First Financial Bankshares Inc (FFIN)

FIRST FINANCIAL ANNOUNCES BOARD ELECTION AND INCREASED DIVIDEND AT ANNUAL MEETINGApril 28, 2026 12:32 PM
PR Newswire (US)

ABILENE, Texas, April 28, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (NASDAQ: FFIN) – In connection with the 2026 Annual Shareholders' Meeting, the Board of Directors of First Financial Bankshares, Inc. today declared a $0.22 per share cash dividend for the second quarter, which represents a 15.8 percent increase and will be paid to shareholders of record on June 12, 2026, with payment set for July 1, 2026.At the Annual Shareholders' Meeting, shareholders elected thirteen members to the Board of Directors. The elected directors are Vianei Lopez Braun, Attorney, Decker Jones, P.C., Fort Worth; David Copeland, President, SIPCO, Inc., and Shelton Family Foundation, Abilene; Sally Pope Davis, Retired Managing Director of Goldman Sachs, New York: Mike Denny, President of Batjer and Associates, Inc., Abilene; Scott Dueser, Executive Chairman of First Financial Bankshares, Abilene; Murray Edwards, Principal, The Edwards Group, Clyde; Goeff Haney, former CEO & partner of Cape & Son, Abilene; Eli Jones, Ph.D., Professor, Texas A&M University Mays School of Business, Montgomery; Tim Lancaster, former President and CEO of Hendrick Health System, Lubbock; Kade Matthews, ranching and investments, Clarendon; Robert Nickles, Jr., Executive Chairman of Alegacy Group, LLC, Houston; Blake Poutra, Managing Partner and Principal at Big Enrichment, Spring; and Lota Zoth, former Chief Financial Officer of MedImmune, Inc., Abilene.Johnny E. Trotter, President and CEO, Livestock Investors, Ltd., Hereford, who retired from the board of directors after 32 years of service, was recognized for his leadership on the board.In other business, shareholders ratified the Board's selection of Ernst & Young LLP as the Company's independent auditors and approved the advisory vote on compensation of named executive officers.At the shareholder luncheon, Tom Michaud, President and CEO of Keefe, Bruyette & Woods delivered a presentation where he discussed the regional banking sector and provided insights into the Company's strong performance. Also at the luncheon, Horst Schulze, founder of The Ritz-Carlton Hotel Company and Capella Hotels and Resorts, was recognized for his extraordinary efforts and seven-year partnership in helping to elevate the Bank's customer service first program."We are pleased to announce this increase in our quarterly cash dividend and appreciate our shareholders for electing the Board of Directors, ratifying the Company's auditors and passing the proposal on executive compensation," said David Bailey, President and CEO. "We appreciate so many of our shareholders that attended the annual meeting both in person and via the live webcast. Additionally, we were honored to have our close friends, Tom Michaud and Horst Schulze, in attendance to participate in the meeting and luncheon," added Mr. Bailey.About First Financial Bankshares, Inc.Headquartered in Abilene, Texas, First Financial Bankshares, Inc., is a financial holding company that, through its subsidiary, First Financial Bank, operates multiple banking regions with 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Kingwood, Lumberton, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Spring, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. First Financial Bankshares, Inc., also operates First Financial Trust & Asset Management Company, with nine locations, and First Technology Services, Inc., a technology operating company.First Financial Bankshares, Inc., is listed on The NASDAQ Global Select Market under the trading symbol FFIN. For more information about First Financial Bankshares, Inc., please visit our website at http://www.ffin.com.Certain statements contained herein may be considered "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of the management of First Financial Bankshares, Inc. (the "Company"), as well as assumptions made beyond information currently available to the Company's management, and may be, but not necessarily are, identified by such words as "expect", "plan", "anticipate", "target", "forecast" and "goal". Because such "forward-looking statements" are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company's expectations include competition from other financial institutions and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and integration of acquired businesses, and similar variables. Other key risks are described in the Company's reports filed with the Securities and Exchange Commission, which may be obtained under "Investor Relations-Documents/Filings" on the Company's website or by writing or calling the Company at 325.627.7155. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.



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Original: FIRST FINANCIAL ANNOUNCES BOARD ELECTION AND INCREASED DIVIDEND AT ANNUAL MEETING

FIRST FINANCIAL BANKSHARES TO LIVE STREAM ANNUAL MEETING ON TUESDAY, APRIL 28, 2026April 23, 2026 4:05 PM
PR Newswire (US)

