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
Unfavorable gap of $198.9M · efficiency ratio beats 83% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |