credit losses $ 35,233 $ 48,409 Operating lease liabilities 12,478 14,496 Federal net operating loss 1,370 1,753 Deferred compensation 5,484 8,872 Unrealized loss on cash flow hedges 205 499 Other assets 8,301 19,101 Subtotal 63,071 93,130 Deferred tax liabilities: FHLB stock dividends $ (484) $ (561) Operating leases - right of use assets (11,287) (13,197) Depreciation (7,938) (7,491) Amortization of core deposit intangibles (116) (684) Unrealized gain on equity securities (2,407) (17) Unrealized gain on debt securities (1,324) (13,027) Mortgage servicing rights (30,098) (20,803) Goodwill (13,743) (11,301) Other liabilities (2,494) (9,653) Subtotal (69,891) (76,734) Net deferred tax (liabilities) assets $ (6,820) $ 16,396

Commitments and contingencies (

Commitments and contingencies (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedule of Financial Instruments with Off-Balance Sheet Credit Risk	December 31, 2021 2020 Commitments to extend credit, excluding interest rate lock commitments $ 3,106,594 $ 2,719,996 Letters of credit 77,427 67,598 Balance at end of period $ 3,184,021 $ 2,787,594
Schedule of Allowance of Credit Losses on Unfunded Commitments	The table below presents activity within the allowance for credit losses on unfunded commitments included in accrued expenses and other liabilities on the Company's consolidated balance sheets for the years ended December 31, 2021 and 2020: Year Ended December 31, 2021 2020 Balance at beginning of period $ 16,378 $ — Impact of CECL adoption on provision for credit losses on unfunded commitments — 2,947 Increase in provision for credit losses from unfunded commitments acquired in business combination — 10,499 Provision for credit losses on unfunded commitments (1,998) 2,932 Balance at end of period $ 14,380 $ 16,378
Schedule of Activity in the Repurchase Reserve	The following table summarizes the activity in the repurchase reserve included in accrued expenses and other liabilities on the Company's consolidated balance sheets: Year Ended December 31, 2021 2020 2019 Balance at beginning of period $ 5,928 $ 3,529 $ 3,273 Provision for loan repurchases or indemnifications (766) 2,607 362 Losses on loans repurchased or indemnified (360) (208) (106) Balance at end of period $ 4,802 $ 5,928 $ 3,529

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Financial Instruments	The following tables provide details on the Company’s derivative financial instruments as of the dates presented: December 31, 2021 Notional Amount Asset Liability Not designated as hedging: Interest rate contracts $ 600,048 $ 19,265 $ 19,138 Forward commitments 1,180,000 — 1,077 Interest rate-lock commitments 487,396 7,197 — Futures contracts 429,000 922 — Total $ 2,696,444 $ 27,384 $ 20,215 December 31, 2020 Notional Amount Asset Liability Not designated as hedging: Interest rate contracts $ 606,878 $ 34,547 $ 34,317 Forward commitments 1,358,328 — 11,633 Interest rate-lock commitments 1,191,621 34,391 — Futures contracts 375,400 — 383 Total $ 3,532,227 $ 68,938 $ 46,333 December 31, 2021 Notional Amount Asset Liability Designated as hedging: Interest rate swaps $ 30,000 $ — $ 785 December 31, 2020 Notional Amount Asset Liability Designated as hedging: Interest rate swaps $ 30,000 $ — $ 1,909
Schedule of Gains (Losses) Included in the Consolidated Statements of Income Related to Derivative Financial Instruments	Gains (losses) included in the consolidated statements of income related to the Company’s derivative financial instruments were as follows: Year Ended December 31, 2021 2020 2019 Not designated as hedging instruments (included in mortgage banking income): Interest rate lock commitments $ (27,194) $ 27,339 $ (2,112) Forward commitments 25,661 (73,033) 12,170 Futures contracts (7,949) 8,151 (6,723) Option contracts — — (47) Total $ (9,482) $ (37,543) $ 3,288 Year Ended December 31, 2021 2020 2019 Designated as hedging: Amount of gain reclassified from other comprehensive income and recognized in interest expense on borrowings, net of tax expenses of $0, $337 and $170 $ — $ 955 $ 481 Loss included in interest expense on borrowings (577) (353) 115 Total $ (577) $ 602 $ 596 The following discloses the amount included in other comprehensive income, net of tax, for derivative instruments designated as cash flow hedges for the periods presented: Year Ended December 31, 2021 2020 2019 Designated as hedging: Amount of gain (loss) recognized in other comprehensive income, net of tax expense (benefit) $293, $(363) and $(322) $ 831 $ (1,031) $ (914)
Schedule of Offsetting Assets	The following table presents the Company's gross derivative positions as recognized in the consolidated balance sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement: Offsetting Derivative Assets Offsetting Derivative Liabilities December 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Gross amounts recognized $ 4,990 $ 3,863 $ 15,733 $ 34,051 Gross amounts offset in the consolidated balance sheets — — — — Net amounts presented in the consolidated balance sheets 4,990 3,863 15,733 34,051 Gross amounts not offset in the consolidated balance sheets Less: financial instruments 4,297 857 4,297 857 Less: financial collateral pledged — — 11,436 33,194 Net amounts $ 693 $ 3,006 $ — $ —
Schedule of Offsetting Liabilities	The following table presents the Company's gross derivative positions as recognized in the consolidated balance sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement: Offsetting Derivative Assets Offsetting Derivative Liabilities December 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Gross amounts recognized $ 4,990 $ 3,863 $ 15,733 $ 34,051 Gross amounts offset in the consolidated balance sheets — — — — Net amounts presented in the consolidated balance sheets 4,990 3,863 15,733 34,051 Gross amounts not offset in the consolidated balance sheets Less: financial instruments 4,297 857 4,297 857 Less: financial collateral pledged — — 11,436 33,194 Net amounts $ 693 $ 3,006 $ — $ —

Fair value of financial instr_2

Fair value of financial instruments (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Schedule of Estimated Fair Values and Carrying Values of Financial Instruments	The following table contains the estimated fair values and the related carrying values of the Company's financial instruments. Items which are not financial instruments are not included. Fair Value December 31, 2021 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,797,740 $ 1,797,740 $ — $ — $ 1,797,740 Investment securities 1,681,892 — 1,681,892 — 1,681,892 Loans, net 7,479,103 — — 7,566,717 7,566,717 Loans held for sale 752,223 — 672,924 79,299 752,223 Interest receivable 38,528 36 6,461 32,031 38,528 Mortgage servicing rights 115,512 — — 115,512 115,512 Derivatives 27,384 — 27,384 — 27,384 Financial liabilities: Deposits: Without stated maturities $ 9,705,816 $ 9,705,816 $ — $ — $ 9,705,816 With stated maturities 1,131,081 — 1,137,647 — 1,137,647 Securities sold under agreement to repurchase and federal funds sold 40,716 40,716 — — 40,716 Subordinated debt 129,544 — — 133,021 133,021 Interest payable 3,162 140 1,510 1,512 3,162 Derivatives 21,000 — 21,000 — 21,000 Fair Value December 31, 2020 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,317,898 $ 1,317,898 $ — $ — $ 1,317,898 Investment securities 1,176,991 — 1,176,991 — 1,176,991 Loans, net 6,912,570 — — 7,058,693 7,058,693 Loans held for sale 899,173 — 683,770 215,403 899,173 Interest receivable 43,603 33 5,254 38,316 43,603 Mortgage servicing rights 79,997 — — 79,997 79,997 Derivatives 68,938 — 68,938 — 68,938 Financial liabilities: Deposits: Without stated maturities $ 8,020,783 $ 8,020,783 $ — $ — $ 8,020,783 With stated maturities 1,437,254 — 1,446,605 — 1,446,605 Securities sold under agreement to repurchase and federal funds sold 32,199 32,199 — — 32,199 Subordinated debt 189,527 — — 192,149 192,149 Other borrowings 15,000 — 15,000 — 15,000 Interest payable 6,772 327 4,210 2,235 6,772 Derivatives 48,242 — 48,242 — 48,242
Schedule of Balances and Levels of Assets Measured at Fair Value on Recurring Basis	The balances and levels of the assets measured at fair value on a recurring basis at December 31, 2021 are presented in the following table: At December 31, 2021 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 33,870 $ — $ 33,870 Mortgage-backed securities - residential — 1,269,372 — 1,269,372 Mortgage-backed securities - commercial — 15,250 — 15,250 Municipal securities — 338,610 — 338,610 Treasury securities — 14,908 — 14,908 Corporate securities — 6,515 — 6,515 Equity securities — 3,367 — 3,367 Total securities $ — $ 1,681,892 $ — $ 1,681,892 Loans held for sale $ — $ 672,924 $ 79,299 $ 752,223 Mortgage servicing rights — — 115,512 115,512 Derivatives — 27,384 — 27,384 Financial Liabilities: Derivatives — 21,000 — 21,000 The balances and levels of the assets measured at fair value on a recurring basis at December 31, 2020 are presented in the following table: At December 31, 2020 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 2,003 $ — $ 2,003 Mortgage-backed securities - residential — 773,336 — 773,336 Mortgage-backed securities - commercial — 21,588 — 21,588 Municipal securities — 356,329 — 356,329 Treasury securities — 16,628 — 16,628 Corporate securities — 2,516 — 2,516 Equity securities — 4,591 — 4,591 Total securities $ — $ 1,176,991 $ — $ 1,176,991 Loans held for sale $ — $ 683,770 $ 215,403 $ 899,173 Mortgage servicing rights — — 79,997 79,997 Derivatives — 68,938 — 68,938 Financial Liabilities: Derivatives — 48,242 — 48,242
Schedule of Balances and Levels of Assets Measured at Fair Value on Non-recurring Basis	The balances and levels of the assets measured at fair value on a non-recurring basis at December 31, 2021 are presented in the following table: At December 31, 2021 Quoted prices Significant Significant unobservable Total Non-recurring valuations: Financial assets: Other real estate owned $ — $ — $ 6,308 $ 6,308 Collateral dependent loans: Construction $ — $ — $ 606 $ 606 Residential real estate: Residential line of credit — — 592 592 Commercial real estate: Owner occupied — — 729 729 Non-owner occupied — — 3,526 3,526 Consumer and other — — 24 24 Total collateral dependent loans $ — $ — $ 5,477 $ 5,477 The balances and levels of the assets measured at fair value on a non-recurring basis at December 31, 2020 are presented in the following table: At December 31, 2020 Quoted prices Significant Significant unobservable Total Non-recurring valuations: Financial assets: Other real estate owned $ — $ — $ 6,662 $ 6,662 Collateral dependent loans: Commercial and industrial $ — $ — $ 684 $ 684 Residential real estate: Residential line of credit — — 311 311 Commercial real estate: Owner occupied — — 136 136 Non-owner occupied — — 5,022 5,022 Total collateral dependent loans $ — $ — $ 6,153 $ 6,153
Schedule of Information About Significant Unobservable Inputs (Level 3) Used in Valuation of Assets Measured at Fair Value on Nonrecurring Basis	The following tables present information as of December 31, 2021 and 2020 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: As of December 31, 2021 Financial instrument Fair Value Valuation technique Significant Range of Collateral dependent loans $ 5,477 Valuation of collateral Discount for comparable sales 10%-35% Other real estate owned $ 6,308 Appraised value of property less costs to sell Discount for costs to sell 0%-15% As of December 31, 2020 Financial instrument Fair Value Valuation technique Significant Range of Collateral dependent loans $ 6,153 Valuation of collateral Discount for comparable sales 0%-30% Other real estate owned $ 6,662 Appraised value of property less costs to sell Discount for costs to sell 0%-15%
Schedule of Loans Held For Sale at Fair Value	The following table summarizes the Company's loans held for sale, at fair value, as of the dates presented: December 31, 2021 2020 Commercial and industrial $ 79,299 $ 215,403 Residential real estate: 1-4 family mortgage 672,924 683,770 Total loans held for sale $ 752,223 $ 899,173
Schedule of Changes in Associated with Commercial Loans Held For Sale	The following table sets forth the changes in fair value associated with this portfolio. Year Ended December 31, 2021 Principal Balance Fair Value Discount Fair Value Carrying value at beginning of period $ 239,063 $ (23,660) $ 215,403 Change in fair value: Pay-downs and pay-offs (141,002) — (141,002) Write-offs to discount (8,563) 8,563 — Changes in valuation included in other noninterest income (2,736) 7,634 4,898 Carrying value at end of period $ 86,762 $ (7,463) $ 79,299 In addition to the gain of $4,898 recognized on the change in fair value of the portfolio during the year ended December 31, 2021, the Company recognized an additional gain of $6,274 related to the pay-off of a loan that had been partially charged off prior to acquisition of the portfolio. Year Ended December 31, 2020 Principal balance Fair Value discount Fair Value Carrying value at beginning of period $ — $ — $ — Commercial loans held for sale acquired from Franklin 350,269 (24,063) 326,206 Change in fair value: Pay-downs and pay-offs (111,206) — (111,206) Write-offs to discount — (2,825) (2,825) Changes in valuation included in other noninterest income — 3,228 3,228 Carrying value at end of period $ 239,063 $ (23,660) $ 215,403
Schedule of Differences between Fair Value and Principal Balance for Loans Held for Sale Measured at Fair Value	The following table summarizes the differences between the fair value and the principal balance for loans held for sale and nonaccrual loans measured at fair value as of December 31, 2021 and 2020: December 31, 2021 Aggregate Aggregate Unpaid Principal Balance Difference Mortgage loans held for sale measured at fair value $ 672,924 $ 658,017 $ 14,907 Commercial loans held for sale measured at fair value 74,082 76,863 (2,781) Nonaccrual loans 5,217 9,899 (4,682) December 31, 2020 Mortgage loans held for sale measured at fair value $ 683,770 $ 651,887 $ 31,883 Commercial loans held for sale measured at fair value 208,914 226,867 (17,953) Past due loans of 90 days or more 83 163 (80) Nonaccrual loans 6,406 12,033 (5,627)

Parent company financial stat_2

Parent company financial statements (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Balance Sheet	As of December 31, Balance sheet 2021 2020 Assets Cash and cash equivalents (1) $ 21,515 $ 5,310 Equity securities, at fair value — 1,173 Investment in subsidiaries (1) 1,427,784 1,378,347 Other assets 14,487 12,240 Goodwill 29 29 Total assets $ 1,463,815 $ 1,397,099 Liabilities and shareholders' equity Liabilities Borrowings $ 30,930 $ 106,299 Accrued expenses and other liabilities 283 (489) Total liabilities 31,213 105,810 Shareholders' equity Common stock 47,549 47,222 Additional paid-in capital 892,529 898,847 Retained earnings 486,666 317,625 Accumulated other comprehensive income 5,858 27,595 Total shareholders' equity 1,432,602 1,291,289 Total liabilities and shareholders' equity $ 1,463,815 $ 1,397,099 (1) Eliminates in Consolidation
Income Statements	For the years ended December 31, Income Statements 2021 2020 2019 Income Dividend income from bank subsidiary (1) $ 122,500 $ 49,706 $ — Dividend income from nonbank subsidiary (1) 2,525 — — Gain on investments 249 217 — Loss on other assets — — (16) Other income 15 1,732 211 Total income 125,289 51,655 195 Expenses Interest expense 2,455 3,122 1,638 Salaries, legal and professional fees 1,445 1,458 1,056 Other noninterest expense 1,812 283 120 Total expenses 5,712 4,863 2,814 Income (loss) before income tax benefit and equity in undistributed 119,577 46,792 (2,619) Federal and state income tax benefit (2,992) (1,155) (683) Income (loss) before equity in undistributed earnings of subsidiaries 122,569 47,947 (1,936) Equity in undistributed earnings from bank subsidiary (1) 68,351 15,168 85,750 Equity in undistributed earnings from nonbank subsidiary (1) $ (635) $ 506 $ — Net income $ 190,285 $ 63,621 $ 83,814 (1) Eliminates in Consolidation
Statement of Cash Flows	For the years ended December 31, Statement of Cash Flows 2021 2020 2019 Operating Activities Net income $ 190,285 $ 63,621 $ 83,814 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of bank subsidiary (68,351) (15,168) (85,750) Equity in undistributed income of nonbank subsidiary 635 (506) — Gain on investments (249) (217) — Loss on other assets — — 16 Stock-based compensation expense 10,282 10,214 7,089 (Increase) decrease in other assets (3,916) (9,717) 1,056 Decrease in other liabilities (10,836) (13,363) (9,711) Net cash provided by (used in) operating activities 117,850 34,864 (3,486) Investing Activities Net cash paid in business combinations (See Note 2) — (35,505) — Proceeds from sale of equity securities 1,422 — — Net cash provided by (used in) investing activities 1,422 (35,505) — Financing Activities Accretion of interest rate premium on subordinated debt (369) (436) — Payment of dividends (21,583) (14,264) (10,045) Payments on subordinated debt (60,000) — — Payments on other borrowings (15,000) — — Proceeds from other borrowings — 15,000 — Net proceeds from sale of common stock 1,480 978 804 Repurchase of Common Stock (7,595) — — Net cash (used in) provided by financing activities (103,067) 1,278 (9,241) Net increase (decrease) in cash and cash equivalents 16,205 637 (12,727) Cash and cash equivalents at beginning of year 5,310 4,673 17,400 Cash and cash equivalents at end of year $ 21,515 $ 5,310 $ 4,673 Supplemental noncash disclosures: Dividends declared not paid on restricted stock units $ 400 $ 238 $ 149 Noncash dividend from bank subsidiary — 956 — Noncash security distribution to bank subsidiary 2,646 — —

Segment reporting (Tables)

Segment reporting (Tables)	12 Months Ended
	Dec. 31, 2021
Segment Reporting [Abstract]
Schedule of Segment Financial Information	The following tables provide segment financial information for years ended December 31, 2021, 2020, and 2019 as follows: Year Ended December 31, 2021 Banking Mortgage Consolidated Net interest income $ 347,342 $ 28 $ 347,370 Provisions for credit losses (1) (40,993) — (40,993) Mortgage banking income (2) — 179,682 179,682 Change in fair value of mortgage servicing rights, net of hedging (2) — (12,117) (12,117) Other noninterest income 61,073 (383) 60,690 Depreciation and amortization 7,054 1,362 8,416 Amortization of intangibles 5,473 — 5,473 Other noninterest expense 220,283 139,395 359,678 Income before income taxes $ 216,598 $ 26,453 $ 243,051 Income tax expense 52,750 Net income applicable to FB Financial Corporation and noncontrolling interest 190,301 Net income applicable to noncontrolling interest (3) 16 Net income applicable to FB Financial Corporation $ 190,285 Total assets $ 11,540,560 $ 1,057,126 $ 12,597,686 Goodwill 242,561 — 242,561 (1) Included $(1,998) in provision for credit losses on unfunded commitments. (2) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (3) Banking segment includes noncontrolling interest. Year Ended December 31, 2020 Banking Mortgage Consolidated Net interest income $ 265,581 $ 77 $ 265,658 Provisions for credit losses (1) 107,967 — 107,967 Mortgage banking income (2) — 289,702 289,702 Change in fair value of mortgage servicing rights, net of hedging (2) — (34,374) (34,374) Other noninterest income 46,527 — 46,527 Depreciation and amortization 6,425 1,111 7,536 Amortization of intangibles 5,323 — 5,323 Other noninterest expense (3) 212,890 151,336 364,226 (Loss) income before income taxes $ (20,497) $ 102,958 $ 82,461 Income tax expense 18,832 Net income applicable to FB Financial Corporation and noncontrolling interest 63,629 Net income applicable to noncontrolling interest (4) 8 Net income applicable to FB Financial Corporation $ 63,621 Total assets $ 10,254,324 $ 953,006 $ 11,207,330 Goodwill 242,561 — 242,561 (1) Includes $13,361 in provision for credit losses on unfunded commitments. (2) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (3) Includes $33,824 of merger costs in the Banking segment related to the Farmers National acquisition and the Franklin merger and $1,055 of merger costs in the Mortgage segment related to the Franklin merger. (4) Banking segment includes noncontrolling interest. Year Ended December 31, 2019 Banking Mortgage Consolidated Net interest income $ 226,098 $ (62) $ 226,036 Provisions for loan losses 7,053 — 7,053 Mortgage banking income (1) — 117,905 117,905 Change in fair value of mortgage servicing rights, net of hedging (1) — (16,989) (16,989) Other noninterest income 34,481 — 34,481 Depreciation and amortization 4,594 582 5,176 Amortization of intangibles 4,339 — 4,339 Other noninterest expense (2) 144,734 90,592 235,326 Income before income taxes $ 99,859 $ 9,680 $ 109,539 Income tax expense 25,725 Net income applicable to FB Financial Corporation $ 83,814 Total assets $ 5,700,558 $ 424,363 $ 6,124,921 Goodwill 169,051 — 169,051 1. Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income.

Minimum capital requirements (T

Minimum capital requirements (Tables)	12 Months Ended
	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of Actual and Required Capital Amounts and Ratios	Actual and required capital amounts and ratios are included below as of the dates indicated. Actual Minimum Capital To be well capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,434,581 14.5 % $ 1,039,984 10.5 % N/A N/A FirstBank 1,396,407 14.1 % 1,038,760 10.5 % $ 989,295 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,251,874 12.6 % $ 841,892 8.5 % N/A N/A FirstBank 1,213,700 12.3 % 840,901 8.5 % $ 791,436 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,251,874 10.5 % $ 474,831 4.0 % N/A N/A FirstBank 1,213,700 10.2 % 474,044 4.0 % $ 592,555 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,221,874 12.3 % $ 693,322 7.0 % N/A N/A FirstBank 1,213,700 12.3 % 692,507 7.0 % $ 643,042 6.5 % Actual Minimum Capital To be well capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2020 Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,358,897 15.0 % $ 952,736 10.5 % N/A N/A FirstBank 1,353,279 14.9 % 951,327 10.5 % $ 906,026 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,090,364 12.0 % $ 771,262 8.5 % N/A N/A FirstBank 1,142,548 12.6 % 770,122 8.5 % $ 724,820 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,090,364 10.0 % $ 435,064 4.0 % N/A N/A FirstBank 1,142,548 10.5 % 435,279 4.0 % $ 544,098 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,060,364 11.7 % $ 635,157 7.0 % N/A N/A FirstBank 1,142,548 12.6 % 634,218 7.0 % $ 588,917 6.5 %

Stock-based compensation (Table

Stock-based compensation (Tables)	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Schedule of Changes in Restricted Stock Units	The following table summarizes information about the changes in restricted stock units for the year ended December 31, 2021: Year Ended December 31, 2021 Restricted Stock Weighted Balance at beginning of period 1,047,071 $ 26.06 Granted 194,388 43.05 Vested (710,730) 22.99 Forfeited (38,409) 28.96 Balance at end of period 492,320 $ 36.06
Schedule of Changes in Performance Stock Units	The following table summarizes information about the changes in performance stock units as of and for the year ended December 31, 2021. Year Ended December 31, 2021 Performance Stock Weighted Balance at beginning of period (unvested) 53,147 $ 36.21 Granted 65,304 43.20 Vested — — Forfeited or expired (2,701) 37.11 Balance at end of period (unvested) 115,750 $ 40.13

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Schedule of Loans Analysis to Executive Officers, Certain Management, Bank Directors and Their Affiliates	An analysis of loans to executive officers, certain management, and directors of the Bank and their affiliates is presented below: Loans outstanding at January 1, 2021 $ 24,675 New loans and advances 11,791 Change in related party status (122) Repayments (7,334) Loans outstanding at December 31, 2021 $ 29,010

Basis of presentation - Narrati

Basis of presentation - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)branchmethod	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of full-service branches | branch	82
Provision for credit losses on available-for-sale securities	$ 0	$ 0
Transfer from loans held for sale to loan portfolio	86,315,000	55,766,000	$ 12,259,000
Transfer of from loan portfolio to held for sale	$ 10,408,000	11,483,000	7,981,000
Percent of remaining principal allowed to buy back under GNMA optional repurchase programs	100.00%
Other noninterest income	$ 60,690,000	46,527,000	34,481,000
Goodwill impairment	0	0
Amounts related to uncertain tax positions	0	0	0
Impairment of long-lived assets	$ 0	0
Number of methods to deliver mortgage loans | method	2
Deposits with Federal Home Loan Banks	$ 17,130,000	12,729,000
FHLB lender risk account guaranty	$ 8,372,000	6,183,000
Lender risk account, contribution percentage	1
Lender risk account, period to release portion of funds not used to cover losses	30 years
Lender risk account, initial fill-up period	5 years
Residential mortgage
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Transfer of from loan portfolio to held for sale	$ 1,188,000	$ 2,116,000
PSUs
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Criteria period		3 years
Franklin Financial Network, Inc.
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Other noninterest income	11,172,000	$ 3,228,000
Mortgage Loans
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Net (losses) gains from fair value changes of mortgage loans	(16,976,000)	24,233,000	(2,861,000)
GNMA
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Transfer of from loan portfolio to held for sale	9,220,000	9,367,000	7,891,000
Delinquent GNMA loans that had been previously sold	94,648,000	151,184,000
Residential Mortgage Loans
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Transfer from loans held for sale to loan portfolio	86,315,000	55,766,000	$ 12,259,000
FHLB Cincinnati
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Deposits with Federal Home Loan Banks	$ 17,130,000	$ 12,729,000
Leasehold improvements | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	20 years
Premises
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	40 years
Furniture and fixtures | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	7 years
Furniture and fixtures | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	10 years
Equipment | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	3 years
Equipment | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	7 years

Basis of presentation - Basic a

Basis of presentation - Basic and Diluted Earnings Per Common Share Calculation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Basic earnings per common share calculation:
Net income applicable to FB Financial Corporation	$ 190,285	$ 63,621	$ 83,814
Dividends paid on and undistributed earnings allocated to participating securities	0	0	(447)
Earnings available to common shareholders	$ 190,285	$ 63,621	$ 83,367
Weighted average basic shares outstanding (in shares)	47,431,102	37,621,720	30,870,474
Basic earnings (loss) per common share (in dollars per share)	$ 4.01	$ 1.69	$ 2.70
Diluted earnings per common share:
Earnings (loss) available to common shareholders	$ 190,285	$ 63,621	$ 83,367
Weighted average basic shares outstanding (in shares)	47,431,102	37,621,720	30,870,474
Weighted average diluted shares contingently issuable (in shares)	524,778	478,024	532,423
Weighted average diluted shares outstanding (in shares)	47,955,880	38,099,744	31,402,897
Diluted (loss) earnings per common share (in dollars per share)	$ 3.97	$ 1.67	$ 2.65
Restricted Stock Units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Restricted stock units outstanding considered to be antidilutive (in shares)	4,400	239,813

Mergers and acquisitions - Fran

Mergers and acquisitions - Franklin Financial Network, Inc. - Narrative (Details) - Franklin $ / shares in Units, $ in Thousands	Aug. 15, 2020USD ($)branch$ / sharesshares	Dec. 31, 2020USD ($)
Business Acquisition [Line Items]
Assets assumed in acquisition	$ 3,631,889
Loans assumed in acquisition	2,790,000
Deposits assumed in acquisition	3,121,731
Non-strategic loans assumed in acquisition	$ 326,206
Business acquisition, shares issued (in shares) | shares	15,058,181
Equivalent value of parent stock (in shares) | shares	44,311
Cash consideration paid	$ 31,330
Fair value replacement awards attributable to pre-combination service	$ 674
Business acquisition, share price (in dollars per share) | $ / shares	$ 29.52
Purchase price	$ 477,830
Goodwill resulting from merger	$ 67,191	$ 67,191
Tennessee
Business Acquisition [Line Items]
Number of branches acquired | branch	10

Mergers and acquisitions - Cons

Mergers and acquisitions - Consideration for Franklin Financial Network (Details) $ / shares in Units, $ in Thousands	Aug. 15, 2020USD ($)$ / sharesshares	Dec. 31, 2020USD ($)
Business Combination, Consideration Transferred [Abstract]
Shares and net shares outstanding (in shares)	15,651,243
Franklin
Business Combination, Consideration Transferred [Abstract]
Shares outstanding (in shares)	15,588,337
Options converted to net shares (in shares)	62,906
Number of shares outstanding including converted options (in shares)	15,651,243
Exchange ratio	0.965
Shares to be issued as merger consideration (in shares)	15,102,492
Issuance price (in dollars per share) | $ / shares	$ 29.52
Value of stock to be issued as merger consideration | $	$ 445,826
Less: tax withholding on vested restricted stock awards, units and options | $	(1,308)
Value of stock issued | $	$ 444,518
Net shares issued (in shares)	15,058,181
Stock units that do not vest on change in control (in shares)	114,915
Replacement awards issued to employees (in shares)	118,776
Fair value of replacement awards (in shares)	3,506,000
Fair value replacement awards attributable to pre-combination service | $	$ 674
Cash consideration per share (in dollars per share) | $ / shares	$ 2
Total cash to be paid | $	$ 31,330
Total purchase price | $	477,830
Preliminary fair value of net assets acquired | $	410,639
Goodwill resulting from merger | $	$ 67,191	$ 67,191
Equivalent value of parent stock (in shares)	44,311
Cash paid in lieu of fractional shares | $	$ 28

Mergers and acquisitions - FNB

Mergers and acquisitions - FNB Financial Corp. - Narrative (Details) - FNB Financial Corp. $ / shares in Units, $ in Thousands	Feb. 14, 2020USD ($)branch$ / sharesshares	Dec. 31, 2020USD ($)
Business Acquisition [Line Items]
Assets assumed in acquisition	$ 258,218
Loans assumed in acquisition	182,171
Deposits assumed in acquisition	$ 209,535
Business acquisition, shares issued (in shares) | shares	954,797
Cash consideration paid	$ 15,001
Business acquisition, share price (in dollars per share) | $ / shares	$ 36.70
Purchase price	$ 50,042
Goodwill resulting from merger	$ 6,319	$ 6,319
Kentucky
Business Acquisition [Line Items]
Number of branches acquired | branch	4

Mergers and acquisitions - Co_2

Mergers and acquisitions - Consideration for FNB Financial Corp. (Details) - FNB Financial Corp. - USD ($) $ / shares in Units, $ in Thousands	Feb. 14, 2020	Dec. 31, 2020
Business Combination, Consideration Transferred [Abstract]
Net shares issued (in shares)	954,797
Purchase price per share (in dollars per share)	$ 36.70
Value of stock consideration	$ 35,041
Cash consideration paid	15,001
Total purchase price	50,042
Preliminary fair value of net assets acquired	43,723
Goodwill resulting from merger	$ 6,319	$ 6,319

Mergers and acquisitions - Reco

Mergers and acquisitions - Recognized Identified Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	Aug. 15, 2020	Feb. 14, 2020
Franklin Financial Network, Inc.
ASSETS
Cash and cash equivalents	$ 284,004
Investments	373,462
Mortgage loans held for sale, at fair value	38,740
Commercial loans held for sale, at fair value	326,206
Loans held for investment, net of fair value adjustments	2,427,527
Allowance for credit losses on purchased credit deteriorated loans	(24,831)
Premises and equipment	45,471
Operating lease right-of-use assets	23,958
Mortgage servicing rights	5,111
Core deposit intangible	7,670
Other assets	124,571
Total assets	3,631,889
LIABILITIES
Deposits, non-interest bearing	505,374
Deposits, interest-bearing checking	1,783,379
Money market and savings	342,093
Customer time deposits	383,433
Brokered and internet time deposits	107,452
Total deposits	3,121,731
Borrowings	62,435
Operating lease liabilities	24,330
Accrued expenses and other liabilities	12,661
Total liabilities assumed	3,221,157
Noncontrolling interests acquired	93
Net assets acquired	$ 410,639
FNB Financial Corp.
ASSETS
Cash and cash equivalents		$ 10,774
Investments		50,594
Mortgage loans held for sale, at fair value		0
Commercial loans held for sale, at fair value		0
Loans held for investment, net of fair value adjustments		182,171
Allowance for credit losses on purchased credit deteriorated loans		(669)
Premises and equipment		8,049
Operating lease right-of-use assets		14
Mortgage servicing rights		0
Core deposit intangible		2,490
Other assets		4,795
Total assets		258,218
LIABILITIES
Deposits, non-interest bearing		63,531
Deposits, interest-bearing checking		26,451
Money market and savings		37,002
Customer time deposits		82,551
Brokered and internet time deposits		0
Total deposits		209,535
Borrowings		3,192
Operating lease liabilities		14
Accrued expenses and other liabilities		1,754
Total liabilities assumed		214,495
Noncontrolling interests acquired		0
Net assets acquired		$ 43,723

Mergers and acquisitions - Purc

Mergers and acquisitions - Purchased Credit-deteriorated Loans (Details) - USD ($) $ in Thousands	Aug. 15, 2020	Feb. 14, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deterioration credit quality since origination, percentage	27.90%	10.10%
Allowance for credit loss, purchased with credit deterioration			$ 25,500
Franklin Financial Network, Inc.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal balance	$ 693,999
Allowance for credit losses at acquisition	(24,831)
Net premium attributable to other factors	8,810
Loans purchased credit-deteriorated fair value	677,978
Allowance for credit loss, purchased with credit deterioration	52,822
Increase in provision for credit losses from unfunded commitments acquired in business combination	$ 10,499
FNB Financial Corp.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal balance		$ 18,964
Allowance for credit losses at acquisition		(669)
Net premium attributable to other factors		63
Loans purchased credit-deteriorated fair value		18,358
Allowance for credit loss, purchased with credit deterioration		$ 2,885

Mergers and acquisitions - Pro

Mergers and acquisitions - Pro Forma Information (unaudited) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Business Combination and Asset Acquisition [Abstract]
Net interest income	$ 338,092	$ 348,660
Total revenues	654,374	504,273
Net income applicable to FB Financial Corporation	$ 65,135	$ 99,898

Cash and cash equivalents con_2

Cash and cash equivalents concentrations (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Cash and Cash Equivalents [Abstract]
Restricted cash	$ 0	$ 0
Federal funds sold	53,919,000	121,153,000
Reversed repurchase agreements	$ 74,168,000	$ 0

Investment securities - Summary

Investment securities - Summary of Amortized Cost and Fair Value of Securities (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale [Abstract]
Amortized cost	$ 1,673,798,000	$ 1,137,848,000
Gross unrealized gains	23,120,000	35,376,000
Gross unrealized losses	(18,393,000)	(824,000)
Allowance for credit losses for investments	0	0
Fair Value	1,678,525,000	1,172,400,000
U.S. government agency securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost	34,023,000	2,000,000
Gross unrealized gains	18,000	3,000
Gross unrealized losses	(171,000)	0
Allowance for credit losses for investments	0	0
Fair Value	33,870,000	2,003,000
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Abstract]
Amortized cost	1,281,285,000	760,099,000
Gross unrealized gains	6,072,000	14,040,000
Gross unrealized losses	(17,985,000)	(803,000)
Allowance for credit losses for investments	0	0
Fair Value	1,269,372,000	773,336,000
Mortgage-backed securities - commercial
Debt Securities, Available-for-sale [Abstract]
Amortized cost	15,024,000	20,226,000
Gross unrealized gains	272,000	1,362,000
Gross unrealized losses	(46,000)	0
Allowance for credit losses for investments	0	0
Fair Value	15,250,000	21,588,000
Municipal securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost	322,052,000	336,543,000
Gross unrealized gains	16,718,000	19,806,000
Gross unrealized losses	(160,000)	(20,000)
Allowance for credit losses for investments	0	0
Fair Value	338,610,000	356,329,000
U.S. Treasury securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost	14,914,000	16,480,000
Gross unrealized gains	0	148,000
Gross unrealized losses	(6,000)	0
Allowance for credit losses for investments	0	0
Fair Value	14,908,000	16,628,000
Corporate securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost	6,500,000	2,500,000
Gross unrealized gains	40,000	17,000
Gross unrealized losses	(25,000)	(1,000)
Allowance for credit losses for investments	0	0
Fair Value	$ 6,515,000	$ 2,516,000

Investment securities - Narrati

Investment securities - Narrative (Details)	3 Months Ended		12 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 38,528,000	$ 43,603,000	$ 38,528,000	$ 43,603,000
Marketable securities at fair value	3,367,000	4,591,000	3,367,000	4,591,000
Trade date receivable - securities			0	0
Net gain on change in fair value and sale of equity securities			198,000	296,000	$ 148,000
Allowance for credit losses for investments	$ 0	$ 0	$ 0	$ 0
Number of securities in securities portfolio | security	511	514	511	514
Number of securities in securities portfolio, unrealized loss position | security	80	16	80	16
Provision for credit losses on available for sale debt securities	$ 0	$ 0
Collateral Pledged
Debt and Equity Securities, FV-NI [Line Items]
Securities pledged	1,226,646,000	804,821,000	$ 1,226,646,000	$ 804,821,000
Debt Securities
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 5,051,000	$ 4,540,000	$ 5,051,000	$ 4,540,000

Investment securities - Schedul

Investment securities - Schedule of Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized cost
Due in one year or less	$ 21,851	$ 35,486
Due in one to five years	54,847	24,278
Due in five to ten years	45,714	40,038
Due in over ten years	255,077	257,721
Amortized cost, sub-total	377,489	357,523
Total debt securities	1,673,798	1,137,848
Fair value
Due in one year or less	21,884	35,662
Due in one to five years	55,307	24,684
Due in five to ten years	46,975	41,332
Due in over ten years	269,737	275,798
Fair value, sub-total	393,903	377,476
Total debt securities	1,678,525	1,172,400
Mortgage-backed securities - residential
Amortized cost
Mortgage-backed securities	1,281,285	760,099
Total debt securities	1,281,285	760,099
Fair value
Mortgage-backed securities	1,269,372	773,336
Total debt securities	1,269,372	773,336
Mortgage-backed securities - commercial
Amortized cost
Mortgage-backed securities	15,024	20,226
Total debt securities	15,024	20,226
Fair value
Mortgage-backed securities	15,250	21,588
Total debt securities	$ 15,250	$ 21,588

Investment securities - Summa_2

Investment securities - Summary of Sales and Other Dispositions of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 8,855	$ 146,494	$ 24,498
Proceeds from maturities, prepayments and calls	296,256	220,549	113,018
Gross realized gains	127	1,606	7
Gross realized losses	$ 1	$ 271	$ 98

Investment securities - Sched_2

Investment securities - Schedule of Gross Unrealized Losses on Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	$ 928,115	$ 185,695
Unrealized Loss, Less than 12 months	(14,703)	(824)
Fair Value, 12 months or more	102,799	0
Unrealized Loss, 12 months or more	(3,690)	0
Fair Value, Total	1,030,914	185,695
Unrealized Loss, Total	(18,393)	(824)
U.S. government agency securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	18,360
Unrealized Loss, Less than 12 months	(171)
Fair Value, 12 months or more	0
Unrealized Loss, 12 months or more	0
Fair Value, Total	18,360
Unrealized Loss, Total	(171)
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	871,368	182,012
Unrealized Loss, Less than 12 months	(14,295)	(803)
Fair Value, 12 months or more	102,799	0
Unrealized Loss, 12 months or more	(3,690)	0
Fair Value, Total	974,167	182,012
Unrealized Loss, Total	(17,985)	(803)
Mortgage-backed securities - commercial
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	7,946
Unrealized Loss, Less than 12 months	(46)
Fair Value, 12 months or more	0
Unrealized Loss, 12 months or more	0
Fair Value, Total	7,946
Unrealized Loss, Total	(46)
Municipal securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	11,414	3,184
Unrealized Loss, Less than 12 months	(160)	(20)
Fair Value, 12 months or more	0	0
Unrealized Loss, 12 months or more	0	0
Fair Value, Total	11,414	3,184
Unrealized Loss, Total	(160)	(20)
U.S. Treasury securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	14,908
Unrealized Loss, Less than 12 months	(6)
Fair Value, 12 months or more	0
Unrealized Loss, 12 months or more	0
Fair Value, Total	14,908
Unrealized Loss, Total	(6)
Corporate securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	4,119	499
Unrealized Loss, Less than 12 months	(25)	(1)
Fair Value, 12 months or more	0	0
Unrealized Loss, 12 months or more	0	0
Fair Value, Total	4,119	499
Unrealized Loss, Total	$ (25)	$ (1)

Loans and allowance for credi_3

Loans and allowance for credit losses - Loans Outstanding by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Past Due [Line Items]
Gross loans	$ 7,604,662	$ 7,082,959
Less: Allowance for credit losses	(125,559)	(170,389)	$ (31,139)	$ (28,932)
Net loans	7,479,103	6,912,570
Paycheck Protection Program
Financing Receivable, Past Due [Line Items]
Loans originated as part of PPP program	3,990	212,645
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Gross loans	1,290,565	1,346,122
Less: Allowance for credit losses	(15,751)	(14,748)	(4,805)	(5,348)
Construction
Financing Receivable, Past Due [Line Items]
Gross loans	1,327,659	1,222,220
Less: Allowance for credit losses	(28,576)	(58,477)	(10,194)	(9,729)
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Gross loans	1,270,467	1,089,270
Less: Allowance for credit losses	(19,104)	(19,220)	(3,112)	(3,428)
Residential real estate | Residential line of credit
Financing Receivable, Past Due [Line Items]
Gross loans	383,039	408,211
Less: Allowance for credit losses	(5,903)	(10,534)	(752)	(811)
Residential real estate | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Gross loans	326,551	175,676
Less: Allowance for credit losses	(6,976)	(7,174)	(544)	(566)
Commercial real estate | Owner occupied
Financing Receivable, Past Due [Line Items]
Gross loans	951,582	924,841
Less: Allowance for credit losses	(12,593)	(4,849)	(4,109)	(3,132)
Commercial real estate | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Gross loans	1,730,165	1,598,979
Less: Allowance for credit losses	(25,768)	(44,147)	(4,621)	(4,149)
Consumer and other
Financing Receivable, Past Due [Line Items]
Gross loans	324,634	317,640
Less: Allowance for credit losses	$ (10,888)	$ (11,240)	$ (3,002)	$ (1,769)

Loans and allowance for credi_4

Loans and allowance for credit losses - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Accrued interest receivable on loans	$ 31,676,000	$ 38,316,000
Accrued interest receivable written off as an adjustment to interest income on non-accrual loans	804,000	627,000
Recorded investment in TDRs	32,435,000	15,988,000
TDRs classified as non-accruals	11,084,000	8,279,000
Allocation to specific reserves	1,245,000	310,000
Payment default for loans modified as troubled debt restructurings	304,000	0	$ 0
Outstanding loan balance under deferral program	0	202,517,000
Deferred loans that were transferred to normal payment status	$ 1,193,088,000	1,399,088,000
Purchase accounting accretion, excluding contractual interest collected			8,556,000
PCI Loans
Financing Receivable, Past Due [Line Items]
Accretion of interest income			$ 7,003,000
Minimum
Financing Receivable, Past Due [Line Items]
Payment deferral period	60 days
Maximum
Financing Receivable, Past Due [Line Items]
Payment deferral period	90 days
Federal Reserve Bank
Financing Receivable, Past Due [Line Items]
Pledged loans to the Federal Reserve Bank	$ 2,440,097,000	2,463,281,000
FHLB Cincinnati | Residential Mortgage Loans
Financing Receivable, Past Due [Line Items]
Pledge loans to the Federal Home Loan Bank securing advances	1,136,294,000	1,248,857,000
FHLB Cincinnati | Commercial Loan
Financing Receivable, Past Due [Line Items]
Pledge loans to the Federal Home Loan Bank securing advances	$ 1,581,673,000	$ 1,532,749,000

Loans and allowance for credi_5

Loans and allowance for credit losses - Changes in Allowance for Credit Losses by Class of Financing Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	$ 170,389	$ 31,139	$ 28,932
Provision for credit losses	(38,995)	94,606	7,053
Recoveries of loans previously charged-off	2,033	3,003	1,106
Loans charged off	(7,868)	(15,305)	(5,952)
Initial allowance on loans purchased with deteriorated credit quality		25,500
Balance at end of period	125,559	170,389	31,139
Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		30,888
Balance at end of period			30,888
Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		558
Balance at end of period			558
Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	14,748	4,805	5,348
Provision for credit losses	4,178	13,830	2,251
Recoveries of loans previously charged-off	861	1,712	136
Loans charged off	(4,036)	(11,735)	(2,930)
Initial allowance on loans purchased with deteriorated credit quality		754
Balance at end of period	15,751	14,748	4,805
Commercial and industrial | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		5,300
Balance at end of period			5,300
Commercial and industrial | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		82
Balance at end of period			82
Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	58,477	10,194	9,729
Provision for credit losses	(29,874)	40,807	454
Recoveries of loans previously charged-off	3	205	11
Loans charged off	(30)	(18)	0
Initial allowance on loans purchased with deteriorated credit quality		5,606
Balance at end of period	28,576	58,477	10,194
Construction | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		1,533
Balance at end of period			1,533
Construction | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		150
Balance at end of period			150
Residential real estate | 1-to-4 family mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	19,220	3,112	3,428
Provision for credit losses	(87)	6,408	(175)
Recoveries of loans previously charged-off	125	122	79
Loans charged off	(154)	(403)	(220)
Initial allowance on loans purchased with deteriorated credit quality		1,640
Balance at end of period	19,104	19,220	3,112
Residential real estate | 1-to-4 family mortgage | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		7,920
Balance at end of period			7,920
Residential real estate | 1-to-4 family mortgage | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		421
Balance at end of period			421
Residential real estate | Residential line of credit
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	10,534	752	811
Provision for credit losses	(4,728)	5,649	112
Recoveries of loans previously charged-off	115	125	138
Loans charged off	(18)	(22)	(309)
Initial allowance on loans purchased with deteriorated credit quality		572
Balance at end of period	5,903	10,534	752
Residential real estate | Residential line of credit | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		3,461
Balance at end of period			3,461
Residential real estate | Residential line of credit | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		(3)
Balance at end of period			(3)
Residential real estate | Multi-family mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	7,174	544	566
Provision for credit losses	(197)	5,506	(22)
Recoveries of loans previously charged-off	0	0	0
Loans charged off	(1)	0	0
Initial allowance on loans purchased with deteriorated credit quality		784
Balance at end of period	6,976	7,174	544
Residential real estate | Multi-family mortgage | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		340
Balance at end of period			340
Residential real estate | Multi-family mortgage | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		0
Balance at end of period			0
Commercial real estate | Owner occupied
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	4,849	4,109	3,132
Provision for credit losses	7,588	(1,739)	869
Recoveries of loans previously charged-off	156	83	108
Loans charged off	0	(304)	0
Initial allowance on loans purchased with deteriorated credit quality		659
Balance at end of period	12,593	4,849	4,109
Commercial real estate | Owner occupied | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		1,879
Balance at end of period			1,879
Commercial real estate | Owner occupied | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		162
Balance at end of period			162
Commercial real estate | Non-owner occupied
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	44,147	4,621	4,149
Provision for credit losses	(16,813)	17,789	484
Recoveries of loans previously charged-off	0	0	0
Loans charged off	(1,566)	(711)	(12)
Initial allowance on loans purchased with deteriorated credit quality		15,442
Balance at end of period	25,768	44,147	4,621
Commercial real estate | Non-owner occupied | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		6,822
Balance at end of period			6,822
Commercial real estate | Non-owner occupied | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		184
Balance at end of period			184
Consumer and other
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	11,240	3,002	1,769
Provision for credit losses	938	6,356	3,080
Recoveries of loans previously charged-off	773	756	634
Loans charged off	(2,063)	(2,112)	(2,481)
Initial allowance on loans purchased with deteriorated credit quality		43
Balance at end of period	$ 10,888	11,240	3,002
Consumer and other | Cumulative effect adjustment to adopt ASC 326 | Non-purchased credit deteriorated
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		3,633
Balance at end of period			3,633
Consumer and other | Cumulative effect adjustment to adopt ASC 326 | Purchased credit impaired
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period		$ (438)
Balance at end of period			$ (438)

Loans and allowance for credi_6

Loans and allowance for credit losses - Credit Quality of Loan Portfolio by Year of Origination (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	$ 2,357,250	$ 1,517,481
2020-2019	960,345	1,246,239
2019-2018	859,299	853,371
2018-2017	606,741	696,494
2017-2016	439,292	648,821
Prior	1,134,004	900,082
Revolving Loans Amortized Cost Basis	1,247,731	1,220,471
Total	7,604,662	7,082,959
Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	2,353,285	1,510,393
2020-2019	951,510	1,228,017
2019-2018	839,635	813,323
2018-2017	564,491	660,160
2017-2016	424,423	628,209
Prior	1,082,325	836,930
Revolving Loans Amortized Cost Basis	1,220,476	1,171,352
Total	7,436,145	6,848,384
Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	877	3,371
2020-2019	1,616	7,791
2019-2018	7,084	16,478
2018-2017	7,967	19,060
2017-2016	3,262	9,199
Prior	8,347	18,733
Revolving Loans Amortized Cost Basis	12,923	27,720
Total	42,076	102,352
Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	3,088	3,717
2020-2019	7,219	10,431
2019-2018	12,580	23,570
2018-2017	34,283	17,274
2017-2016	11,607	11,413
Prior	43,332	44,419
Revolving Loans Amortized Cost Basis	14,332	21,399
Total	126,441	132,223
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	274,229	341,806
2020-2019	97,679	189,148
2019-2018	144,263	82,337
2018-2017	55,883	64,787
2017-2016	37,370	45,070
Prior	64,964	46,542
Revolving Loans Amortized Cost Basis	616,177	576,432
Total	1,290,565	1,346,122
Commercial and industrial | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	273,232	339,074
2020-2019	95,279	185,636
2019-2018	140,938	70,549
2018-2017	52,162	59,917
2017-2016	33,997	37,573
Prior	57,020	42,685
Revolving Loans Amortized Cost Basis	596,667	540,960
Total	1,249,295	1,276,394
Commercial and industrial | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	79	231
2020-2019	9	824
2019-2018	949	561
2018-2017	632	445
2017-2016	3	915
Prior	1,519	2,580
Revolving Loans Amortized Cost Basis	12,367	24,826
Total	15,558	30,382
Commercial and industrial | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	918	2,501
2020-2019	2,391	2,688
2019-2018	2,376	11,227
2018-2017	3,089	4,425
2017-2016	3,370	6,582
Prior	6,425	1,277
Revolving Loans Amortized Cost Basis	7,143	10,646
Total	25,712	39,346
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	677,320	462,757
2020-2019	281,012	393,683
2019-2018	138,690	91,865
2018-2017	26,798	54,304
2017-2016	16,524	41,636
Prior	69,939	65,971
Revolving Loans Amortized Cost Basis	117,376	112,004
Total	1,327,659	1,222,220
Construction | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	677,258	461,715
2020-2019	280,828	390,443
2019-2018	135,768	86,490
2018-2017	23,916	52,942
2017-2016	15,313	40,907
Prior	67,818	62,890
Revolving Loans Amortized Cost Basis	117,176	112,004
Total	1,318,077	1,207,391
Construction | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	62	469
2020-2019	184	1,485
2019-2018	0	2,197
2018-2017	0	1,221
2017-2016	1,208	729
Prior	1,384	13
Revolving Loans Amortized Cost Basis	0	0
Total	2,838	6,114
Construction | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	573
2020-2019	0	1,755
2019-2018	2,922	3,178
2018-2017	2,882	141
2017-2016	3	0
Prior	737	3,068
Revolving Loans Amortized Cost Basis	200	0
Total	6,744	8,715
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	522,765	284,978
2020-2019	208,425	179,968
2019-2018	122,752	169,514
2018-2017	102,592	163,957
2017-2016	110,852	115,537
Prior	203,081	175,316
Revolving Loans Amortized Cost Basis	0	0
Total	1,270,467	1,089,270
Residential real estate | 1-to-4 family mortgage | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	519,946	283,107
2020-2019	202,299	176,711
2019-2018	119,915	164,499
2018-2017	99,479	157,731
2017-2016	107,214	111,194
Prior	194,088	162,051
Revolving Loans Amortized Cost Basis	0	0
Total	1,242,941	1,055,293
Residential real estate | 1-to-4 family mortgage | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	736	1,423
2020-2019	1,423	1,829
2019-2018	877	1,209
2018-2017	406	753
2017-2016	1,166	721
Prior	1,609	3,865
Revolving Loans Amortized Cost Basis	0	0
Total	6,217	9,800
Residential real estate | 1-to-4 family mortgage | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	2,083	448
2020-2019	4,703	1,428
2019-2018	1,960	3,806
2018-2017	2,707	5,473
2017-2016	2,472	3,622
Prior	7,384	9,400
Revolving Loans Amortized Cost Basis	0	0
Total	21,309	24,177
Residential real estate | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
2018-2017	0	0
2017-2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	383,039	408,211
Total	383,039	408,211
Residential real estate | Residential line of credit | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
2018-2017	0	0
2017-2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	377,989	400,206
Total	377,989	400,206
Residential real estate | Residential line of credit | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
2018-2017	0	0
2017-2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	343	2,653
Total	343	2,653
Residential real estate | Residential line of credit | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
2018-2017	0	0
2017-2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	4,707	5,352
Total	4,707	5,352
Residential real estate | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	166,576	29,006
2020-2019	32,242	13,446
2019-2018	64,345	11,843
2018-2017	7,124	46,561
2017-2016	5,602	28,330
Prior	39,771	35,396
Revolving Loans Amortized Cost Basis	10,891	11,094
Total	326,551	175,676
Residential real estate | Multi-family mortgage | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	166,576	29,006
2020-2019	32,242	13,446
2019-2018	64,345	11,843
2018-2017	7,124	46,561
2017-2016	5,602	28,330
Prior	38,526	35,339
Revolving Loans Amortized Cost Basis	10,891	11,094
Total	325,306	175,619
Residential real estate | Multi-family mortgage | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
2018-2017	0	0
2017-2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	0	0
Residential real estate | Multi-family mortgage | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
2018-2017	0	0
2017-2016	0	0
Prior	1,245	57
Revolving Loans Amortized Cost Basis	0	0
Total	1,245	57
Commercial real estate | Owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	170,773	141,915
2020-2019	131,471	182,641
2019-2018	178,861	104,251
2018-2017	88,007	116,906
2017-2016	74,119	82,914
Prior	249,169	237,800
Revolving Loans Amortized Cost Basis	59,182	58,414
Total	951,582	924,841
Commercial real estate | Owner occupied | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	170,773	140,904
2020-2019	131,471	179,500
2019-2018	174,257	97,577
2018-2017	83,698	94,659
2017-2016	69,939	76,539
Prior	236,998	224,108
Revolving Loans Amortized Cost Basis	57,123	53,451
Total	924,259	866,738
Commercial real estate | Owner occupied | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	967
2020-2019	0	1,356
2019-2018	1,502	4,251
2018-2017	3,541	16,173
2017-2016	885	6,101
Prior	2,555	2,466
Revolving Loans Amortized Cost Basis	213	230
Total	8,696	31,544
Commercial real estate | Owner occupied | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	44
2020-2019	0	1,785
2019-2018	3,102	2,423
2018-2017	768	6,074
2017-2016	3,295	274
Prior	9,616	11,226
Revolving Loans Amortized Cost Basis	1,846	4,733
Total	18,627	26,559
Commercial real estate | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	462,478	166,962
2020-2019	154,048	233,152
2019-2018	171,562	350,814
2018-2017	292,092	221,149
2017-2016	172,108	290,370
Prior	431,336	297,712
Revolving Loans Amortized Cost Basis	46,541	38,820
Total	1,730,165	1,598,979
Commercial real estate | Non-owner occupied | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	462,478	166,962
2020-2019	154,048	229,442
2019-2018	165,917	342,640
2018-2017	264,855	221,149
2017-2016	170,602	290,163
Prior	414,859	272,184
Revolving Loans Amortized Cost Basis	46,541	38,820
Total	1,679,300	1,561,360
Commercial real estate | Non-owner occupied | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	1,500
2019-2018	3,747	6,672
2018-2017	3,388	0
2017-2016	0	207
Prior	969	8,445
Revolving Loans Amortized Cost Basis	0	0
Total	8,104	16,824
Commercial real estate | Non-owner occupied | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	0
2020-2019	0	2,210
2019-2018	1,898	1,502
2018-2017	23,849	0
2017-2016	1,506	0
Prior	15,508	17,083
Revolving Loans Amortized Cost Basis	0	0
Total	42,761	20,795
Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	83,109	90,057
2020-2019	55,468	54,201
2019-2018	38,826	42,747
2018-2017	34,245	28,830
2017-2016	22,717	44,964
Prior	75,744	41,345
Revolving Loans Amortized Cost Basis	14,525	15,496
Total	324,634	317,640
Consumer and other | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	83,022	89,625
2020-2019	55,343	52,839
2019-2018	38,495	39,725
2018-2017	33,257	27,201
2017-2016	21,756	43,503
Prior	73,016	37,673
Revolving Loans Amortized Cost Basis	14,089	14,817
Total	318,978	305,383
Consumer and other | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	0	281
2020-2019	0	797
2019-2018	9	1,588
2018-2017	0	468
2017-2016	0	526
Prior	311	1,364
Revolving Loans Amortized Cost Basis	0	11
Total	320	5,035
Consumer and other | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2021-2020	87	151
2020-2019	125	565
2019-2018	322	1,434
2018-2017	988	1,161
2017-2016	961	935
Prior	2,417	2,308
Revolving Loans Amortized Cost Basis	436	668
Total	$ 5,336	$ 7,222

Loans and allowance for credi_7

Loans and allowance for credit losses - Analysis of Aging by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Loans	$ 7,604,662	$ 7,082,959
90 days or  more and accruing interest	11,735	13,696
Non-accrual loans	35,568	50,760
30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	26,450	26,995
Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	7,530,909	6,991,508
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans	1,290,565	1,346,122
90 days or  more and accruing interest	63	330
Non-accrual loans	1,520	16,005
Commercial and industrial | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	1,030	3,297
Commercial and industrial | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	1,287,952	1,326,490
Construction
Financing Receivable, Past Due [Line Items]
Loans	1,327,659	1,222,220
90 days or  more and accruing interest	718	573
Non-accrual loans	3,622	4,053
Construction | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	4,852	7,607
Construction | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	1,318,467	1,209,987
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans	1,270,467	1,089,270
90 days or  more and accruing interest	9,363	10,470
Non-accrual loans	4,593	5,923
Residential real estate | 1-to-4 family mortgage | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	11,007	7,058
Residential real estate | 1-to-4 family mortgage | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	1,245,504	1,065,819
Residential real estate | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans	383,039	408,211
90 days or  more and accruing interest	0	239
Non-accrual loans	1,736	1,757
Residential real estate | Residential line of credit | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	319	3,551
Residential real estate | Residential line of credit | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	380,984	402,664
Residential real estate | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Loans	326,551	175,676
90 days or  more and accruing interest	0	57
Non-accrual loans	49	0
Residential real estate | Multi-family mortgage | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	0	0
Residential real estate | Multi-family mortgage | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	326,502	175,619
Commercial real estate | Owner occupied
Financing Receivable, Past Due [Line Items]
Loans	951,582	924,841
90 days or  more and accruing interest	0	0
Non-accrual loans	6,710	7,948
Commercial real estate | Owner occupied | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	1,417	98
Commercial real estate | Owner occupied | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	943,455	916,795
Commercial real estate | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Loans	1,730,165	1,598,979
90 days or  more and accruing interest	0	0
Non-accrual loans	14,084	12,471
Commercial real estate | Non-owner occupied | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	427	915
Commercial real estate | Non-owner occupied | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	1,715,654	1,585,593
Consumer and other
Financing Receivable, Past Due [Line Items]
Loans	324,634	317,640
90 days or  more and accruing interest	1,591	2,027
Non-accrual loans	3,254	2,603
Consumer and other | 30-89 days past due
Financing Receivable, Past Due [Line Items]
Loans	7,398	4,469
Consumer and other | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans	$ 312,391	$ 308,541

Loans and allowance for credi_8

Loans and allowance for credit losses - Amortized Cost and Related Allowance of Non-accrual Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	$ 24,386	$ 32,661
Non-accrual with related allowance	11,182	18,099
Related allowance	555	2,550
Year to date Interest Income	3,400	816
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	1,085	13,960
Non-accrual with related allowance	435	2,045
Related allowance	6	383
Year to date Interest Income	1,371	325
Construction
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	2,882	3,061
Non-accrual with related allowance	740	992
Related allowance	99	131
Year to date Interest Income	156	69
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	378	3,048
Non-accrual with related allowance	4,215	2,875
Related allowance	60	84
Year to date Interest Income	314	22
Residential real estate | Residential line of credit
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	797	854
Non-accrual with related allowance	939	903
Related allowance	11	31
Year to date Interest Income	289	72
Residential real estate | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	0
Non-accrual with related allowance	49
Related allowance	2
Year to date Interest Income	3
Commercial real estate | Owner occupied
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	5,346	7,172
Non-accrual with related allowance	1,364	776
Related allowance	206	63
Year to date Interest Income	536	89
Commercial real estate | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	13,898	4,566
Non-accrual with related allowance	186	7,905
Related allowance	7	1,711
Year to date Interest Income	486	215
Consumer and other
Financing Receivable, Past Due [Line Items]
Non-accrual with no related allowance	0	0
Non-accrual with related allowance	3,254	2,603
Related allowance	164	147
Year to date Interest Income	$ 245	$ 24

Loans and allowance for credi_9

Loans and allowance for credit losses - Financial Effect of TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	23	18	12
Pre-modification outstanding recorded investment	$ 34,115	$ 9,516	$ 7,657
Post-modification outstanding recorded investment	34,115	9,516	7,658
Charge offs and specific reserves	$ 446	$ 0	$ 115
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	8	5	3
Pre-modification outstanding recorded investment	$ 15,430	$ 2,257	$ 3,204
Post-modification outstanding recorded investment	15,430	2,257	3,204
Charge offs and specific reserves	$ 446	$ 0	$ 0
Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan			2
Pre-modification outstanding recorded investment			$ 1,085
Post-modification outstanding recorded investment			1,085
Charge offs and specific reserves			$ 0
Commercial real estate | Owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	7	7	2
Pre-modification outstanding recorded investment	$ 5,209	$ 2,794	$ 1,494
Post-modification outstanding recorded investment	5,209	2,794	1,495
Charge offs and specific reserves	$ 0	$ 0	$ 0
Commercial real estate | Non-owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1	2	1
Pre-modification outstanding recorded investment	$ 11,997	$ 3,752	$ 1,366
Post-modification outstanding recorded investment	11,997	3,752	1,366
Charge offs and specific reserves	$ 0	$ 0	$ 106
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	3	3	2
Pre-modification outstanding recorded investment	$ 945	$ 618	$ 175
Post-modification outstanding recorded investment	945	618	175
Charge offs and specific reserves	$ 0	$ 0	$ 0
Residential real estate | Residential line of credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	3	1	2
Pre-modification outstanding recorded investment	$ 485	$ 95	$ 333
Post-modification outstanding recorded investment	485	95	333
Charge offs and specific reserves	$ 0	$ 0	$ 9
Residential real estate | Multi-family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1
Pre-modification outstanding recorded investment	$ 49
Post-modification outstanding recorded investment	49
Charge offs and specific reserves	$ 0

Loans and allowance for cred_10

Loans and allowance for credit losses - Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	$ 125,559	$ 170,389	$ 31,139	$ 28,932
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	15,751	14,748	4,805	5,348
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	28,576	58,477	10,194	9,729
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	19,104	19,220	3,112	3,428
Residential real estate | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	5,903	10,534	752	811
Commercial real estate | Owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	12,593	4,849	4,109	3,132
Commercial real estate | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	25,768	44,147	4,621	4,149
Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	10,888	11,240	$ 3,002	$ 1,769
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	28,158	16,832
Real Estate | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	799	0
Real Estate | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	3,580	3,877
Real Estate | Residential real estate | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	338	226
Real Estate | Residential real estate | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,400	1,174
Real Estate | Commercial real estate | Owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,117	3,391
Real Estate | Commercial real estate | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	13,899	8,164
Real Estate | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	25
Financial Assets and Equipment
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,161	1,728
Financial Assets and Equipment | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,090	1,728
Financial Assets and Equipment | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Financial Assets and Equipment | Residential real estate | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Financial Assets and Equipment | Residential real estate | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Financial Assets and Equipment | Commercial real estate | Owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	71	0
Financial Assets and Equipment | Commercial real estate | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Financial Assets and Equipment | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Total
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	29,319	18,560
Individually assessed allowance for credit loss	303	1,687
Total | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,889	1,728
Individually assessed allowance for credit loss	0	117
Total | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	3,580	3,877
Individually assessed allowance for credit loss	92	0
Total | Residential real estate | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	338	226
Individually assessed allowance for credit loss	0	0
Total | Residential real estate | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,400	1,174
Individually assessed allowance for credit loss	10	9
Total | Commercial real estate | Owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,188	3,391
Individually assessed allowance for credit loss	200	30
Total | Commercial real estate | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	13,899	8,164
Individually assessed allowance for credit loss	0	$ 1,531
Total | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	25
Individually assessed allowance for credit loss	$ 1

Loans and allowance for cred_11

Loans and allowance for credit losses - Loans in Deferral Program Included in Covid-19 Relief (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance	$ 0	$ 202,517,000
% of Loans		2.90%
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 7,118,000
% of Loans		0.50%
Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 1,918,000
% of Loans		0.20%
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 19,201,000
% of Loans		1.80%
Residential real estate | Residential line of credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 204,000
% of Loans		0.00%
Residential real estate | Multi-family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 3,305,000
% of Loans		1.90%
Commercial real estate | Owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 19,815,000
% of Loans		2.10%
Commercial real estate | Non-owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 139,590,000
% of Loans		8.70%
Consumer and other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Outstanding loans balance		$ 11,366,000
% of Loans		3.60%

Loans and allowance for cred_12

Loans and allowance for credit losses - Average Recorded Investment and Interest Income on Cash Basis Recognized on Impaired Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Average recorded investment
With a related allowance recorded	$ 10,568
With no related allowance recorded	8,197
Total impaired loans	18,765
Interest income recognized (cash basis)
With a related allowance recorded	624
With no related allowance recorded	575
Total impaired loans	1,199
Commercial and industrial
Average recorded investment
With a related allowance recorded	3,349
With no related allowance recorded	2,088
Interest income recognized (cash basis)
With a related allowance recorded	474
With no related allowance recorded	201
Construction
Average recorded investment
With no related allowance recorded	1,641
Interest income recognized (cash basis)
With no related allowance recorded	167
Residential real estate | 1-to-4 family mortgage
Average recorded investment
With a related allowance recorded	205
With no related allowance recorded	963
Interest income recognized (cash basis)
With a related allowance recorded	13
With no related allowance recorded	68
Residential real estate | Residential line of credit
Average recorded investment
With no related allowance recorded	252
Interest income recognized (cash basis)
With no related allowance recorded	1
Commercial real estate | Owner occupied
Average recorded investment
With a related allowance recorded	658
With no related allowance recorded	2,143
Interest income recognized (cash basis)
With a related allowance recorded	27
With no related allowance recorded	133
Commercial real estate | Non-owner occupied
Average recorded investment
With a related allowance recorded	6,196
With no related allowance recorded	1,049
Interest income recognized (cash basis)
With a related allowance recorded	109
With no related allowance recorded	0
Consumer and other
Average recorded investment
With no related allowance recorded	61
Interest income recognized (cash basis)
With no related allowance recorded	$ 5

Loans and allowance for cred_13

Loans and allowance for credit losses - Changes in Value of Accretable Yield for PCI Loans (Details) - PCI Loans $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Balance at the beginning of period	$ (16,587)
Additions through business combinations	(1,167)
Principal reductions and other reclassifications from nonaccretable difference	61
Accretion	7,003
Changes in expected cash flows	(360)
Balance at end of period	$ (11,050)

Premises and equipment - Premis

Premises and equipment - Premises and Equipment and Related Accumulated Depreciation (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Finance lease	$ 1,487	$ 1,588
Premises and equipment and finance lease, gross	212,623	206,881
Less: accumulated depreciation and amortization	(68,884)	(61,766)
Total Premises and Equipment	143,739	145,115
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	33,151	33,151
Premises
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	109,357	108,579
Furniture and fixtures
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	25,611	26,729
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	18,531	18,429
Equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	22,781	16,904
Construction in process
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 1,705	$ 1,501

Premises and equipment - Narrat

Premises and equipment - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Depreciation and amortization	$ 8,416	$ 7,536	$ 5,176
Depreciation and amortization expense	$ 7,411	$ 7,009	$ 5,110

Other real estate owned - Summa

Other real estate owned - Summary of Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Real Estate [Roll Forward]
Balance at beginning of period	$ 12,111	$ 18,939	$ 12,643
Transfers from loans	5,262	2,746	5,487
Transfers to premises and equipment	0	(841)	4,290
Proceeds from sale of other real estate owned	(9,396)	(6,937)	(3,860)
Gain on sale of other real estate owned	3,248	354	1,058
Loans provided for sales of other real estate owned	(704)	(305)	(166)
Write-downs and partial liquidations	(744)	(1,845)	(513)
Balance at end of period	$ 9,777	$ 12,111	$ 18,939

Other real estate owned - Narra

Other real estate owned - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Real Estate Properties [Line Items]
Other real estate owned included excess land and facilities held for sale	$ 3,348,000	$ 5,703,000
Residential Real Estate Properties
Real Estate Properties [Line Items]
Foreclosed residential real estate properties	775,000	1,890,000
Total foreclosure proceedings in process	$ 0	$ 167,000

Goodwill and intangible asset_2

Goodwill and intangible assets - Goodwill Activity (Details) - USD ($) $ in Thousands	Aug. 15, 2020	Feb. 14, 2020	Dec. 31, 2020
Goodwill
Beginning Balance			$ 169,051
Ending Balance			242,561
Farmers National
Goodwill
Addition from acquisition		$ 6,319	6,319
Franklin Financial Network, Inc.
Goodwill
Addition from acquisition	$ 67,191		$ 67,191

Goodwill and intangible asset_3

Goodwill and intangible assets - Core Deposit and Other Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 62,523	$ 62,523
Accumulated Amortization	(45,570)	(40,097)
Net Carrying Amount	16,953	22,426
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	59,835	59,835
Accumulated Amortization	(43,902)	(38,807)
Net Carrying Amount	15,933	21,028
Customer base trust intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	1,600	1,600
Accumulated Amortization	(707)	(547)
Net Carrying Amount	893	1,053
Manufactured housing servicing intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	1,088	1,088
Accumulated Amortization	(961)	(743)
Net Carrying Amount	$ 127	$ 345

Goodwill and intangible asset_4

Goodwill and intangible assets - Narrative (Details) - USD ($)	3 Months Ended		12 Months Ended
	Sep. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Goodwill impairment			$ 0	$ 0
Farmers National | Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Intangible assets acquired		$ 2,490,000
Weighted average life of intangible assets acquired		4 years
Franklin Financial Network, Inc. | Core deposit and other intangibles
Finite-Lived Intangible Assets [Line Items]
Intangible assets acquired	$ 7,670,000
Weighted average life of intangible assets acquired	4 years

Goodwill and intangible asset_5

Goodwill and intangible assets - Estimated Aggregate Future Amortization Expense of Core Deposit and Other Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
2022	$ 4,586
2023	3,658
2025	2,946
2026	2,306
2026	1,563
Thereafter	1,894
Net Carrying Amount	$ 16,953	$ 22,426

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)leasebranchlease_renewal_option	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2022USD ($)
Lessee, Lease, Description [Line Items]
Lessee, number of operating leases | lease	52
Lessee, number of finance leases | branch	1
Lessee, number of total operating leases, noncurrent | lease	42
Lessee, number of total finance leases, noncurrent | branch	1
Lessee, operating and finance lease, number of options to renew | lease_renewal_option	1
Operating lease right-of-use assets	$ 41,686	$ 49,537
Operating lease liabilities	46,367	55,187
Gain on lease modifications and terminations	$ 805	$ 0	$ 0
Forecast | Corporate headquarters
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets				$ 29,000
Operating lease liabilities				$ 30,000
Minimum
Lessee, Lease, Description [Line Items]
Lessee, operating and finance lease, term of contract	1 year
Lessee, operating and finance lease, renewal term	20 years
Maximum
Lessee, Lease, Description [Line Items]
Lessee, operating and finance lease, term of contract	34 years

Leases - Information Related to

Leases - Information Related to Company's Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating leases	$ 41,686	$ 49,537
Finance leases	1,487	1,588
Total right-of-use assets	43,173	51,125
Operating leases	46,367	55,187
Finance leases	1,518	1,598
Total lease liabilities	$ 47,885	$ 56,785
Weighted average remaining lease term (in years) - operating	12 years 4 months 24 days	12 years 2 months 12 days
Weighted average remaining lease term (in years) - finance	13 years 4 months 24 days	14 years 4 months 24 days
Weighted average discount rate - operating	2.73%	2.65%
Weighted average discount rate - finance	1.76%	1.76%
Right-of-use asset - finance [Extensible Enumeration]	Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization	Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization
Lease liabilities - finance [Extensible Enumeration]	Borrowings	Borrowings

Leases - Lease Expense (Details

Leases - Lease Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating lease, amortization of right-of-use asset	$ 7,636	$ 6,228	$ 5,057
Operating lease, short-term lease cost	427	456	365
Operating lease, variable lease cost	1,003	602	682
Gain on lease modifications and terminations	(805)	0	0
Finance lease, interest on lease liabilities	25	11	0
Finance lease, amortization of right-of-use asset	101	43	0
Finance lease, impairment	0	2,142	0
Total lease cost	$ 8,387	$ 9,482	$ 6,104

Leases - Maturity Analysis of O

Leases - Maturity Analysis of Operating and Finance Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Operating Leases
December 31, 2022	$ 7,245
December 31, 2023	5,763
December 31, 2024	5,019
December 31, 2025	4,760
December 31, 2026	4,635
Thereafter	28,461
Total undiscounted future minimum lease payments	55,883
Less: imputed interest	(9,516)
Operating leases	46,367	$ 55,187
Finance Lease
December 31, 2022	116
December 31, 2023	118
December 31, 2024	120
December 31, 2025	121
December 31, 2026	123
Thereafter	1,102
Total undiscounted future minimum lease payments	1,700
Less: imputed interest	(182)
Finance leases	$ 1,518	$ 1,598

Mortgage servicing rights - Cha

Mortgage servicing rights - Changes in Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Servicing Asset at Fair Value, Amount [Roll Forward]
Carrying value at beginning of period	$ 79,997	$ 75,521	$ 88,829
Capitalization	39,018	47,025	42,151
Mortgage servicing rights acquired from Franklin, at fair value	0	5,111	0
Change in fair value:
Due to pay-offs/pay-downs	(30,583)	(27,834)	(16,350)
Due to change in valuation inputs or assumptions	27,080	(19,826)	(9,949)
Carrying value at end of period	115,512	79,997	75,521
Servicing Asset at Amortized Cost, Disposals	$ 0	$ 0	$ (29,160)

Mortgage servicing rights - Ser

Mortgage servicing rights - Servicing Income and Expense Included in Mortgage Banking Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Servicing income:
Servicing income	$ 28,890	$ 22,128	$ 17,677
Change in fair value of mortgage servicing rights	(3,503)	(47,660)	(26,299)
Change in fair value of derivative hedging instruments	(8,614)	13,286	9,310
Servicing income (loss)	16,773	(12,246)	688
Servicing expenses	9,862	7,890	6,832
Net servicing income (loss)	$ 6,911	$ (20,136)	$ (6,144)

Mortgage servicing rights - Dat

Mortgage servicing rights - Data and Key Economic Assumptions Related to Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Transfers and Servicing of Financial Assets [Abstract]
Unpaid principal balance	$ 10,759,286	$ 9,787,657
Weighted-average prepayment speed (CPR)	9.31%	14.07%
Estimated impact on fair value of a 10% increase	$ (4,905)	$ (4,493)
Estimated impact on fair value of a 20% increase	$ (9,429)	$ (8,599)
Discount rate	9.81%	11.49%
Estimated impact on fair value of a 100 bp increase	$ (4,785)	$ (2,942)
Estimated impact on fair value of a 200 bp increase	$ (9,198)	$ (5,674)
Weighted-average coupon interest rate	3.23%	3.58%
Weighted-average servicing fee (basis points)	0.27%	0.28%
Weighted-average remaining maturity (in months)	330 months	328 months

Mortgage servicing rights - Nar

Mortgage servicing rights - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Transfers and Servicing of Financial Assets [Abstract]
Mortgage escrow deposit	$ 127,617	$ 147,957

Other assets and other liabil_3

Other assets and other liabilities - Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Other Assets And Other Liabilities [Abstract]
Prepaid expenses	$ 12,371	$ 7,332
Software	578	1,147
Mortgage lending receivable	12,078	14,100
Derivatives	27,384	68,938
Deferred tax asset	0	16,396
FHLB lender risk account receivable	17,130	12,729
Pledged collateral on derivative instruments	57,868	57,985
Other assets	44,827	23,512
Other assets	$ 172,236	$ 202,139

Other assets and other liabil_4

Other assets and other liabilities - Other Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Other Assets And Other Liabilities [Abstract]
Deferred compensation	$ 2,173	$ 2,581
Accrued payroll	22,138	35,827
Mortgage buyback reserve	4,802	5,928
Accrued interest	3,162	6,772
Derivatives	21,000	48,242
Deferred tax liability	6,820	0
FHLB lender risk account guaranty	8,372	6,183
Reserve for unfunded commitments	14,380	16,378
Other liabilities	27,102	42,489
Accrued expenses and other liabilities	$ 109,949	$ 164,400

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Time deposits in denomination of greater than $250	$ 303,289	$ 425,227
Deposits in overdraft status reclassified as loans	$ 2,574	$ 2,965