ABILENE, Texas, April 23, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (NASDAQ: FFIN) will hold its 2026 Annual Shareholders' Meeting on April 28, 2026, at 10:30 a.m. Central time. The Company will be live streaming the meeting where F. Scott Dueser, Executive Chairman; David Bailey, President & CEO; Michelle Hickox, EVP and CFO; and Lon Biebighauser, President of First Financial Trust & Asset Management Company, will recap 2025 and 1st quarter 2026 operational and financial results and will discuss its strategic direction.We encourage our shareholders and interested individuals who are not able to attend the meeting to access a live stream of the meeting by visiting www.ffin.com/live-events (available at 10:00 am to view latest videos and commercials). A replay of the presentation will be available after the event.About First Financial Bankshares, Inc.
Headquartered in Abilene, Texas, First Financial Bankshares, Inc., is a financial holding company that, through its subsidiary, First Financial Bank, operates multiple banking regions with 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Kingwood, Lumberton, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Spring, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. First Financial Bankshares, Inc., also operates First Financial Trust & Asset Management Company, with nine locations, and First Technology Services, Inc., a technology operating company.First Financial Bankshares, Inc., is listed on The NASDAQ Global Select Market under the trading symbol FFIN. For more information about First Financial Bankshares, Inc., please visit our website at http://www.ffin.com.Certain statements contained herein may be considered "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of the management of First Financial Bankshares, Inc. (the "Company"), as well as assumptions made beyond information currently available to the Company's management, and may be, but not necessarily are, identified by such words as "expect", "plan", "anticipate", "target", "forecast" and "goal". Because such "forward-looking statements" are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company's expectations include competition from other financial institutions and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and integration of acquired businesses, and similar variables. Other key risks are described in the Company's reports filed with the Securities and Exchange Commission, which may be obtained under "Investor Relations-Documents/Filings" on the Company's website or by writing or calling the Company at 325.627.7155. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.



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Original: FIRST FINANCIAL BANKSHARES TO LIVE STREAM ANNUAL MEETING ON TUESDAY, APRIL 28, 2026

FIRST FINANCIAL BANKSHARES NAMED THE #5 TOP-PERFORMING PUBLIC BANK IN THE NATION BY S&P GLOBAL MARKET INTELLIGENCEApril 21, 2026 4:18 PM
PR Newswire (US)

ABILENE, Texas, April 21, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (NASDAQ: FFIN) the parent company of First Financial Bank, has been named the #5 top-performing public bank in the United States by S&P Global Market Intelligence in its 2025 financial performance ranking of major U.S. banks.The annual ranking evaluates the financial performance of publicly traded U.S. banks with more than $10 billion in total assets, based on a comprehensive scorecard that weighs growth, profitability, and safety and soundness."We are honored to be recognized by S&P Global Market Intelligence as one of the top-performing public banks in the nation," said David Bailey, President and CEO of First Financial Bankshares, Inc. "This recognition reflects the strength of our community banking model, our commitment to high-performance, and the dedication of our employees to providing excellent customer service."In this ranking, S&P Global Market Intelligence evaluated banks using seven key financial metrics across three major performance categories. Profitability accounted for 40% of the overall score, growth represented 30%, and safety and soundness made up the remaining 30%. Metrics included return on average assets, efficiency ratio, net interest margin, earnings growth, revenue growth, capital strength, and credit quality."We believe consistent performance, conservative credit standards, and a focus on relationship banking remain fundamental to creating long-term value for our shareholders," Bailey added. "Being ranked in the top five nationally reinforces our commitment to sound banking principles and always putting the needs of our communities first."About First Financial Bankshares, Inc.Headquartered in Abilene, Texas, First Financial Bankshares, Inc. is a financial holding company that through its subsidiary, First Financial Bank, operates multiple banking regions with 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Kingwood, Lumberton, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Spring, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. The Company also operates First Financial Trust & Asset Management Company, with nine locations and First Technology Services, Inc., a technology operating company.The Company is listed on The Nasdaq Global Select Market under the trading symbol FFIN. For more information about First Financial, please visit our website at https://www.ffin.com.



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Original: FIRST FINANCIAL BANKSHARES NAMED THE #5 TOP-PERFORMING PUBLIC BANK IN THE NATION BY S&P GLOBAL MARKET INTELLIGENCE

FIRST FINANCIAL BANK ANNOUNCES GREATER HOUSTON LEADERSHIP APPOINTMENTSApril 20, 2026 4:05 PM
PR Newswire (US)

