Abilene, TX · Cert 3066 · First Financial Bankshares Inc.
State charter, Fed member · FED · 83 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
80
Asset Quality
67
Profitability
75
Liquidity
0
Efficiency
83
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.
Abilene, TX · Cert 3066 · First Financial Bankshares Inc.
State charter, Fed member · FED · 83 branches
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 62.3% share · #1 of 18 inst. · $3.4B of $5.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.55% | 1.64% | 1.70% | 1.58% | 1.64% | 1.77% | 1.77% | +6 bps | |
| Return on Equity | 14.39% | 14.83% | 15.28% | 15.64% | 14.46% | 14.90% | 15.53% | 15.35% | -29 bps | |
| Net Interest Margin | 3.06% | 3.07% | 3.35% | 3.38% | 3.40% | 3.33% | 3.51% | 3.54% | +17 bps | |
| Efficiency Ratio | 47.15% | 46.87% | 45.52% | 44.83% | 44.51% | 45.67% | 44.42% | 44.83% | 0 bps | |
| Non-Interest Burden | 1.12% | 1.13% | 1.23% | 1.20% | 1.19% | 1.19% | 1.26% | 1.28% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 6.74% | 8.58% | 9.42% | 9.25% | 10.46% | 7.42% | 6.35% | -307 bps | |
| Loan Growth (YoY) | 10.51% | 10.59% | 9.86% | 7.54% | 6.80% | 3.37% | 4.37% | 3.24% | -431 bps | |
| Deposit Growth (YoY) | 9.49% | 8.25% | 9.99% | 9.03% | 9.27% | 10.46% | 6.61% | 5.78% | -325 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.79% | 0.77% | 0.78% | 0.68% | 0.68% | 0.63% | 0.77% | -1 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.01% | 0.02% | 0.38% | 0.29% | 0.02% | -0.01% | -3 bps | |
| Allowance / Loans | 1.29% | 1.24% | 1.27% | 1.27% | 1.28% | 1.29% | 1.30% | 1.34% | +8 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.6x | 1.6x | 1.9x | 1.9x | 2.1x | 1.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.53% | 11.61% | 11.72% | 11.62% | 11.43% | 11.37% | 11.61% | -11 bps | |
| Total Risk-Based Capital | 18.42% | 18.53% | 18.99% | 18.98% | 18.61% | 19.36% | 19.46% | 19.59% | +61 bps | |
| Equity / Assets | 11.19% | 10.54% | 10.90% | 11.19% | 10.96% | 11.32% | 11.43% | 11.77% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.14% | 64.82% | 63.29% | 64.49% | 63.66% | 60.66% | 61.96% | 62.94% | -155 bps | |
| Liquid Assets / Assets | 2.12% | 3.62% | 4.79% | 3.04% | 2.72% | 5.38% | 2.99% | 1.88% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.73% | 181.74% | 179.58% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 1.00% | 1.26% | 1.54% | Beats 85% | 22 / 144 | ||
| Return on Equity | 15.08% | 8.98% | 11.34% | 14.40% | Beats 77% | 33 / 144 | ||
| Net Interest Margin | 3.54% | 2.82% | 3.31% | 3.68% | Beats 64% | 52 / 144 | ||
| Efficiency Ratio | 44.86% | 49.42% | 56.02% | 62.41% | Beats 83% | 25 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.48% | 0.73% | 1.07% | Beats 48% | 75 / 142 | ||
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.11% | 0.22% | Beats 85% | 22 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.36% | 12.07% | 12.98% | 14.92% | Beats 90% | 14 / 144 | ||
| Total Risk-Based Capital Ratio | 19.59% | 13.39% | 14.14% | 16.25% | Beats 91% | 13 / 144 | ||
| Equity / Assets | 11.77% | 9.69% | 11.39% | 12.96% | Beats 60% | 57 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.94% | 75.72% | 84.92% | 91.56% | 10th pctl | 129 / 143 | ||
| Loans / Assets | 54.95% | 59.83% | 69.07% | 74.80% | 15th pctl | 123 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||