Deposits - Maturities of Time D

Deposits - Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2021USD ($)
Deposits [Abstract]
December 31, 2022	$ 812,377
December 31, 2023	211,512
December 31, 2024	58,449
December 31, 2025	22,217
December 31, 2026	26,474
Thereafter	52
Total	$ 1,131,081

Borrowings - Long Term Instrume

Borrowings - Long Term Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 171,778	$ 238,324
Weighted Average Interest Rate	0.21%	0.47%
Securities sold under agreements to repurchase
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 40,716	$ 32,199
Weighted Average Interest Rate	0.21%	0.47%
Subordinated debt
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 129,544	$ 189,527
Weighted Average Interest Rate	4.24%	5.10%
Other borrowings
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 1,518	$ 16,598
Weighted Average Interest Rate	1.76%	1.88%

Borrowings - Securities Sold Un

Borrowings - Securities Sold Under Agreements to Repurchase (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Debt Disclosure [Abstract]
Balance at year end	$ 40,716,000	$ 32,199,000
Average daily balance during the year	$ 36,453,000	$ 32,912,000
Average interest rate during the year	0.27%	0.61%
Maximum month-end balance during the year	$ 41,730,000	$ 40,282,000
Weighted average interest rate at year-end	0.21%	0.47%
Assets Sold under Agreements to Repurchase [Line Items]
Percentage of fair value of securities pledged of the outstanding balance of repurchase agreement	1
Borrowings outstanding under line of credit as federal funds purchased	$ 0	$ 0
Federal Funds Purchased
Assets Sold under Agreements to Repurchase [Line Items]
Line of credit	$ 325,000,000	$ 335,000,000

Borrowings - Federal Home Loan

Borrowings - Federal Home Loan Bank Advances (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral securing line of credit	$ 2,717,967,000	$ 2,781,606,000
Total borrowing capacity remaining	1,233,254,000	1,276,095,000
Borrowings against line of credit	0	0
Federal Reserve Bank
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Pledged loans to the Federal Reserve Bank	2,440,097,000	2,463,281,000
Line of credit	1,741,192,000	1,695,639,000
Collateral Pledged
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Letter of credit pledged	0	100,000,000
FHLB Overnight
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Additional line available	$ 800,000,000	$ 800,000,000

Borrowings - Subordinated Debt

Borrowings - Subordinated Debt (Details)	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)issue	Dec. 31, 2019USD ($)	Dec. 31, 2003USD ($)	Dec. 31, 2004trust
Debt Instrument [Line Items]
Net proceeds from sale of common stock under employee stock purchase program	$ 1,480,000	$ 978,000	$ 804,000
Borrowings	171,778,000	238,324,000
Subordinated debt
Debt Instrument [Line Items]
Number of separate trusts | trust					2
Borrowings	30,930,000
Subordinated debt | Franklin Financial Network, Inc.
Debt Instrument [Line Items]
Debt instrument, face amount		$ 60,000,000
Number of issues | issue		2
Borrowings		$ 60,369,000
Fair value premium adjustment		369,000
Subordinated debt | Floating Rate Trust Preferred Securities Trust
Debt Instrument [Line Items]
Preferred securities issued to form the trust	$ 30,000,000	$ 30,000,000
Distribution payment period of occurrence of a special event	120 days
Subordinated debt | Floating Rate Trust Preferred Securities Trust I
Debt Instrument [Line Items]
Preferred securities issued to form the trust				$ 9,000,000
Issuance of subordinated debt, net of issuance costs				9,280,000
Net proceeds from sale of common stock under employee stock purchase program				$ 280,000
Debt instrument, interest rate	3.47%	3.50%
Subordinated debt | Floating Rate Trust Preferred Securities Trust I | LIBOR
Debt Instrument [Line Items]
Basis spread on debt variable rate				3.25%
Subordinated debt | Floating Rate Trust Preferred Securities Trust II
Debt Instrument [Line Items]
Preferred securities issued to form the trust				$ 21,000,000
Issuance of subordinated debt, net of issuance costs				21,650,000
Net proceeds from sale of common stock under employee stock purchase program				$ 650,000
Debt instrument, interest rate	3.37%	3.40%
Subordinated debt | Floating Rate Trust Preferred Securities Trust II | LIBOR
Debt Instrument [Line Items]
Basis spread on debt variable rate				3.15%
Subordinated debt | Fixed To Floating Rate Note
Debt Instrument [Line Items]
Basis spread on debt variable rate		4.39%
Debt instrument, interest rate		4.50%
Debt instrument, face amount		$ 100,000,000
Long-term debt, term		10 years
Debt instrument, interest rate, phase one period		5 years
Unamortized debt issuance costs	$ 1,386,000	$ 1,772,000
Percentage of tier 2 capital treatment lost	20.00%
Period for loss of tier 2 capital treatment	5 years
Subordinated debt | Fixed To Floating Rate Note | Minimum
Debt Instrument [Line Items]
Debt instrument, interest rate, phase two period		6 years
Subordinated debt | Fixed To Floating Rate Note | Maximum
Debt Instrument [Line Items]
Debt instrument, interest rate, phase two period		10 years
Subordinated debt | March 2026 Subordinated Notes | Franklin Financial Network, Inc.
Debt Instrument [Line Items]
Preferred securities issued to form the trust		$ 40,000,000
Debt instrument, interest rate		6.875%
Subordinated debt | July 2026 Subordinated Notes | Franklin Financial Network, Inc.
Debt Instrument [Line Items]
Preferred securities issued to form the trust		$ 20,000
Debt instrument, interest rate		7.00%

Borrowings - Other Borrowings (

Borrowings - Other Borrowings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2021
Debt Instrument [Line Items]
Finance leases	$ 1,598,000	$ 1,518,000
Lease liabilities - finance [Extensible Enumeration]	Borrowings	Borrowings
Line of Credit
Debt Instrument [Line Items]
Credit line	$ 20,000,000
Amount borrowed from credit line	15,000,000
Remaining amount available under credit line	$ 5,000,000
Credit line term	1 year
Line of Credit | LIBOR
Debt Instrument [Line Items]
Basis spread on debt variable rate	1.75%

Income taxes - Allocation of Fe

Income taxes - Allocation of Federal and State Income Taxes between Current and Deferred Portions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Current	$ 21,980	$ 44,362	$ 27,641
Deferred	30,770	(25,530)	(1,916)
Total	$ 52,750	$ 18,832	$ 25,725

Income taxes - Reconciliation o

Income taxes - Reconciliation of Income Taxes Computed at the United States Federal Statutory Tax Rates to the Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Federal taxes calculated at statutory rate, amount	$ 51,041	$ 17,317	$ 23,003
Amount increase (decrease) resulting from:
State taxes, net of federal benefit	8,788	3,197	4,792
(Benefit) expense from equity based compensation	(2,719)	153	(1,353)
Municipal interest income, net of interest disallowance	(1,818)	(1,507)	(908)
Bank-owned life insurance	(324)	(327)	(51)
NOL Carryback provision under CARES Act	(3,424)	0	0
Merger and offering costs	123	289	66
Section 162(m) limitation	1,381	0	0
Other	(298)	(290)	176
Total	$ 52,750	$ 18,832	$ 25,725
Federal taxes calculated at statutory rate, percent	21.00%	21.00%	21.00%
Percentage increase (decrease) resulting from:
State taxes, net of federal benefit	3.50%	3.80%	4.40%
(Benefit) expense from equity based compensation	(1.10%)	0.20%	(1.20%)
Municipal interest income, net of interest disallowance	(0.80%)	(1.80%)	(0.80%)
Bank-owned life insurance	(0.10%)	(0.40%)	(0.10%)
NOL Carryback provision under CARES Act	(1.40%)	0.00%	0.00%
Merger and offering costs	0.10%	0.40%	0.10%
Section 162(m) limitation	0.60%	0.00%	0.00%
Other	(0.10%)	(0.40%)	0.10%
Total	21.70%	22.80%	23.50%

Income taxes - Schedule of Net

Income taxes - Schedule of Net Deferred Tax (Liabilities) Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for credit losses	$ 35,233	$ 48,409
Operating lease liabilities	12,478	14,496
Federal net operating loss	1,370	1,753
Deferred compensation	5,484	8,872
Unrealized loss on cash flow hedges	205	499
Other assets	8,301	19,101
Subtotal	63,071	93,130
Deferred tax liabilities:
FHLB stock dividends	(484)	(561)
Operating leases - right of use assets	(11,287)	(13,197)
Depreciation	(7,938)	(7,491)
Amortization of core deposit intangibles	(116)	(684)
Unrealized gain on equity securities	(2,407)	(17)
Unrealized gain on debt securities	(1,324)	(13,027)
Mortgage servicing rights	(30,098)	(20,803)
Goodwill	(13,743)	(11,301)
Other liabilities	(2,494)	(9,653)
Subtotal	(69,891)	(76,734)
Net deferred tax (liabilities) assets	$ (6,820)
Net deferred tax assets		$ 16,396

Income taxes - Narrative (Detai

Income taxes - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Business Acquisition [Line Items]
Acquired net operating losses	$ 1,370	$ 1,753
Franklin Financial Network, Inc.
Business Acquisition [Line Items]
Acquired net operating losses	$ 6,523

Dividend restrictions (Details)

Dividend restrictions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Amount available for payment of dividend without prior approval	$ 170,769,000	$ 185,703,000
Cash dividends	122,500,000	48,750,000
Security dividends	$ 0	$ 956,000

Commitments and contingencies -

Commitments and contingencies - Financial Instruments with Off-Balance Sheet Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	$ 3,184,021	$ 2,787,594
Commitments to extend credit, excluding interest rate lock commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	3,106,594	2,719,996
Letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	$ 77,427	$ 67,598

Commitments and contingencies_2

Commitments and contingencies - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Floating interest rate loan commitments	$ 2,260,000	$ 1,650,000
Total principal amount of loans repurchased or indemnified	$ 7,364	$ 9,171	$ 6,475

Commitments and contingencies_3

Commitments and contingencies - Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	$ 170,389	$ 31,139
Balance at end of period	125,559	170,389
Unfunded Commitments
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	16,378	0
Impact of CECL adoption on provision for credit losses on unfunded commitments	0	2,947
Increase in provision for credit losses from unfunded commitments acquired in business combination	0	10,499
Provision for credit losses on unfunded commitments	(1,998)	2,932
Balance at end of period	$ 14,380	$ 16,378

Commitments and contingencies_4

Commitments and contingencies - Activity in the Repurchase Reserve (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	$ 5,928	$ 3,529	$ 3,273
Provision for loan repurchases or indemnifications	(766)	2,607	362
Losses on loans repurchased or indemnified	(360)	(208)	(106)
Balance at end of period	$ 4,802	$ 5,928	$ 3,529

Derivatives - Narrative (Detail

Derivatives - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)derivative	Dec. 31, 2018USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2017derivative
Derivative [Line Items]
Borrowings	$ 171,778,000		$ 238,324,000
Net liability position	0		0
Cash collateral pledged on derivatives	$ 57,868,000		57,985,000
Subordinated debt
Derivative [Line Items]
Number of derivative instruments | derivative	2			3
Borrowings	$ 30,930,000
Interest rate swaps
Derivative [Line Items]
Gain on canceled derivatives		$ 1,564,000
Interest rate swaps | Subordinated debt
Derivative [Line Items]
Notional amount	30,000,000
Fair value of contract of net liability balances of interest rate swaps	$ 785,000		$ 1,909,000
Interest rate swaps | LIBOR | Subordinated debt
Derivative [Line Items]
Derivative variable interest rate	2.08%
Minimum
Derivative [Line Items]
Period to lock interest rate on mortgage loan commitments	45 days
Maximum
Derivative [Line Items]
Period to lock interest rate on mortgage loan commitments	90 days

Derivatives - Derivative Financ

Derivatives - Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Asset	$ 27,384	$ 68,938
Liability	21,000	48,242
Not designated as hedging
Derivatives, Fair Value [Line Items]
Notional Amount	2,696,444	3,532,227
Asset	27,384	68,938
Liability	20,215	46,333
Not designated as hedging | Interest rate contracts
Derivatives, Fair Value [Line Items]
Notional Amount	600,048	606,878
Asset	19,265	34,547
Liability	19,138	34,317
Not designated as hedging | Forward commitments
Derivatives, Fair Value [Line Items]
Notional Amount	1,180,000	1,358,328
Asset	0	0
Liability	1,077	11,633
Not designated as hedging | Interest rate-lock commitments
Derivatives, Fair Value [Line Items]
Notional Amount	487,396	1,191,621
Asset	7,197	34,391
Liability	0	0
Not designated as hedging | Futures contracts
Derivatives, Fair Value [Line Items]
Notional Amount	429,000	375,400
Asset	922	0
Liability	0	383
Designated as hedging | Interest rate swaps
Derivatives, Fair Value [Line Items]
Notional Amount	30,000	30,000
Asset	0	0
Liability	$ 785	$ 1,909

Derivatives - Gains (Losses) In

Derivatives - Gains (Losses) Included in the Consolidated Statements of Income Related to Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivatives, Fair Value [Line Items]
Net tax expenses on reclassification adjustment on gain on hedging activities	$ 0	$ 337	$ 170
Amount of gain reclassified from other comprehensive income and recognized in interest expense on borrowings, net of tax expenses of $0, $337 and $170	0	955	481
Net tax expenses (benefits) recognized on net change in unrealized gain (loss) on hedging activities	293	(363)	(322)
Net change in unrealized loss in hedging activities, net of tax expenses (benefits) of $293, $(363) and $(322)	831	(1,031)	(914)
Not designated as hedging | Mortgage Banking Income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(9,482)	(37,543)	3,288
Not designated as hedging | Interest rate-lock commitments | Mortgage Banking Income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(27,194)	27,339	(2,112)
Not designated as hedging | Forward commitments | Mortgage Banking Income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	25,661	(73,033)	12,170
Not designated as hedging | Futures contracts | Mortgage Banking Income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(7,949)	8,151	(6,723)
Not designated as hedging | Option contracts | Mortgage Banking Income
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	0	0	(47)
Designated as hedging
Derivatives, Fair Value [Line Items]
Total	(577)	602	596
Net change in unrealized loss in hedging activities, net of tax expenses (benefits) of $293, $(363) and $(322)	831	(1,031)	(914)
Designated as hedging | Interest Expense on Borrowings
Derivatives, Fair Value [Line Items]
Amount of gain reclassified from other comprehensive income and recognized in interest expense on borrowings, net of tax expenses of $0, $337 and $170	0	955	481
Loss included in interest expense on borrowings	$ (577)	$ (353)	$ 115

Derivatives - Offsetting Deriva

Derivatives - Offsetting Derivative Assets and Liabilities (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Offsetting Derivative Assets
Gross amounts recognized	$ 4,990,000	$ 3,863,000
Gross amounts offset in the consolidated balance sheets	0	0
Net amounts presented in the consolidated balance sheets	4,990,000	3,863,000
Gross amounts not offset in the consolidated balance sheets, less financial instruments	4,297,000	857,000
Gross amounts not offset in the consolidated balance sheets, less financial collateral pledged	0	0
Net amounts	693,000	3,006,000
Offsetting Derivative Liabilities
Gross amounts recognized	15,733,000	34,051,000
Gross amounts offset in the consolidated balance sheets	0	0
Net amounts presented in the consolidated balance sheets	15,733,000	34,051,000
Gross amounts not offset in the consolidated balance sheets, less financial instruments	4,297,000	857,000
Gross amounts not offset in the consolidated balance sheets, less financial collateral pledged	11,436,000	33,194,000
Net amounts	$ 0	$ 0