ABILENE, Texas, April 20, 2026 /PRNewswire/ -- The Board of Directors of First Financial Bank, subsidiary of First Financial Bankshares, Inc., (NASDAQ: FFIN) has announced senior leadership changes for the Greater Houston Region of the Bank. Rodney Nabors has been elected as Regional CEO, Bart Griffith has been promoted to Conroe Market President, and Brian Bonner has been promoted to Executive Vice President, Senior Lender for Construction and Development."These leadership appointments demonstrate the Bank's ongoing commitment to enhancing our regional management team to capitalize on the significant opportunities present in this high-growth market in Texas," said David Bailey, President and CEO of First Financial Bank. "Rodney, Bart, and Brian have significant regional and community banking experience and maintain deep relationships within Greater Houston. We are confident they will continue to strengthen our presence and support our clients throughout the region."Rodney E. NaborsRodney Nabors is a senior banking executive with more than 37 years of experience leading commercial banking organizations through growth, transformation, and evolving market conditions. As CEO of the Greater Houston Region, he will oversee regional strategy, performance, and market expansion in one of Texas's most competitive banking environments.Most recently, Rodney served as President of Houston-based Agility Bank. During his career, he has also held senior executive and market leadership roles with both regional and community banks, managing complex loan portfolios, guiding regulatory relationships, and mentoring future leaders. Deeply committed to community engagement, Rodney serves in leadership roles with Houston-area nonprofit and civic organizations, including the board of the Houston West Chamber of Commerce and the West Houston Assistance Ministries. He holds a Bachelor's Degree in Business Management from LeTourneau University.Bart GriffithBart Griffith has over 35 years of banking experience, which will serve him well as he oversees strategy, performance, and management of the Montgomery and Walker County markets, a vibrant and growing division of the Bank's Greater Houston Region.Bart joined First Bank of Conroe in 2012, which would later become First Financial Bank, after holding several management positions at community banks in the Conroe area. Bart is a key member of the Greater Houston leadership team and will bring extensive market knowledge and strong client relationships to his new role. Additionally, Bart is active in the Conroe community and has served on The Woodlands Economic Development Partnership board, the IBAT Leadership Division board, and the Texas Bankers Association Agriculture and Rural Affairs Committee. He holds a Bachelor's Degree in Animal Science and Master's Degree in Agricultural Economics from Texas A&M University. He is also a graduate of the Texas Tech School of Banking and FFIN University.Brian BonnerBrian Bonner brings over 20 years of real estate lending experience into his new role of Senior Lender for Construction and Development. In this expanded leadership position, he will continue to support the expanding construction and real estate lending needs of the Greater Houston Region.Brian began his banking career in 2006 as a credit analyst at Sterling Bank. He later joined Commercial State Bank, acquired by First Financial Bank, in 2011 as Senior Vice President of Real Estate Lending. Since joining, Brian has played an integral role in the growth of the region's construction and development lending efforts. Brian is a member of the Greater Houston Builders Association and currently serves on several committees at Declaration Church in Spring, as well as the Guided Coalition Committee for Broadway Elementary in Conroe ISD. He has a Bachelor's Degree in Bank and Financial Institutions and Finance from Sam Houston State University, holds a Credit Risk Certification from the Risk Management Association, and is a graduate of FFIN University.About First Financial BankFirst Financial Bank is a wholly owned subsidiary of First Financial Bankshares, Inc. (NASDAQ: FFIN). Headquartered in Abilene, Texas, First Financial Bankshares is a financial holding company that through its subsidiary, First Financial Bank, operates multiple banking regions with 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Kingwood, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. The Company also operates First Financial Trust & Asset Management Company, with nine locations, and First Technology Services, Inc., a technology operating company.



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Original: FIRST FINANCIAL BANK ANNOUNCES GREATER HOUSTON LEADERSHIP APPOINTMENTS

FIRST FINANCIAL BANKSHARES ANNOUNCES FIRST QUARTER 2026 EARNINGSApril 16, 2026 4:05 PM
PR Newswire (US)

