| Schedule of Actual and Required Capital Amounts and Ratios |
Actual and required capital amounts and ratios are included below for the periods presented.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital adequacy with capital buffer | | To be well capitalized under prompt corrective action provisions | | | | 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 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum Capital adequacy with capital buffer | | To be well capitalized under prompt corrective action provisions | | | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | December 31, 2019 | | | | | | | | | | | | | | Total Capital (to risk-weighted assets) | | | | | | | | | | | | | | FB Financial Corporation | | $ | 633,549 | | | 12.2 | % | | $ | 545,268 | | | 10.5 | % | | N/A | | N/A | | FirstBank | | 623,432 | | | 12.1 | % | | 540,995 | | | 10.5 | % | | $ | 515,233 | | | 10.0 | % | | Tier 1 Capital (to risk-weighted assets) | | | | | | | | | | | | | | FB Financial Corporation | | $ | 602,410 | | | 11.6 | % | | $ | 441,421 | | | 8.50 | % | | N/A | | N/A | | FirstBank | | 592,293 | | | 11.5 | % | | 437,782 | | | 8.50 | % | | $ | 412,030 | | | 8.0 | % | | Tier 1 Capital (to average assets) | | | | | | | | | | | | | | FB Financial Corporation | | $ | 602,410 | | | 10.1 | % | | $ | 238,578 | | | 4.00 | % | | N/A | | N/A | | FirstBank | | 592,293 | | | 9.9 | % | | 239,310 | | | 4.00 | % | | $ | 299,138 | | | 5.0 | % | Common Equity Tier 1 Capital (to risk-weighted assets) | | | | | | | | | | | | | | FB Financial Corporation | | $ | 572,410 | | | 11.1 | % | | $ | 360,979 | | | 7.0 | % | | N/A | | N/A | | FirstBank | | 592,293 | | | 11.5 | % | | 360,526 | | | 7.0 | % | | $ | 334,774 | | | 6.5 | % |
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