Fair value of financial instr_3

Fair value of financial instruments - Estimated Fair Values and Carrying Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets:
Net loans	$ 7,479,103	$ 6,912,570
Loans held for sale	752,223	899,173
Interest receivable	38,528	43,603
Derivatives	27,384	68,938
Financial liabilities:
Derivatives	21,000	48,242
Carrying amount
Financial assets:
Cash and cash equivalents	1,797,740	1,317,898
Investment securities	1,681,892	1,176,991
Net loans	7,479,103	6,912,570
Loans held for sale	752,223	899,173
Interest receivable	38,528	43,603
Mortgage servicing rights	115,512	79,997
Derivatives	27,384	68,938
Financial liabilities:
Deposits, Without stated maturities	9,705,816	8,020,783
Deposits, With stated maturities	1,131,081	1,437,254
Securities sold under agreement to repurchase and federal funds sold	40,716	32,199
Subordinated debt	129,544	189,527
Other borrowings		15,000
Interest payable	3,162	6,772
Derivatives	21,000	48,242
Fair Value
Financial assets:
Cash and cash equivalents	1,797,740	1,317,898
Investment securities	1,681,892	1,176,991
Net loans	7,566,717	7,058,693
Loans held for sale	752,223	899,173
Interest receivable	38,528	43,603
Mortgage servicing rights	115,512	79,997
Derivatives	27,384	68,938
Financial liabilities:
Deposits, Without stated maturities	9,705,816	8,020,783
Deposits, With stated maturities	1,137,647	1,446,605
Securities sold under agreement to repurchase and federal funds sold	40,716	32,199
Subordinated debt	133,021	192,149
Other borrowings		15,000
Interest payable	3,162	6,772
Derivatives	21,000	48,242
Fair Value | Level 1
Financial assets:
Cash and cash equivalents	1,797,740	1,317,898
Investment securities	0	0
Net loans	0	0
Loans held for sale	0	0
Interest receivable	36	33
Mortgage servicing rights	0	0
Derivatives	0	0
Financial liabilities:
Deposits, Without stated maturities	9,705,816	8,020,783
Deposits, With stated maturities	0	0
Securities sold under agreement to repurchase and federal funds sold	40,716	32,199
Subordinated debt	0	0
Other borrowings		0
Interest payable	140	327
Derivatives	0	0
Fair Value | Level 2
Financial assets:
Cash and cash equivalents	0	0
Investment securities	1,681,892	1,176,991
Net loans	0	0
Loans held for sale	672,924	683,770
Interest receivable	6,461	5,254
Mortgage servicing rights	0	0
Derivatives	27,384	68,938
Financial liabilities:
Deposits, Without stated maturities	0	0
Deposits, With stated maturities	1,137,647	1,446,605
Securities sold under agreement to repurchase and federal funds sold	0	0
Subordinated debt	0	0
Other borrowings		15,000
Interest payable	1,510	4,210
Derivatives	21,000	48,242
Fair Value | Level 3
Financial assets:
Cash and cash equivalents	0	0
Investment securities	0	0
Net loans	7,566,717	7,058,693
Loans held for sale	79,299	215,403
Interest receivable	32,031	38,316
Mortgage servicing rights	115,512	79,997
Derivatives	0	0
Financial liabilities:
Deposits, Without stated maturities	0	0
Deposits, With stated maturities	0	0
Securities sold under agreement to repurchase and federal funds sold	0	0
Subordinated debt	133,021	192,149
Other borrowings		0
Interest payable	1,512	2,235
Derivatives	$ 0	$ 0

Fair value of financial instr_4

Fair value of financial instruments - Balances and Levels of Assets Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets:
Available-for-sale debt securities, at fair value	$ 1,678,525	$ 1,172,400
Equity securities, at fair value	3,367	4,591
Loans held for sale	752,223	899,173
Derivatives	27,384	68,938
Financial liabilities:
Derivatives	21,000	48,242
Mortgage-backed securities - residential
Financial assets:
Available-for-sale debt securities, at fair value	1,269,372	773,336
Mortgage-backed securities - commercial
Financial assets:
Available-for-sale debt securities, at fair value	15,250	21,588
Municipal securities
Financial assets:
Available-for-sale debt securities, at fair value	338,610	356,329
Treasury securities
Financial assets:
Available-for-sale debt securities, at fair value	14,908	16,628
Corporate securities
Financial assets:
Available-for-sale debt securities, at fair value	6,515	2,516
Recurring Basis
Financial assets:
Equity securities, at fair value	3,367	4,591
Total securities	1,681,892	1,176,991
Loans held for sale	752,223	899,173
Mortgage servicing rights	115,512	79,997
Derivatives	27,384	68,938
Financial liabilities:
Derivatives	21,000	48,242
Recurring Basis | U.S. government agency securities
Financial assets:
Available-for-sale debt securities, at fair value	33,870	2,003
Recurring Basis | Mortgage-backed securities - residential
Financial assets:
Available-for-sale debt securities, at fair value	1,269,372	773,336
Recurring Basis | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale debt securities, at fair value	15,250	21,588
Recurring Basis | Municipal securities
Financial assets:
Available-for-sale debt securities, at fair value	338,610	356,329
Recurring Basis | Treasury securities
Financial assets:
Available-for-sale debt securities, at fair value	14,908	16,628
Recurring Basis | Corporate securities
Financial assets:
Available-for-sale debt securities, at fair value	6,515	2,516
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1)
Financial assets:
Equity securities, at fair value	0	0
Total securities	0	0
Loans held for sale	0	0
Mortgage servicing rights	0	0
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | U.S. government agency securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - residential
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Municipal securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Treasury securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Corporate securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Significant other observable inputs (level 2)
Financial assets:
Equity securities, at fair value	3,367	4,591
Total securities	1,681,892	1,176,991
Loans held for sale	672,924	683,770
Mortgage servicing rights	0	0
Derivatives	27,384	68,938
Financial liabilities:
Derivatives	21,000	48,242
Recurring Basis | Significant other observable inputs (level 2) | U.S. government agency securities
Financial assets:
Available-for-sale debt securities, at fair value	33,870	2,003
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - residential
Financial assets:
Available-for-sale debt securities, at fair value	1,269,372	773,336
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale debt securities, at fair value	15,250	21,588
Recurring Basis | Significant other observable inputs (level 2) | Municipal securities
Financial assets:
Available-for-sale debt securities, at fair value	338,610	356,329
Recurring Basis | Significant other observable inputs (level 2) | Treasury securities
Financial assets:
Available-for-sale debt securities, at fair value	14,908	16,628
Recurring Basis | Significant other observable inputs (level 2) | Corporate securities
Financial assets:
Available-for-sale debt securities, at fair value	6,515	2,516
Recurring Basis | Significant unobservable inputs (level 3)
Financial assets:
Equity securities, at fair value	0	0
Total securities	0	0
Loans held for sale	79,299	215,403
Mortgage servicing rights	115,512	79,997
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. government agency securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - residential
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Municipal securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Treasury securities
Financial assets:
Available-for-sale debt securities, at fair value	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Corporate securities
Financial assets:
Available-for-sale debt securities, at fair value	$ 0	$ 0

Fair value of financial instr_5

Fair value of financial instruments - Balances and Levels of Assets Measured at Fair Value on Non-recurring Basis (Details) - Non-recurring Basis - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets:
Other real estate owned	$ 6,308	$ 6,662
Collateral dependent loans	5,477	6,153
Commercial and industrial
Financial assets:
Collateral dependent loans		684
Construction
Financial assets:
Collateral dependent loans	606
Residential real estate | Residential line of credit
Financial assets:
Collateral dependent loans	592	311
Commercial real estate | Owner occupied
Financial assets:
Collateral dependent loans	729	136
Commercial real estate | Non-owner occupied
Financial assets:
Collateral dependent loans	3,526	5,022
Consumer and other
Financial assets:
Collateral dependent loans	24
Quoted prices in active markets for identical assets (liabilities) (level 1)
Financial assets:
Other real estate owned	0	0
Collateral dependent loans	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial and industrial
Financial assets:
Collateral dependent loans		0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Construction
Financial assets:
Collateral dependent loans	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Residential real estate | Residential line of credit
Financial assets:
Collateral dependent loans	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial real estate | Owner occupied
Financial assets:
Collateral dependent loans	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial real estate | Non-owner occupied
Financial assets:
Collateral dependent loans	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Consumer and other
Financial assets:
Collateral dependent loans	0
Significant other observable inputs (level 2)
Financial assets:
Other real estate owned	0	0
Collateral dependent loans	0	0
Significant other observable inputs (level 2) | Commercial and industrial
Financial assets:
Collateral dependent loans		0
Significant other observable inputs (level 2) | Construction
Financial assets:
Collateral dependent loans	0
Significant other observable inputs (level 2) | Residential real estate | Residential line of credit
Financial assets:
Collateral dependent loans	0	0
Significant other observable inputs (level 2) | Commercial real estate | Owner occupied
Financial assets:
Collateral dependent loans	0	0
Significant other observable inputs (level 2) | Commercial real estate | Non-owner occupied
Financial assets:
Collateral dependent loans	0	0
Significant other observable inputs (level 2) | Consumer and other
Financial assets:
Collateral dependent loans	0
Significant unobservable inputs (level 3)
Financial assets:
Other real estate owned	6,308	6,662
Collateral dependent loans	5,477	6,153
Significant unobservable inputs (level 3) | Commercial and industrial
Financial assets:
Collateral dependent loans		684
Significant unobservable inputs (level 3) | Construction
Financial assets:
Collateral dependent loans	606
Significant unobservable inputs (level 3) | Residential real estate | Residential line of credit
Financial assets:
Collateral dependent loans	592	311
Significant unobservable inputs (level 3) | Commercial real estate | Owner occupied
Financial assets:
Collateral dependent loans	729	136
Significant unobservable inputs (level 3) | Commercial real estate | Non-owner occupied
Financial assets:
Collateral dependent loans	3,526	$ 5,022
Significant unobservable inputs (level 3) | Consumer and other
Financial assets:
Collateral dependent loans	$ 24

Fair value of financial instr_6

Fair value of financial instruments - Information about Significant Unobservable Inputs (Level 3) Used in Valuation of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Non-recurring Basis $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	$ 5,477	$ 6,153
Other real estate owned	6,308	6,662
Significant unobservable inputs (level 3)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	5,477	6,153
Other real estate owned	$ 6,308	$ 6,662
Significant unobservable inputs (level 3) | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans, measurement input	0.10	0
Other real estate owned, measurement input	0	0
Significant unobservable inputs (level 3) | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans, measurement input	0.35	0.30
Other real estate owned, measurement input	0.15	0.15

Fair value of financial instr_7

Fair value of financial instruments - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Percent of remaining principal allowed to buy back under GNMA optional repurchase programs	100.00%
Franklin Financial Network, Inc. | Commercial and industrial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Gain recognized on the change in fair value of portfolio	$ 4,898
Additional gain recognized on pay-off related to amounts charged off prior to acquisition of portfolio	6,274
Level 3 | Non-recurring Basis
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Amortized costs of collateral dependent loans	2,255	$ 7,839
Mortgage Loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Net (losses) gains from fair value changes of mortgage loans held for sale recorded in income	(16,976)	24,233	$ (2,861)
GNMA
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Delinquent GNMA loans that had been previously sold	$ 94,648	$ 151,184

Fair value of financial instr_8

Fair value of financial instruments - Loans Held for Sale at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	$ 752,223	$ 899,173
Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	79,299	215,403
Residential real estate | 1-to-4 family mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	672,924	683,770
Recurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	752,223	899,173
Recurring Basis | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	79,299	215,403
Recurring Basis | Residential real estate | 1-to-4 family mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	$ 672,924	$ 683,770

Fair value of financial instr_9

Fair value of financial instruments - Changes in Fair Value Associated with Commercial Loans Held for Sale (Details) - Franklin Financial Network, Inc. - Commercial and industrial - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Change in fair value:
Changes in valuation included in other noninterest income	$ 4,898
Carrying amount
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value at beginning of period	239,063	$ 0
Commercial loans held for sale acquired from Franklin		350,269
Change in fair value:
Pay-downs and pay-offs	(141,002)	(111,206)
Write-offs to discount	(8,563)	0
Changes in valuation included in other noninterest income	(2,736)	0
Carrying value at end of period	86,762	239,063
Fair Value Discount
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value at beginning of period	(23,660)	0
Commercial loans held for sale acquired from Franklin		(24,063)
Change in fair value:
Pay-downs and pay-offs	0	0
Write-offs to discount	8,563	(2,825)
Changes in valuation included in other noninterest income	7,634	3,228
Carrying value at end of period	(7,463)	(23,660)
Fair Value
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value at beginning of period	215,403	0
Commercial loans held for sale acquired from Franklin		326,206
Change in fair value:
Pay-downs and pay-offs	(141,002)	(111,206)
Write-offs to discount	0	(2,825)
Changes in valuation included in other noninterest income		3,228
Carrying value at end of period	$ 79,299	$ 215,403

Fair value of financial inst_10

Fair value of financial instruments - Differences Between Fair Value and Principal Balance for Loans Held for Sale Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	$ 672,924	$ 683,770
Nonaccrual loans	5,217	6,406
Fair Value | Past due 90 days or more
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value		83
Fair Value | Commercial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	74,082	208,914
Aggregate Unpaid Principal Balance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	658,017	651,887
Nonaccrual loans	9,899	12,033
Aggregate Unpaid Principal Balance | Past due 90 days or more
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value		163
Aggregate Unpaid Principal Balance | Commercial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	76,863	226,867
Difference
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	14,907	31,883
Nonaccrual loans	(4,682)	(5,627)
Difference | Past due 90 days or more
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value		(80)
Difference | Commercial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	$ (2,781)	$ (17,953)

Parent company financial stat_3

Parent company financial statements - Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and cash equivalents	$ 1,797,740	$ 1,317,898
Equity securities, at fair value	3,367	4,591
Other assets	172,236	202,139
Goodwill	242,561	242,561	$ 169,051
Total assets	12,597,686	11,207,330	$ 6,124,921
LIABILITIES
Borrowings	171,778	238,324
Accrued expenses and other liabilities	109,949	164,400
Total liabilities	11,164,991	9,915,948
SHAREHOLDERS' EQUITY
Common stock	47,549	47,222
Additional paid-in capital	892,529	898,847
Retained earnings	486,666	317,625
Accumulated other comprehensive income	5,858	27,595
Total FB Financial Corporation common shareholders' equity	1,432,602	1,291,289
Total liabilities and shareholders' equity	12,597,686	11,207,330
Parent Company
ASSETS
Cash and cash equivalents	21,515	5,310
Equity securities, at fair value	0	1,173
Investments in subsidiaries	1,427,784	1,378,347
Other assets	14,487	12,240
Goodwill	29	29
Total assets	1,463,815	1,397,099
LIABILITIES
Borrowings	30,930	106,299
Accrued expenses and other liabilities	283	(489)
Total liabilities	31,213	105,810
SHAREHOLDERS' EQUITY
Common stock	47,549	47,222
Additional paid-in capital	892,529	898,847
Retained earnings	486,666	317,625
Accumulated other comprehensive income	5,858	27,595
Total FB Financial Corporation common shareholders' equity	1,432,602	1,291,289
Total liabilities and shareholders' equity	$ 1,463,815	$ 1,397,099