ABILENE, Texas, April 16, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (the "Company," "we," "us" or "our") (NASDAQ: FFIN) today reported earnings for the first quarter of 2026 of $71.54 million compared to earnings of $73.31 million for the fourth quarter of 2025 and $61.35 million for the same quarter a year ago. Basic and diluted earnings per share were $0.50 for the quarter ended March 31, 2026 compared to $0.51 for the quarter ended December 31, 2025 and $0.43 for the quarter ended March 31, 2025."We are pleased to start 2026 with a strong increase in net income of 16.6 percent year over year, primarily due to our core balance sheet growth and decreased funding costs over the past year," said David Bailey, President and CEO. "While the current macro environment is uncertain with the ongoing Iran conflict, our Company remains financially strong, sound and secure as reflected in our strong capital levels, diversified core deposit base, and sound lending practices.  We appreciate our associates who work hard every day to build new customer relationships while providing exceptional service," added Mr. Bailey.Net interest income for the first quarter of 2026 was $134.79 million compared to $131.37 million for the fourth quarter of 2025 and $118.79 million for the first quarter of 2025. The net interest margin, on a tax-equivalent basis, was 3.86 percent for the first quarter of 2026 compared to 3.81 percent for the fourth quarter of 2025 and 3.74 percent for the first quarter of 2025. Net interest income was affected by a $1.26 million reversal of interest expense, improving the core margin by about 3 basis points.  Average interest-earning assets were $14.54 billion for the first quarter of 2026 compared to $14.08 billion for the fourth quarter of 2025 and $13.16 billion for the same quarter a year ago.The Company recorded a provision for credit losses of $2.29 million for the first quarter of 2026 compared to a provision reversal of $2.49 million for the fourth quarter of 2025 and a provision for credit losses of $3.53 million for the first quarter of 2025.At March 31, 2026, the allowance for credit losses totaled $107.92 million, or 1.30 percent of loans held-for-investment ("loans" hereafter), compared to $105.54 million, or 1.29 percent of loans, at December 31, 2025 and $101.08 million, or 1.27 percent of loans, at March 31, 2025.Net charge-offs totaled $356 thousand for the first quarter of 2026 compared to net charge-offs of $391 thousand for the fourth quarter of 2025 and $236 thousand for the first quarter of 2025. Nonperforming assets as a percentage of loans and foreclosed assets decreased to 0.66 percent at March 31, 2026, compared with 0.69 percent at December 31, 2025 and 0.78 percent at March 31, 2025.Noninterest income for the first quarter of 2026 was $32.10 million compared to $30.23 million for the first quarter of 2025.Trust fees increased to $13.36 million for the first quarter of 2026 compared to $12.65 million for the first quarter of 2025, driven by the increase in market value of trust assets managed to $11.91 billion at March 31, 2026, compared to $10.86 billion at March 31, 2025.Service charges on deposits decreased to $6.08 million for the first quarter of 2026 compared with $6.18 million for the first quarter of 2025, driven by a decrease in overdraft fees.Mortgage income increased to $4.28 million for the first quarter of 2026 compared to $2.83 million for the first quarter of 2025, due to increased volume in mortgage loans originated and better margins.Noninterest expense for the first quarter of 2026 totaled $76.77 million compared to $70.34 million for the first quarter of 2025.Salary, commissions, and employee benefit costs increased to $45.98 million for the first quarter of 2026, compared to $42.14 million in the first quarter of 2025, primarily resulting from additions to staff and merit-based and market driven pay increases to officers and employees over the past year. Noninterest expenses, excluding salary related costs, increased $2.59 million for the first quarter of 2026 compared to the same period in 2025, largely due to increases in software amortization, professional fees and operational and other losses.The Company's efficiency ratio was 44.98 percent for the first quarter of 2026 compared to 46.36 percent for the first quarter of 2025. As of March 31, 2026, consolidated total assets were $15.39 billion compared to $15.45 billion at December 31, 2025, and $14.31 billion at March 31, 2025. Loans totaled $8.29 billion at March 31, 2026, compared with $8.16 billion at December 31, 2025 and $7.95 billion at March 31, 2025. Loans grew $126.84 million or 6.31 percent annualized from 2025 year end balances.  Deposits and Repurchase Agreements totaled $13.31 billion at March 31, 2026 compared to $13.41 billion at December 31, 2025 and $12.52 billion at March 31, 2025. Core deposits grew during the quarter but were offset by declines in public fund balances.Shareholders' equity was $1.94 billion as of March 31, 2026, compared to $1.92 billion and $1.68 billion at December 31, 2025 and March 31, 2025, respectively. The unrealized loss on the securities portfolio, net of applicable tax, totaled $290.06 million at March 31, 2026, compared to an unrealized loss of $269.94 million and $388.89 million at December 31, 2025 and March 31, 2025, respectively, due to the changes in market interest rates during the respective periods.About First Financial Bankshares, Inc.Headquartered in Abilene, Texas, First Financial Bankshares, Inc. is a financial holding company that through its subsidiary, First Financial Bank, operates multiple banking regions with 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Kingwood, Lumberton, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Spring, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park. The Company also operates First Financial Trust & Asset Management Company, with nine locations and First Technology Services, Inc., a technology operating company.The Company is listed on The Nasdaq Global Select Market under the trading symbol FFIN. For more information about First Financial, please visit our website at https://www.ffin.com.Certain statements contained herein may be considered "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of the Company's management, as well as assumptions made beyond information currently available to the Company's management, and may be, but not necessarily are, identified by such words as "expect," "plan," "anticipate," "target," "forecast," "project," and "goal." Because such "forward-looking statements" are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company's expectations include competition from other financial institutions and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; economic impact of oil and gas prices, changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and  acquisitions and integration of acquired businesses, and similar variables. Other key risks are described in the Company's reports filed with the Securities and Exchange Commission, which may be obtained under "Investor Relations-Documents and Filings" on the Company's Website or by writing or calling the Company at 325.627.7155. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.FIRST FINANCIAL BANKSHARES, INC.


CONSOLIDATED FINANCIAL SUMMARY  (UNAUDITED) 


(In thousands, except share and per share data)

























As of








2026

2025






ASSETS
 Mar. 31 

Dec. 31,

Sept. 30,

 June 30, 

 Mar. 31, 






Cash and due from banks$264,850
$249,466
$237,466
$264,000
$232,943






Interest-bearing demand deposits in banks
458,203

826,947

401,580

435,612

682,362






Federal funds sold
14,075

1,575

11,750

8,750

11,750






Investment securities
5,668,792

5,514,113

5,260,813

4,886,548

4,760,431






Loans, held-for-investment
8,285,120

8,158,276

8,243,625

8,074,944

7,945,611






Allowance for credit losses
(107,918)

(105,536)

(105,958)

(102,792)

(101,080)






Net loans, held-for-investment 
8,177,202

8,052,740

8,137,667

7,972,152

7,844,531






Loans, held-for-sale
22,984

29,992

26,015

33,233

14,348






Premises and equipment, net
150,989

149,985

149,651

148,999

150,589






Goodwill
313,481

313,481

313,481

313,481

313,481






Other intangible assets
128

171

257

343

428






Other assets
316,941

308,006

302,848

313,723

301,251






Total assets$15,387,645
$15,446,476
$14,841,528
$14,376,841
$14,312,114




























LIABILITIES AND SHAREHOLDERS'  EQUITY




















Noninterest-bearing deposits$3,385,878
$3,401,057
$3,446,262
$3,439,059
$3,356,553






Interest-bearing deposits
9,859,359

9,944,472

9,399,986

9,009,357

9,110,218






Total deposits
13,245,237

13,345,529

12,846,248

12,448,416

12,466,771






Repurchase agreements
67,946

62,956

50,646

48,026

56,606






Borrowings
22,306

21,680

21,956

22,153

26,978






Trade date payable
-

-

-

24,965

-






Other liabilities
108,305

98,994

92,410

95,929

81,498






Shareholders' equity
1,943,851

1,917,317

1,830,268

1,737,352

1,680,261






Total liabilities and shareholders' equity$15,387,645
$15,446,476
$14,841,528
$14,376,841
$14,312,114





























