{ "schemaVersion": 1, "organisationId": "O-f71dff5be4d54a3ba91c10faaf9645db", "slug": "first-financial-bankshares-inc", "name": "FIRST FINANCIAL BANKSHARES INC", "updatedAt": "2026-10-02T13:22:22.551238Z", "sections": [ { "type": "OVERVIEW", "text": "First Financial Bankshares, Inc. is a Texas-based financial holding company whose core business is commercial banking through First Financial Bank, serving consumer and commercial customers with deposit, lending, and digital banking services. Its related businesses include trust and wealth-management services. The company’s footprint is concentrated in Texas: at year-end 2025, its bank operated 79 locations across eight regions, with no international footprint indicated in the cited company materials. [P45699824][P7354531][P76168928] The company describes its mission as building lifelong customer relationships through personal attention and first-class service, while supporting the growth of its customers, company, and communities. [https://ffin.com/about-us/our-company/about-first-financial-bankshares-inc]\n\nAs a general measure of scale, First Financial Bankshares reported approximately $15.45 billion in assets at December 31, 2025. Net interest income plus noninterest income amounted to approximately $631.6 million for full-year 2025; this is a calculated operating-revenue measure, before credit-loss provision. [T11122158][T1404443]\n[P45699824][P7354531][P76168928][https://ffin.com/about-us/our-company/about-first-financial-bankshares-inc][T11122158][T1404443][T1404443][https://ffin.com/about-us/our-company/about-first-financial-bankshares-inc]", "updatedAt": "2026-10-02T13:22:22.551238Z" }, { "type": "PRODUCTS", "text": "First Financial Bankshares offers personal checking and savings accounts, including children’s savings accounts and health savings accounts, as well as personal loans and lines of credit. Its personal banking products also include access to auto loans, home loans and credit cards. [https://ffin.com/personal] [https://ffin.com/personal/banking/savings/personal-savings] [https://ffin.com/personal/borrowing/personal-loans-lines-of-credit]\n\nBusiness banking offerings include deposit accounts and financing for working capital, agriculture, equipment, floor plans, commercial real estate, construction, oil and gas, and SBA lending. Treasury-management services support liquidity, fraud monitoring, receivables and payables; tools include ACH origination, remote and mobile deposit capture, merchant services and lockbox. Online and mobile banking capabilities include bill payment, alerts, Zelle, mobile check deposit and biometric login. [https://ffin.com/business-banking/] [https://ffin.com/business-banking/borrowing/business-loans] [https://ffin.com/business-banking/solutions/treasury-management] [https://ffin.com/business-banking/solutions/treasury-management/receivables-management] [https://ffin.com/personal/banking/online-mobile-banking]\n\nWealth and trust services include investment management, estate and trust administration, mineral and oil-and-gas interests, farm-and-ranch and property management, and retirement and employee-benefit accounts such as 401(k)s and IRAs. The wealth business was renamed First Financial Wealth Management in 2026. [P76168928] [https://ffin.com/wealth-management/services] [https://investorrelations.ffin.com/news-and-events/news/news-details/2026/FIRST-FINANCIAL-BANKSHARES-RENAMES-WEALTH-COMPANY-TO-FIRST-FINANCIAL-WEALTH-MANAGEMENT/default.aspx]\n\nFor the six months ended June 30, 2026, loan interest and fees were $273.2 million. Noninterest income was $67.9 million, including $27.3 million in wealth-management fees, $12.3 million in deposit-account service charges, $10.8 million in debit-card fees, $1.4 million in credit-card fees and $9.0 million in mortgage-loan sale gains and fees. The company does not break loan income out by individual loan product in this disclosure. [T16714316]\n[P76168928][T16714316][https://ffin.com/personal][https://ffin.com/personal/banking/savings/personal-savings][https://ffin.com/personal/borrowing/personal-loans-lines-of-credit][https://ffin.com/business-banking/][https://ffin.com/business-banking/borrowing/business-loans][https://ffin.com/business-banking/solutions/treasury-management][https://ffin.com/business-banking/solutions/treasury-management/receivables-management][https://ffin.com/personal/banking/online-mobile-banking][https://ffin.com/wealth-management/services][https://investorrelations.ffin.com/news-and-events/news/news-details/2026/FIRST-FINANCIAL-BANKSHARES-RENAMES-WEALTH-COMPANY-TO-FIRST-FINANCIAL-WEALTH-MANAGEMENT/default.aspx]", "updatedAt": "2026-10-02T13:22:22.551238Z" }, { "type": "GEOGRAPHY", "text": "First Financial Bankshares operates in Texas, with its banking regions concentrated in Central, North