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First Financial Bank

Abilene, TX · Cert 3066 · First Financial Bankshares Inc.

State charter, Fed member · FED · 83 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Financial Bank

Abilene, TX · Cert 3066 · First Financial Bankshares Inc.

State charter, Fed member · FED · 83 branches

Q2 2026

$15.2BAssets
$8.4BLoans
$13.3BDeposits
$1.8BEquity
Loan mix
74%RE $5.8B14%C&I $1.1B11%Consumer $0.9BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $9.7B27%Noninterest $3.6BQ2 2025Q2 2026

NIM

4.44%Q2 ’244.65%Q2 ’254.73%Q2 ’26+11%+5%

Non-interest income vs. expense

1.68%Q2 ’241.72%Q2 ’251.79%Q2 ’26+7%+6%

Market Position · Abilene, TX · 2026 SOD (annual) · 62.3% share · #1 of 18 inst. · $3.4B of $5.5B

64.9% Taylor
32.9% Tom Green
5.3% Montgomery
23.1% Parker

Executive Summary

  • Earnings: ROA of 1.77%, up 6 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.77% of loans (-1 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.61%, down 11 bps from a year ago.
  • Funding: loans stand at 62.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.77%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+17 bps YoY

Efficiency Ratio (YTD, annualized)

44.83%0 bps YoY

Tier 1 Leverage Ratio

11.61%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.58%1.64%1.77%1.77%+6 bps
Return on Equity15.64%14.46%14.90%15.53%15.35%-29 bps
Net Interest Margin3.38%3.40%3.33%3.51%3.54%+17 bps
Efficiency Ratio44.83%44.51%45.67%44.42%44.83%0 bps
Non-Interest Burden1.20%1.19%1.19%1.26%1.28%+8 bps
Growth
Asset Growth (YoY)9.42%9.25%10.46%7.42%6.35%-307 bps
Loan Growth (YoY)7.54%6.80%3.37%4.37%3.24%-431 bps
Deposit Growth (YoY)9.03%9.27%10.46%6.61%5.78%-325 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.68%0.68%0.63%0.77%-1 bps
Net Charge-Offs / Loans0.02%0.38%0.29%0.02%-0.01%-3 bps
Allowance / Loans1.27%1.28%1.29%1.30%1.34%+8 bps
Allowance Coverage of NPLs1.6x1.9x1.9x2.1x1.7x+0.1x
Capital
Tier 1 Leverage Ratio11.72%11.62%11.43%11.37%11.61%-11 bps
Total Risk-Based Capital18.98%18.61%19.36%19.46%19.59%+61 bps
Equity / Assets11.19%10.96%11.32%11.43%11.77%+58 bps
Liquidity & Funding
Loans / Deposits64.49%63.66%60.66%61.96%62.94%-155 bps
Liquid Assets / Assets3.04%2.72%5.38%2.99%1.88%-116 bps
CRE / Total Capitaln/a186.73%181.74%179.58%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Financial Bank

Abilene, TX · Cert 3066 · Peer group: banks over $10B in assets (n=142-144) · First Financial Bankshares Inc.

State charter, Fed member · FED · 83 branches

Q2 2026

$15.2BAssets
$8.4BLoans
$13.3BDeposits
$1.8BEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 91% of banks over $10B in assets (rank 13 of 144).
  • Widest gap: nonperforming loans / loans trails 52% of banks over $10B in assets (rank 75 of 142).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.78%

Rank 22 of 144

Net Interest Margin

3.54%

Rank 52 of 144

Efficiency Ratio

44.86%

Rank 25 of 144

Equity / Assets

11.77%

Rank 57 of 144

Non-interest income vs. expense

$79.8M$278.8MINCOMEEXPENSE
Unfavorable gap of $198.9M · efficiency ratio beats 83% of banks over $10B in assets
Bank 44.86%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.78%1.00%1.26%1.54%Beats 85%22 / 144
Return on Equity15.08%8.98%11.34%14.40%Beats 77%33 / 144
Net Interest Margin3.54%2.82%3.31%3.68%Beats 64%52 / 144
Efficiency Ratio44.86%49.42%56.02%62.41%Beats 83%25 / 144
Asset Quality
Nonperforming Loans / Loans0.77%0.48%0.73%1.07%Beats 48%75 / 142
Net Charge-Offs / Loans0.03%0.05%0.11%0.22%Beats 85%22 / 142
Capital
Tier 1 Capital Ratio18.36%12.07%12.98%14.92%Beats 90%14 / 144
Total Risk-Based Capital Ratio19.59%13.39%14.14%16.25%Beats 91%13 / 144
Equity / Assets11.77%9.69%11.39%12.96%Beats 60%57 / 144
Liquidity & Funding
Loans / Deposits62.94%75.72%84.92%91.56%10th pctl129 / 143
Loans / Assets54.95%59.83%69.07%74.80%15th pctl123 / 144
Brokered Deposits / Depositsn/aNot reported for this institution