Quarter Ended








2026

2025






INCOME STATEMENTS
Mar. 31

Dec. 31,

Sept. 30,

 June 30, 

 Mar. 31, 






Interest income$182,945
$182,869
$179,692
$172,810
$167,110






Interest expense
48,154

51,501

52,691

49,080

48,321






Net interest income
134,791

131,368

127,001

123,730

118,789






Provision for credit losses
2,291

(2,486)

24,435

3,132

3,528






Net interest income after provision for credit losses
132,500

133,854

102,566

120,598

115,261






Noninterest income
32,096

33,349

34,264

32,873

30,230






Noninterest expense
76,768

77,650

73,666

71,735

70,335






Net income before income taxes
87,828

89,553

63,164

81,736

75,156






Income tax expense
16,285

16,239

10,897

15,078

13,810






Net income$71,543
$73,314
$52,267
$66,658
$61,346




























PER COMMON SHARE DATA 




















Net income - basic$0.50
$0.51
$0.37
$0.47
$0.43






Net income - diluted
0.50

0.51

0.36

0.47

0.43






Cash dividends declared
0.19

0.19

0.19

0.19

0.18






Book value
13.57

13.39

12.78

12.14

11.75






Tangible book value
11.38

11.20

10.59

9.95

9.55






Market value
29.45

29.87

33.65

35.98

35.92






Shares outstanding - end of period
143,279,030

143,213,102

143,188,051

143,077,619

143,019,433






Average outstanding shares - basic
143,210,755

143,180,215

143,105,224

143,023,544

142,949,514






Average outstanding shares - diluted
143,608,079

143,542,801

143,474,169

143,378,505

143,355,148




























PERFORMANCE RATIOS




















Return on average assets
1.89%
1.94%
1.44%
1.89%
1.78%




Return on average equity
14.83

15.62

11.85

15.82

15.12






Return on average tangible equity
17.66

18.78

14.44

19.43

18.68






Net interest margin (tax equivalent)
3.86

3.81

3.80

3.81

3.74






Efficiency ratio
44.98

46.10

44.74

44.97

46.36




























FIRST FINANCIAL BANKSHARES, INC.





SELECTED FINANCIAL DATA (UNAUDITED)





(In thousands)




























Quarter Ended








2026

2025






ALLOWANCE FOR LOAN LOSSES
 Mar. 31, 

Dec. 31,

Sept. 30,

June 30,

 Mar. 31, 






Balance at beginning of period$105,536
$105,958
$102,792
$101,080
$98,325






Loans charged-off
(1,174)

(3,387)

(22,612)

(1,189)

(946)






Loan recoveries
818

2,996

272

469

710






Net recoveries (charge-offs)
(356)

(391)

(22,340)

(720)

(236)






Provision for loan losses
2,738

(31)

25,506

2,432

2,991






Balance at end of period$107,918
$105,536
$105,958
$102,792
$101,080




























ALLOWANCE FOR UNFUNDED COMMITMENTS




















Balance at beginning of period$6,387
$8,842
$9,914
$9,214
$8,677






Provision for unfunded commitments
(447)

(2,455)

(1,072)

700

537






Balance at end of period$5,940
$6,387
$8,842
$9,914
$9,214




























Allowance for loan losses /




















period-end loans held-for-investment
1.30%
1.29%
1.29%
1.27%
1.27%





Allowance for loan losses /




















nonperforming loans
206.16

188.41

187.39

162.60

164.16






Net charge-offs (recoveries) / average total loans




















(annualized)
0.02

0.02

1.07

0.04

0.01





























As of 








2026

2025






COMPOSITION OF LOANS HELD-FOR-INVESTMENT
 Mar. 31, 

Dec. 31,

Sept. 30,

June 30,

 Mar. 31, 






Commercial:




















C&I$1,149,931
$1,116,461
$1,174,770
$1,202,151
$1,144,429






Municipal
384,473

342,501

347,559

306,140

338,303






Total Commercial
1,534,404

1,458,962

1,522,329

1,508,291

1,482,732






Agricultural
77,583

95,776

88,820

86,133

90,186






Real Estate:




















Construction & Development
1,169,037

1,157,865

1,214,649

1,172,834

1,098,069






Farm
329,151

327,625

322,710

302,969

331,464






Non-Owner Occupied CRE
825,771

832,816

802,675

746,341

753,898






Owner Occupied CRE
1,132,114

1,120,608

1,119,425

1,124,610

1,142,618






Residential
2,322,097

2,285,830

2,308,708

2,286,220

2,217,740






Total Real Estate
5,778,170

5,724,744

5,768,167

5,632,974

5,543,789






Consumer:




















Auto
751,283

732,351

718,501

698,897

679,189






Non-Auto
143,680

146,443

145,808

148,649

149,715






Total Consumer
894,963

878,794

864,309

847,546

828,904




























Total loans held-for-investment$8,285,120
$8,158,276
$8,243,625
$8,074,944
$7,945,611




