Central, Southeast and West Texas. Its bank identifies eight regions: Abilene, Bryan/College Station, Chisholm Trail, Cross Timbers, Greater Houston, Southeast Texas, Southlake and West Texas. The company says most of its customers and revenue come from these Texas markets; it does not disclose revenue by geographic region or country. [P2905372][P6131264][https://ffin.com/about-us/our-company/bank-regions]\n\nThe bank’s 2026 CRA assessment areas include counties around Abilene, Beaumont–Port Arthur, College Station–Bryan, Dallas–Fort Worth–Arlington, Houston–Pasadena–The Woodlands, Odessa and San Angelo, as well as additional nonmetropolitan counties including Eastland, Erath, Hood, Matagorda, Newton, Nolan, Palo Pinto, Walker and Wharton. These are assessment areas, not a complete list of branch locations. [https://ffin.com/getContentAsset/ca99ed39-7a34-4db3-9e9e-6a1b56170084/79aed02a-f53a-4b45-a005-7f7876d29103/2025-Assessment-Area.pdf?language=en]\n\nA January 2026 company release reported 79 Texas bank locations, spanning communities such as Abilene, Beaumont, Bryan, College Station, Fort Worth, Houston-area suburbs, Odessa, San Angelo and Wichita Falls-area communities; it also reported nine First Financial Trust and Asset Management locations. The company’s principal office is in Abilene. In September 2026, it announced a planned full-service branch in Bee Cave, near Austin, which it described as its 81st location; the branch was expected to open in late October. [P77947749][P31474186][https://investorrelations.ffin.com/news-events/news/news-details/2026/FIRST-FINANCIAL-BANK-TO-OPEN-FIRST-FULL-SERVICE-BRANCH-IN-AUSTIN-AREA-WITH-NEW-BEE-CAVE-BRANCH/default.aspx]\n[P2905372][P6131264][https://ffin.com/about-us/our-company/bank-regions][https://ffin.com/getContentAsset/ca99ed39-7a34-4db3-9e9e-6a1b56170084/79aed02a-f53a-4b45-a005-7f7876d29103/2025-Assessment-Area.pdf?language=en][P77947749][P31474186][https://investorrelations.ffin.com/news-events/news/news-details/2026/FIRST-FINANCIAL-BANK-TO-OPEN-FIRST-FULL-SERVICE-BRANCH-IN-AUSTIN-AREA-WITH-NEW-BEE-CAVE-BRANCH/default.aspx][https://ffin.com/about-us/our-company/bank-regions][https://ffin.com/getContentAsset/ca99ed39-7a34-4db3-9e9e-6a1b56170084/79aed02a-f53a-4b45-a005-7f7876d29103/2025-Assessment-Area.pdf?language=en][https://investorrelations.ffin.com/news-events/news/news-details/2026/FIRST-FINANCIAL-BANK-TO-OPEN-FIRST-FULL-SERVICE-BRANCH-IN-AUSTIN-AREA-WITH-NEW-BEE-CAVE-BRANCH/default.aspx]", "updatedAt": "2026-10-02T13:22:22.551238Z" }, { "type": "SEGMENTS", "text": "First Financial Bankshares reports one operating and reportable segment, “community banking,” serving consumer and commercial customers in Texas. Its banking regions are aggregated because they offer similar products and services, operate in similar ways, serve similar customers, and are subject to the same regulator; the CEO assesses the segment using net income on the same basis as consolidated net income. [P146036567][P82679173][P22547888]\n\nThe company’s banking activities include lending and providing banking services to consumer and commercial customers. It also describes trust and wealth-management services, including personal wealth management, estate administration, oil-and-gas, farm-and-ranch, and retirement-account services, but does not report these as separate segments. [P45699824][P76168928] The single reported segment constitutes 100% of the company’s reportable segment scope; the filings do not disclose separate contribution percentages for these underlying activities.\n[P146036567][P82679173][P22547888][P45699824][P76168928]", "updatedAt": "2026-10-02T13:22:22.551238Z" }, { "type": "HISTORY", "text": "The company’s banking roots trace to a bank chartered in Abilene in January 1889 that began business in 1890 as Farmers and Merchants National Bank. The holding company was formed in 1956 as F & M Operating Company; in 1957, the bank became First National Bank of Abilene. Shareholders established First Abilene Bankshares, Inc. as a multibank holding company in 1973. [P25742058][https://ffin.com/about-us/why-first-financial/our-history] The company adopted the name First Financial Bankshares, Inc. and listed on Nasdaq in October 1993; its operating bank changed its name to First Financial Bank in 2005. [https://ffin.com/about-us/why-first-financial/our-history][https://www.dob.texas.gov/sites/default/files/files/news/press-releases/2024/04-23-24pr.pdf]\n\nFrom 1997, the company pursued expansion through bank acquisitions, reporting 14 completed acquisitions by 2020. Notable additions included City Bancshares in 2001, First State Bank of Huntsville in 2010, Orange Savings Bank in 2013, First Bank, N.A., in 2015, and Commercial Bancshares in 