Parent company financial stat_4

Parent company financial statements - Income Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income
Dividend income from bank subsidiaries	$ 2,893	$ 2,705	$ 4,051
Loss on other assets	323	(90)	(104)
Net interest income	347,370	265,658	226,036
Interest expense
Interest expense	37,628	48,986	56,501
Other noninterest expense	359,678	364,226	235,326
Net income applicable to FB Financial Corporation	190,285	63,621	83,814
Parent Company
Income
Dividend income from bank subsidiaries	122,500	49,706	0
Dividend income from nonbank subsidiaries	2,525	0	0
Gain on investments	249	217	0
Loss on other assets	0	0	(16)
Other income	15	1,732	211
Net interest income	125,289	51,655	195
Interest expense
Interest expense	2,455	3,122	1,638
Salaries, legal and professional fees	1,445	1,458	1,056
Other noninterest expense	1,812	283	120
Total expenses	5,712	4,863	2,814
Income (loss) before income tax benefit and equity in undistributed earnings of subsidiaries	119,577	46,792	(2,619)
Federal and state income tax benefit	(2,992)	(1,155)	(683)
Income (loss) before equity in undistributed earnings of subsidiaries	122,569	47,947	(1,936)
Equity in undistributed earnings from bank subsidiaries	68,351	15,168	85,750
Equity in undistributed earnings from nonbank subsidiaries	(635)	506	0
Net income applicable to FB Financial Corporation	$ 190,285	$ 63,621	$ 83,814

Parent company financial stat_5

Parent company financial statements - Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Activities
Net income	$ 190,285	$ 63,621	$ 83,814
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Loss on other assets	(323)	90	104
Stock-based compensation expense	10,282	10,214	7,089
Net cash provided by (used in) operating activities	54,878	(270,002)	63,905
Investing Activities
Net cash (used in) provided by investing activities	(849,558)	310,136	(182,913)
Financing Activities
Payment of dividends	(21,583)	(14,264)	(10,045)
Payments on subordinated debt	(60,000)	0	0
Net proceeds from sale of common stock under employee stock purchase program	1,480	978	804
Repurchase of common stock	(7,595)	0	0
Net cash provided by financing activities	1,274,522	1,045,083	226,333
Net change in cash and cash equivalents	479,842	1,085,217	107,325
Cash and cash equivalents at beginning of the period	1,317,898	232,681	125,356
Cash and cash equivalents at end of the period	1,797,740	1,317,898	232,681
Supplemental cash flow information:
Dividends declared not paid on restricted stock units	400	238	149
Parent Company
Operating Activities
Net income	190,285	63,621	83,814
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed income of bank subsidiary	(68,351)	(15,168)	(85,750)
Equity in undistributed income of nonbank subsidiary	635	(506)	0
Gain on investments	(249)	(217)	0
Loss on other assets	0	0	16
Stock-based compensation expense	10,282	10,214	7,089
(Increase) decrease in other assets	(3,916)	(9,717)	1,056
Decrease in other liabilities	(10,836)	(13,363)	(9,711)
Net cash provided by (used in) operating activities	117,850	34,864	(3,486)
Investing Activities
Net cash paid in business combinations (See Note 2)	0	(35,505)	0
Proceeds from sale of equity securities	1,422	0	0
Net cash (used in) provided by investing activities	1,422	(35,505)	0
Financing Activities
Accretion of interest rate premium on subordinated debt	(369)	(436)	0
Payment of dividends	(21,583)	(14,264)	(10,045)
Payments on subordinated debt	(60,000)	0	0
Payments on other borrowings	(15,000)	0	0
Proceeds from other borrowings	0	15,000	0
Net proceeds from sale of common stock under employee stock purchase program	1,480	978	804
Repurchase of common stock	(7,595)	0	0
Net cash provided by financing activities	(103,067)	1,278	(9,241)
Net change in cash and cash equivalents	16,205	637	(12,727)
Cash and cash equivalents at beginning of the period	5,310	4,673	17,400
Cash and cash equivalents at end of the period	21,515	5,310	4,673
Supplemental cash flow information:
Dividends declared not paid on restricted stock units	400	238	149
Noncash dividend from bank subsidiary	0	956	0
Noncash security distribution to bank subsidiary	$ 2,646	$ 0	$ 0

Segment reporting - Narrative (

Segment reporting - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)channelsegment	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Segment Reporting Information [Line Items]
Number of distinct reportable segments | segment	2
Number of distinct delivery channels | channel	2
Total net contribution reclassification to (from) segment realignment	$ 243,051	$ 82,461	$ 109,539
Other noninterest expense	359,678	364,226	235,326
Relief of goodwill	0	0	100
Banking
Segment Reporting Information [Line Items]
Total net contribution reclassification to (from) segment realignment	216,598	(20,497)	99,859
Other noninterest expense	220,283	212,890	144,734
Mortgage
Segment Reporting Information [Line Items]
Total net contribution reclassification to (from) segment realignment	26,453	102,958	9,680
Interest paid	23,910	14,810	11,183
Other noninterest expense	$ 139,395	151,336	90,592
Relief of goodwill			100
Mortgage | Atlantic Capital
Segment Reporting Information [Line Items]
Other noninterest expense			1,995
Segment Realignment, Reclassification Adjustment | Banking
Segment Reporting Information [Line Items]
Total net contribution reclassification to (from) segment realignment		(26,416)	(7,213)
Segment Realignment, Reclassification Adjustment | Mortgage
Segment Reporting Information [Line Items]
Total net contribution reclassification to (from) segment realignment		$ 26,416	$ 7,213

Segment reporting - Segment Fin

Segment reporting - Segment Financial Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Segment Reporting Information [Line Items]
Net interest income	$ 347,370	$ 265,658	$ 226,036
Provision for credit losses	(40,993)	107,967	7,053
Mortgage banking income	179,682	289,702	117,905
Change in fair value of mortgage servicing rights, net of hedging	(12,117)	(34,374)	(16,989)
Other noninterest income	60,690	46,527	34,481
Depreciation and amortization	8,416	7,536	5,176
Amortization of intangibles	5,473	5,323	4,339
Other noninterest expense	359,678	364,226	235,326
Income before income taxes	243,051	82,461	109,539
Income tax expense	52,750	18,832	25,725
Net income applicable to FB Financial Corporation and noncontrolling interest	190,301	63,629	83,814
Net income applicable to noncontrolling interest	16	8	0
Net income applicable to FB Financial Corporation	190,285	63,621	83,814
Assets	12,597,686	11,207,330	6,124,921
Goodwill	242,561	242,561	169,051
Provision (reversal) for credit losses on unfunded commitments	(1,998)	13,361	0
Merger costs	0	34,879	5,385
Franklin Financial Network, Inc.
Segment Reporting Information [Line Items]
Other noninterest income	11,172	3,228
Banking
Segment Reporting Information [Line Items]
Net interest income	347,342	265,581	226,098
Provision for credit losses	(40,993)	107,967	7,053
Mortgage banking income	0	0	0
Change in fair value of mortgage servicing rights, net of hedging	0	0	0
Other noninterest income	61,073	46,527	34,481
Depreciation and amortization	7,054	6,425	4,594
Amortization of intangibles	5,473	5,323	4,339
Other noninterest expense	220,283	212,890	144,734
Income before income taxes	216,598	(20,497)	99,859
Assets	11,540,560	10,254,324	5,700,558
Goodwill	242,561	242,561	169,051
Banking | Farmers National
Segment Reporting Information [Line Items]
Merger costs		33,824
Banking | Atlantic Capital
Segment Reporting Information [Line Items]
Merger costs			5,385
Mortgage
Segment Reporting Information [Line Items]
Net interest income	28	77	(62)
Provision for credit losses	0	0	0
Mortgage banking income	179,682	289,702	117,905
Change in fair value of mortgage servicing rights, net of hedging	(12,117)	(34,374)	(16,989)
Other noninterest income	(383)	0	0
Depreciation and amortization	1,362	1,111	582
Amortization of intangibles	0	0	0
Other noninterest expense	139,395	151,336	90,592
Income before income taxes	26,453	102,958	9,680
Assets	1,057,126	953,006	424,363
Goodwill	$ 0	0	0
Mortgage | Franklin Financial Network, Inc.
Segment Reporting Information [Line Items]
Merger costs		$ 1,055
Mortgage | Atlantic Capital
Segment Reporting Information [Line Items]
Other noninterest expense			$ 1,995

Minimum capital requirements (D

Minimum capital requirements (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
FB Financial Corporation
Total Capital (to risk-weighted assets)
Actual, Amount	$ 1,434,581	$ 1,358,897
Actual, Ratio	0.145	0.150
Minimum Capital adequacy with capital buffer, Amount	$ 1,039,984	$ 952,736
Minimum Capital adequacy with capital buffer, Ratio	0.105	0.105
Tier 1 Capital (to risk-weighted assets)
Actual, Amount	$ 1,251,874	$ 1,090,364
Actual, Ratio	0.126	0.120
Minimum Capital adequacy with capital buffer, Amount	$ 841,892	$ 771,262
Minimum Capital adequacy with capital buffer, Ratio	8.50%	8.50%
Tier 1 Capital (to average assets)
Actual, Amount	$ 1,251,874	$ 1,090,364
Actual, Ratio	0.105	0.100
Minimum Capital adequacy with capital buffer, Amount	$ 474,831	$ 435,064
Minimum Capital adequacy with capital buffer. Ratio	0.040	0.040
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, Amount	$ 1,221,874	$ 1,060,364
Actual Ratio	12.30%	11.70%
Minimum Capital adequacy with capital buffer, Amount	$ 693,322	$ 635,157
Minimum Capital adequacy with capital buffer, Ratio	0.070	0.070
FirstBank
Total Capital (to risk-weighted assets)
Actual, Amount	$ 1,396,407	$ 1,353,279
Actual, Ratio	0.141	0.149
Minimum Capital adequacy with capital buffer, Amount	$ 1,038,760	$ 951,327
Minimum Capital adequacy with capital buffer, Ratio	0.105	0.105
To be well capitalized under prompt corrective action provisions, Amount	$ 989,295	$ 906,026
To be well capitalized under prompt corrective action provisions, Ratio	0.100	0.100
Tier 1 Capital (to risk-weighted assets)
Actual, Amount	$ 1,213,700	$ 1,142,548
Actual, Ratio	0.123	0.126
Minimum Capital adequacy with capital buffer, Amount	$ 840,901	$ 770,122
Minimum Capital adequacy with capital buffer, Ratio	8.50%	8.50%
To be well capitalized under prompt corrective action provisions Amount	$ 791,436	$ 724,820
To be well capitalized under prompt corrective action provisions Ratio	0.080	0.080
Tier 1 Capital (to average assets)
Actual, Amount	$ 1,213,700	$ 1,142,548
Actual, Ratio	0.102	0.105
Minimum Capital adequacy with capital buffer, Amount	$ 474,044	$ 435,279
Minimum Capital adequacy with capital buffer. Ratio	0.040	0.040
To be well capitalized under prompt corrective action provisions, Amount	$ 592,555	$ 544,098
To be well capitalized under prompt corrective action provisions, Ratio	0.050	0.050
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, Amount	$ 1,213,700	$ 1,142,548
Actual Ratio	12.30%	12.60%
Minimum Capital adequacy with capital buffer, Amount	$ 692,507	$ 634,218
Minimum Capital adequacy with capital buffer, Ratio	0.070	0.070
To be well capitalized under prompt corrective action provisions, Amount	$ 643,042	$ 588,917
To be well capitalized under prompt corrective action provisions, Ratio	6.50%	6.50%

Employee benefit plans (Details

Employee benefit plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Discretionary contribution percentage	50.00%
Maximum percentage of amount to be contributed by the employer	6.00%
Matching and profit sharing vesting period	3 years
Contribution provided by the bank to the plan	$ 3,923	$ 3,198	$ 2,325
Post retirement benefits payable	2,487	1,112
Expense related to plans	94	29	1
Payments to participants	172	131	150
Cash surrender value of bank owned life insurance	73,519	71,977
Cash value income	$ 1,542	$ 1,556	$ 242

Stock-based compensation - Chan

Stock-based compensation - Changes in Restricted Stock Units (Details) - RSUs	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Restricted Stock Units Outstanding
Balance at beginning of period (in shares) | shares	1,047,071,000
Granted (in shares) | shares	194,388,000
Vested (in shares) | shares	(710,730,000)
Forfeited (in shares) | shares	(38,409,000)
Balance at end of period (in shares) | shares	492,320,000
Weighted Average Grant Date Fair Value
Balance at beginning of period (in dollars per share) | $ / shares	$ 26.06
Granted (in dollars per share) | $ / shares	43.05
Vested (in dollars per share) | $ / shares	22.99
Forfeited (in dollars per share) | $ / shares	28.96
Balance at end of period (in dollars per share) | $ / shares	$ 36.06

Stock-based compensation - Narr

Stock-based compensation - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost related to nonvested awards	$ 10,282	$ 10,214	$ 7,089
Dividends declared not paid on restricted stock units	400	238	149
Proceeds from employee payroll withholdings	1,190	919	764
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value of restricted stock units vested and released	16,340	5,619	9,923
Compensation cost related to nonvested awards	8,907	9,213	7,089
Unrecognized compensation cost related to nonvested awards	$ 11,652
Expected weighted-average period to be recognized	2 years 6 months
Dividends declared not paid on restricted stock units	$ 274	613
RSUs | Directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost related to nonvested awards	$ 635	898	$ 724
RSUs | 2016-LTIP Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuable (in shares)	1,812,577
PSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost related to nonvested awards	$ 1,375	$ 1,001
Unrecognized compensation cost related to nonvested awards	$ 6,914
Expected weighted-average period to be recognized	1 year 9 months 18 days
Criteria period		3 years
Core return threshold percentages	200.00%
Award vesting, percentage	85.00%	150.00%
PSUs | Executives and Other Officers and Employees
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Criteria period		3 years
Vesting period		3 years
PSUs | Executives and Other Officers and Employees | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Core return threshold percentages		0.00%
PSUs | Executives and Other Officers and Employees | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Core return threshold percentages		200.00%
Employee Stock | ESPP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuable (in shares)	200,000
Purchase price percentage of subsequent offering periods	95.00%
Maximum number of shares per participant (in shares)	725
Maximum worth of award per participant	$ 25
Shares issued under plan (in shares)	37,310,000	30,179,000	23,171,000
Number of shares reserved for issuance (in shares)	2,341,696	2,379,006

Stock-based compensation - Ch_2

Stock-based compensation - Changes in Performance Stock Units (Details) - PSUs	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Restricted Stock Units Outstanding
Balance at beginning of period (in shares) | shares	53,147
Granted (in shares) | shares	65,304
Vested (in shares) | shares	0
Forfeited or expired (in shares) | shares	(2,701)
Balance at end of period (in shares) | shares	115,750
Weighted Average Grant Date Fair Value
Balance at beginning of period (in dollars per share) | $ / shares	$ 36.21
Granted (in dollars per share) | $ / shares	43.20
Vested (in dollars per share) | $ / shares	0
Forfeited (in dollars per share) | $ / shares	37.11
Balance at end of period (in dollars per share) | $ / shares	$ 40.13

Related party transactions - Lo

Related party transactions - Loans Analysis to Executive Officers, Certain Management, Bank Directors and Their Affiliates (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Financing Receivable, Related Parties [Roll Forward]
Loans outstanding at January 1, 2021	$ 24,675
New loans and advances	11,791
Change in related party status	(122)
Repayments	(7,334)
Loans outstanding at December 31, 2021	$ 29,010

Related party transactions - Na

Related party transactions - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Related Party Transaction [Line Items]
Deposits from related parties	$ 312,956,000	$ 245,084,000
Aviation Time Sharing Agreements
Related Party Transaction [Line Items]
Payments to related party	32,000	161,000	$ 266,000
Certain Executive Officers, Certain Management and Directors and Their Associates | Unfunded Loan Commitment
Related Party Transaction [Line Items]
Unfunded commitments	10,994,000	23,059,000
Directors
Related Party Transaction [Line Items]
Unamortized leasehold improvements	6,000	53,000
Operating lease expense	497,000	510,000	509,000
Directors | Aviation Time Sharing Agreements | FBK Aviation, LLC
Related Party Transaction [Line Items]
Income from related party	21,000
Former Majority Shareholder | Registration Right Agreement
Related Party Transaction [Line Items]
Share registration expenses	$ 605,000	$ 0	$ 0