SUMMARY OF LOAN CLASSIFICATION




















Special Mention$66,864
$66,058
$76,647
$62,774
$46,103






Substandard
222,895

189,548

176,311

194,291

199,509






Total classified loans$289,759
$255,606
$252,958
$257,065
$245,612




























NONPERFORMING ASSETS




















Nonaccrual loans$52,129
$55,121
$56,394
$63,142
$60,430






Accruing loans 90 days past due
218

892

151

77

1,143






Total nonperforming loans
52,347

56,013

56,545

63,219

61,573






Foreclosed assets
1,962

479

1,997

489

115






Total nonperforming assets$54,309
$56,492
$58,542
$63,708
$61,688




























As a % of loans held-for-investment and foreclosed assets
0.66%
0.69%
0.71%
0.79%
0.78%





As a % of end of period total assets
0.35

0.37

0.39

0.44

0.43





























Quarter Ended








2026

2025






CAPITAL RATIOS
 Mar. 31, 

Dec. 31,

Sept. 30,

June 30,

 Mar. 31, 






Common equity Tier 1 capital ratio
20.23%
19.99%
19.10%
19.16%
19.12%




Tier 1 capital ratio
20.23

19.99

19.10

19.16

19.12






Total capital ratio
21.42

21.17

20.29

20.35

20.31






Tier 1 leverage ratio
12.58

12.55

12.34

12.61

12.46






Tangible common equity ratio
10.81

10.60

10.44

10.12

9.76






Equity/Assets ratio
12.63

12.41

12.33

12.08

11.74





























Quarter Ended








2026

2025






NONINTEREST INCOME
 Mar. 31, 

Dec. 31,

Sept. 30,

June 30,

 Mar. 31, 






Trust fees$13,363
$13,512
$12,950
$12,746
$12,653






Service charges on deposits
6,077

6,140

6,447

6,126

6,177






Debit card fees
5,245

5,791

5,333

5,218

4,967






Credit card fees
651

678

699

707

577






Gain on sale and fees on mortgage loans
4,277

4,216

4,375

4,126

2,832






Net gain (loss) on sale of foreclosed assets
(56)

(12)

(122)

200

(35)






Net gain on sale of assets
-

-

-

6

-






Loan recoveries
290

546

1,664

810

574






Other noninterest income
2,249

2,478

2,918

2,934

2,485






Total noninterest income$32,096
$33,349
$34,264
$32,873
$30,230




























NONINTEREST EXPENSE




















Salaries, commissions and employee benefits, excluding profit sharing$42,959
$42,409
$40,681
$39,834
$39,157






Profit sharing expense
3,023

4,819

1,924

2,741

2,985






Net occupancy expense
3,630

3,458

3,545

3,600

3,720






Equipment expense
2,158

2,128

2,395

2,478

2,321






FDIC insurance premiums
1,560

1,695

1,635

1,585

1,575






Debit card expense
3,108

3,265

3,512

3,308

3,373






Legal, tax and professional fees
3,834

3,079

3,332

3,143

3,067






Audit fees
455

531

536

463

451






Printing, stationery and supplies
623

528

456

473

482






Amortization of intangible assets
43

86

86

86

95






Advertising, meals and public relations
1,701

1,923

1,714

1,653

1,677






Operational and other losses
1,000

1,583

1,957

720

540






Software amortization and expense
4,594

4,456

4,280

4,020

3,732






Other noninterest expense
8,080

7,690

7,613

7,631

7,160






Total noninterest expense$76,768
$77,650
$73,666
$71,735
$70,335




























TAX EQUIVALENT YIELD ADJUSTMENT $3,791
$3,709
$3,406
$2,926
$2,700




























FIRST FINANCIAL BANKSHARES, INC.SELECTED FINANCIAL DATA (UNAUDITED)(In thousands)






















Three Months Ended


Three Months Ended
Mar. 31, 2026


Dec. 31, 2025

Average

Tax Equivalent

Yield /




Average

Tax Equivalent

Yield /


Balance

Interest

Rate




Balance

Interest

Rate
Interest-earning assets:




















Federal funds sold$4,565
$40

3.55%


$6,565
$62

3.75%Interest-bearing demand deposits in nonaffiliated banks
461,579

4,209

3.70




434,445

4,284

3.91
Taxable securities
4,076,690

32,283

3.17




3,683,108

29,231

3.17
Tax-exempt securities
1,726,765

14,184

3.29




1,712,261

14,144

3.30
Loans
8,273,995

136,020

6.67




8,241,265

138,857

6.68
Total interest-earning assets
14,543,594
$186,736

5.21%



14,077,644
$186,578

5.26%Noninterest-earning assets
821,635










893,739






Total assets$15,365,229









$14,971,383






Interest-bearing liabilities:




















Deposits$9,824,362
$47,851

1.98%


$9,476,716
$51,207

2.14%Repurchase Agreements
62,849

229

1.48




56,573

219

1.54
Borrowings
22,155

74

1.35




22,113

75

1.35
Total interest-bearing liabilities
9,909,366
$48,154

1.97%



9,555,402
$51,501

2.14%Noninterest-bearing deposits
3,401,092










3,454,171






Other noninterest-bearing liabilities97,986










99,623






Shareholders' equity
1,956,785










1,862,187






Total liabilities and shareholders' equity$15,365,229









$14,971,383




























Net interest income and margin (tax equivalent)