2018. [P176129788][https://investorrelations.ffin.com/news-and-events/news/news-details/2001/First-Financial-Bankshares-Announces-Acquisition/][https://investorrelations.ffin.com/news-and-events/news/news-details/2010/First-Financial-Bankshares-Completes-Acquisition-of-The-First-State-Bank-in-Huntsville-Texas/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2013/First-Financial-Bankshares-Completes-Acquisition-Of-Orange-Savings-Bank-SSB/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2015/First-Financial-Bankshares-Completes-Acquisition-Of-First-Bank-NA/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2018/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-Commercial-Bancshares-Inc-Kingwood-Texas/default.aspx] It expanded into Bryan–College Station through its 2020 acquisition of TB&T Bancshares. [https://investorrelations.ffin.com/news-and-events/news/news-details/2020/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-TBT-Bancshares-Inc-Bryan-Texas/default.aspx] In April 2024, First Financial Bank converted from a national to a Texas state charter. [P41241339][https://www.dob.texas.gov/sites/default/files/files/news/press-releases/2024/04-23-24pr.pdf]\n[P25742058][P176129788][P41241339][https://ffin.com/about-us/why-first-financial/our-history][https://www.dob.texas.gov/sites/default/files/files/news/press-releases/2024/04-23-24pr.pdf][https://investorrelations.ffin.com/news-and-events/news/news-details/2001/First-Financial-Bankshares-Announces-Acquisition/][https://investorrelations.ffin.com/news-and-events/news/news-details/2010/First-Financial-Bankshares-Completes-Acquisition-of-The-First-State-Bank-in-Huntsville-Texas/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2013/First-Financial-Bankshares-Completes-Acquisition-Of-Orange-Savings-Bank-SSB/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2015/First-Financial-Bankshares-Completes-Acquisition-Of-First-Bank-NA/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2018/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-Commercial-Bancshares-Inc-Kingwood-Texas/default.aspx][https://investorrelations.ffin.com/news-and-events/news/news-details/2020/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-TBT-Bancshares-Inc-Bryan-Texas/default.aspx]", "updatedAt": "2026-10-02T13:22:22.551238Z" } ], "sources": [ { "id": "P45699824", "href": "https://app.finbar.com/go?id=P45699824", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "P7354531", "href": "https://app.finbar.com/go?id=P7354531", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "P76168928", "href": "https://app.finbar.com/go?id=P76168928", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "https://ffin.com/about-us/our-company/about-first-financial-bankshares-inc", "href": "https://ffin.com/about-us/our-company/about-first-financial-bankshares-inc", "label": "ffin.com" }, { "id": "T11122158", "href": "https://app.finbar.com/go?id=T11122158", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "T1404443", "href": "https://app.finbar.com/go?id=T1404443", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "https://ffin.com/personal", "href": "https://ffin.com/personal", "label": "ffin.com" }, { "id": "https://ffin.com/personal/banking/savings/personal-savings", "href": "https://ffin.com/personal/banking/savings/personal-savings", "label": "ffin.com" }, { "id": "https://ffin.com/personal/borrowing/personal-loans-lines-of-credit", "href": "https://ffin.com/personal/borrowing/personal-loans-lines-of-credit", "label": "ffin.com" }, { "id": "https://ffin.com/business-banking/", "href": "https://ffin.com/business-banking/", "label": "ffin.com" }, { "id": "https://ffin.com/business-banking/borrowing/business-loans", "href": "https://ffin.com/business-banking/borrowing/business-loans", "label": "ffin.com" }, { "id": "https://ffin.com/business-banking/solutions/treasury-management", "href": "https://ffin.com/business-banking/solutions/treasury-management", "label": "ffin.com" }, { "id": "https://ffin.com/business-banking/solutions/treasury-management/receivables-management", "href": "https://ffin.com/business-banking/solutions/treasury-management/receivables-management", "label": "ffin.com" }, { "id": "https://ffin.com/personal/banking/online-mobile-banking", "href": "https://ffin.com/personal/banking/online-mobile-banking", "label": "ffin.com" }, { "id": "https://ffin.com/wealth-management/services", "href": "https://ffin.com/wealth-management/services", "label": "ffin.com" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2026/FIRST-FINANCIAL-BANKSHARES-RENAMES-WEALTH-COMPANY-TO-FIRST-FINANCIAL-WEALTH-MANAGEMENT/default.aspx", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2026/FIRST-FINANCIAL-BANKSHARES-RENAMES-WEALTH-COMPANY-TO-FIRST-FINANCIAL-WEALTH-MANAGEMENT/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "T16714316", "href": "https://app.finbar.com/go?id=T16714316", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2026 