$138,582

3.86%





$135,077

3.81%






















Three Months Ended


Three Months Ended
Sept. 30, 2025


June 30, 2025

Average

Tax Equivalent

Yield /




Average

Tax Equivalent

Yield /


Balance

Interest

Rate




Balance

Interest

Rate
Interest-earning assets:




















Federal funds sold$10,711
$130

4.82%


$9,397
$113

4.84%Interest-bearing demand deposits in nonaffiliated banks
216,739

2,387

4.37




379,364

4,191

4.43
Taxable securities
3,560,347

26,539

2.98




3,470,028

25,242

2.91
Tax-exempt securities
1,564,767

12,906

3.30




1,433,498

10,811

3.02
Loans
8,249,113

141,136

6.79




8,045,340

135,378

6.75
Total interest-earning assets
13,601,677
$183,098

5.34%



13,337,627
$175,735

5.28%Noninterest-earning assets
826,660










826,635






Total assets$14,428,337









$14,164,262






Interest-bearing liabilities:




















Deposits$9,051,463
$52,010

2.28%


$8,923,737
$48,730

2.19%Repurchase Agreements
50,051

210

1.66




54,482

221

1.63
Borrowings
56,198

471

3.33




26,557

128

1.93
Total interest-bearing liabilities
9,157,712
$52,691

2.28%



9,004,776
$49,079

2.19%Noninterest-bearing deposits
3,419,378










3,383,851






Other noninterest-bearing liabilities101,268










85,745






Shareholders' equity
1,749,979










1,689,890






Total liabilities and shareholders' equity$14,428,337









$14,164,262




























Net interest income and margin (tax equivalent)


$130,407

3.80%





$126,656

3.81%






















Three Months Ended












Mar. 31, 2025














Average

Tax Equivalent

Yield /














Balance

Interest

Rate












Interest-earning assets:




















Federal funds sold$7,596
$90

4.81%











Interest-bearing demand deposits in nonaffiliated banks
286,040

3,174

4.50












Taxable securities
3,506,035

25,034

2.86












Tax-exempt securities
1,407,440

9,912

2.82












Loans
7,952,946

131,600

6.71












Total interest-earning assets
13,160,057
$169,810

5.23%











Noninterest-earning assets
830,055


















Total assets$13,990,112


















Interest-bearing liabilities:




















Deposits$8,882,040
$47,549

2.17%











Repurchase Agreements
53,920

209

1.57












Borrowings
74,561

563

3.06












Total interest-bearing liabilities
9,010,521
$48,321

2.17%











Noninterest-bearing deposits
3,265,838


















Other noninterest-bearing liabilities68,218


















Shareholders' equity
1,645,535


















Total liabilities and shareholders' equity$13,990,112








































Net interest income and margin (tax equivalent)


$121,489

3.74%











 



View original content:https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-first-quarter-2026-earnings-302745203.htmlSOURCE First Financial Bankshares, Inc.

Original: FIRST FINANCIAL BANKSHARES ANNOUNCES FIRST QUARTER 2026 EARNINGS

$FFIN recent news/filings

bullish 26.41

## source: finance.yahoo.com

$FFIN charts

basic chart ## source: stockcharts.com



basic chart ## source: stockscores.com



big daily chart ## source: stockcharts.com



big weekly chart ## source: stockcharts.com



$FFIN company information

## source: otcmarkets.com

Link: http://www.otcmarkets.com/stock/FFIN/company-info
Ticker: $FFIN
OTC Market Place: Not Available
CIK code: 0000036029
Company name: First Financial Bankshares, Inc.
Company website: http://www.ffin.com
Incorporated In: TX, USA

$FFIN share structure

## source: otcmarkets.com

Market Value: $1,836,801,006 a/o Mar 02, 2016
Shares Outstanding: 66,024,479 a/o Feb 19, 2016
Float: Not Available
Authorized Shares: Not Available
Par Value: 10

$FFIN extra dd links

Company name: First Financial Bankshares, Inc.
Company website: http://www.ffin.com

## STOCK DETAILS ##
After Hours Quote (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/after-hours
Option Chain (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/option-chain
Historical Prices (yahoo.com): http://finance.yahoo.com/q/hp?s=FFIN+Historical+Prices
Company Profile (yahoo.com): http://finance.yahoo.com/q/pr?s=FFIN+Profile
Industry (yahoo.com): http://finance.yahoo.com/q/in?s=FFIN+Industry

## COMPANY NEWS ##
Market Stream (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/stream
Latest news (otcmarkets.com): http://www.otcmarkets.com/stock/FFIN/news - http://finance.yahoo.com/q/h?s=FFIN+Headlines

## STOCK ANALYSIS ##
Analyst Research (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/analyst-research
Guru Analysis (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/guru-analysis
Stock Report (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/stock-report
Competitors (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/competitors
Stock Consultant (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/stock-consultant
Stock Comparison (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/stock-comparison
Investopedia (investopedia.com): http://www.investopedia.com/markets/stocks/FFIN/?wa=0
Research Reports (otcmarkets.com): http://www.otcmarkets.com/stock/FFIN/research
Basic Tech. Analysis (yahoo.com): http://finance.yahoo.com/q/ta?s=FFIN+Basic+Tech.+Analysis
Barchart (barchart.com): http://www.barchart.com/quotes/stocks/FFIN
DTCC (dtcc.com): http://search2.dtcc.com/?q=First+Financial+Bankshares%2C+Inc.&x=10&y=8&sp_p=all&sp_f=ISO-8859-1
Spoke company information (spoke.com): http://www.spoke.com/search?utf8=%E2%9C%93&q=First+Financial+Bankshares%2C+Inc.
Corporation WIKI (corporationwiki.com): http://www.corporationwiki.com/search/results?term=First+Financial+Bankshares%2C+Inc.&x=0&y=0
WHOIS (domaintools.com): http://whois.domaintools.com/http://www.ffin.com
Alexa (alexa.com): http://www.alexa.com/siteinfo/http://www.ffin.com#
Corporate website internet archive (archive.org): http://web.archive.org/web/*/http://www.ffin.com

## FUNDAMENTALS ##
Call Transcripts (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/call-transcripts
Annual Report (companyspotlight.com): http://www.companyspotlight.com/library/companies/keyword/FFIN
Income Statement (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/financials?query=income-statement
Revenue/EPS (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/revenue-eps
SEC Filings (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/sec-filings
Edgar filings (sec.gov): http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000036029&owner=exclude&count=40
Latest filings (otcmarkets.com): http://www.otcmarkets.com/stock/FFIN/filings
Latest financials (otcmarkets.com): http://www.otcmarkets.com/stock/FFIN/financials
Short Interest (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/short-interest
Dividend History (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/dividend-history
RegSho (regsho.com): http://www.regsho.com/tools/symbol_stats.php?sym=FFIN&search=search
OTC Short Report (otcshortreport.com): http://otcshortreport.com/index.php?index=FFIN
Short Sales (otcmarkets.com): http://www.otcmarkets.com/stock/FFIN/short-sales
Key Statistics (yahoo.com): http://finance.yahoo.com/q/ks?s=FFIN+Key+Statistics
Insider Roster (yahoo.com): http://finance.yahoo.com/q/ir?s=FFIN+Insider+Roster
Income Statement (yahoo.com): http://finance.yahoo.com/q/is?s=FFIN
Balance Sheet (yahoo.com): http://finance.yahoo.com/q/bs?s=FFIN
Cash Flow (yahoo.com): http://finance.yahoo.com/q/cf?s=FFIN+Cash+Flow&annual

## HOLDINGS ##
Major holdings (cnbc.com): http://data.cnbc.com/quotes/FFIN/tab/8.1
Insider transactions (yahoo.com): http://finance.yahoo.com/q/it?s=FFIN+Insider+Transactions
Insider transactions (secform4.com): http://www.secform4.com/insider-trading/FFIN.htm
Insider transactions (insidercrow.com): http://www.insidercow.com/history/company.jsp?company=FFIN
Ownership Summary (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/ownership-summary
Institutional Holdings (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/institutional-holdings
Insiders (SEC Form 4) (nasdaq.com): http://www.nasdaq.com/symbol/FFIN/insider-trades
Insider Disclosure (otcmarkets.com): http://www.otcmarkets.com/stock/FFIN/insider-transactions

## SOCIAL MEDIA AND OTHER VARIOUS SOURCES ##
PST (pennystocktweets.com): http://www.pennystocktweets.com/stocks/profile/FFIN
Market Watch (marketwatch.com): http://www.marketwatch.com/investing/stock/FFIN
Bloomberg (bloomberg.com): http://www.bloomberg.com/quote/FFIN:US
Morningstar (morningstar.com): http://quotes.morningstar.com/stock/s?t=FFIN
Bussinessweek (businessweek.com): http://investing.businessweek.com/research/stocks/snapshot/snapshot_article.asp?ticker=FFIN



$FFIN DD Notes ~ http://www.ddnotesmaker.com/FFIN

~ Wednesday! $FFIN ~ Q1 Earnings posted, pending or coming soon! In Charts and Links Below!

~ $FFIN ~ Earnings expected on Wednesday *
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








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*If the earnings date is in error please ignore error. I do my best.

First Financial Bankshares, Inc. is a financial holding company. Through the Company’s subsidiary banks, it conducts a full-service commercial banking business. Its service centers are located in Central, North Central and West Texas. As of December 31, 2011, it had 52 financial centers across Texas, with 10 locations in Abilene, two locations in Cleburne, two locations in Stephenville, three locations in Granbury, two locations in San Angelo, three locations in Weatherford, and one location each in Mineral Wells, Hereford, Sweetwater, Eastland, Ranger, Rising Star, Cisco, Southlake, Aledo, Willow Park, Brock, Alvarado, Burleson, Crowley, Keller, Trophy Club, Boyd, Bridgeport, Decatur, Roby, Trent, Merkel, Clyde, Moran, Albany, Midlothian and Glen Rose. During the year ended December 31, 2011, the Company merged First Financial Bankshares of Delaware, Inc. and First Financial Investments of Delaware, Inc. into First Financial Bankshares, Inc.

http://www.google.com/finance?q=FFIN