Q 2)", "documentId": "D-cb33f7a270fc4da3b6f5942c0d95e1ee" }, { "id": "P2905372", "href": "https://app.finbar.com/go?id=P2905372", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "P6131264", "href": "https://app.finbar.com/go?id=P6131264", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "https://ffin.com/about-us/our-company/bank-regions", "href": "https://ffin.com/about-us/our-company/bank-regions", "label": "ffin.com" }, { "id": "https://ffin.com/getContentAsset/ca99ed39-7a34-4db3-9e9e-6a1b56170084/79aed02a-f53a-4b45-a005-7f7876d29103/2025-Assessment-Area.pdf?language=en", "href": "https://ffin.com/getContentAsset/ca99ed39-7a34-4db3-9e9e-6a1b56170084/79aed02a-f53a-4b45-a005-7f7876d29103/2025-Assessment-Area.pdf?language=en", "label": "ffin.com" }, { "id": "P77947749", "href": "https://app.finbar.com/go?id=P77947749", "label": "FIRST FINANCIAL BANKSHARES INC — Press release (2025 Y)", "documentId": "D-7fa0991dd71347beacc2372824bd62e7" }, { "id": "P31474186", "href": "https://app.finbar.com/go?id=P31474186", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "https://investorrelations.ffin.com/news-events/news/news-details/2026/FIRST-FINANCIAL-BANK-TO-OPEN-FIRST-FULL-SERVICE-BRANCH-IN-AUSTIN-AREA-WITH-NEW-BEE-CAVE-BRANCH/default.aspx", "href": "https://investorrelations.ffin.com/news-events/news/news-details/2026/FIRST-FINANCIAL-BANK-TO-OPEN-FIRST-FULL-SERVICE-BRANCH-IN-AUSTIN-AREA-WITH-NEW-BEE-CAVE-BRANCH/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "P146036567", "href": "https://app.finbar.com/go?id=P146036567", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2026 Q 2)", "documentId": "D-cb33f7a270fc4da3b6f5942c0d95e1ee" }, { "id": "P82679173", "href": "https://app.finbar.com/go?id=P82679173", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "P22547888", "href": "https://app.finbar.com/go?id=P22547888", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "P25742058", "href": "https://app.finbar.com/go?id=P25742058", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2025 Y)", "documentId": "D-ded91eb0440d4cdc9ebb0a15e534b655" }, { "id": "https://ffin.com/about-us/why-first-financial/our-history", "href": "https://ffin.com/about-us/why-first-financial/our-history", "label": "ffin.com" }, { "id": "https://www.dob.texas.gov/sites/default/files/files/news/press-releases/2024/04-23-24pr.pdf", "href": "https://www.dob.texas.gov/sites/default/files/files/news/press-releases/2024/04-23-24pr.pdf", "label": "www.dob.texas.gov" }, { "id": "P176129788", "href": "https://app.finbar.com/go?id=P176129788", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2020 Y)", "documentId": "D-8fa23b4c2d6a4cc99303a992c63a0ebb" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2001/First-Financial-Bankshares-Announces-Acquisition/", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2001/First-Financial-Bankshares-Announces-Acquisition/", "label": "investorrelations.ffin.com" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2010/First-Financial-Bankshares-Completes-Acquisition-of-The-First-State-Bank-in-Huntsville-Texas/default.aspx", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2010/First-Financial-Bankshares-Completes-Acquisition-of-The-First-State-Bank-in-Huntsville-Texas/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2013/First-Financial-Bankshares-Completes-Acquisition-Of-Orange-Savings-Bank-SSB/default.aspx", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2013/First-Financial-Bankshares-Completes-Acquisition-Of-Orange-Savings-Bank-SSB/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2015/First-Financial-Bankshares-Completes-Acquisition-Of-First-Bank-NA/default.aspx", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2015/First-Financial-Bankshares-Completes-Acquisition-Of-First-Bank-NA/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2018/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-Commercial-Bancshares-Inc-Kingwood-Texas/default.aspx", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2018/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-Commercial-Bancshares-Inc-Kingwood-Texas/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "https://investorrelations.ffin.com/news-and-events/news/news-details/2020/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-TBT-Bancshares-Inc-Bryan-Texas/default.aspx", "href": "https://investorrelations.ffin.com/news-and-events/news/news-details/2020/First-Financial-Bankshares-Inc-Completes-Acquisition-Of-TBT-Bancshares-Inc-Bryan-Texas/default.aspx", "label": "investorrelations.ffin.com" }, { "id": "P41241339", "href": "https://app.finbar.com/go?id=P41241339", "label": "FIRST FINANCIAL BANKSHARES INC — Full financial report (2024 Y)", "documentId": "D-da9377a1884f42c2add5b415ca0e7f6b" } ] }