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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

4.50%Q2 ’244.72%Q2 ’254.76%Q2 ’26+12%+4%

Non-interest income vs. expense

1.69%Q2 ’241.74%Q2 ’251.83%Q2 ’26+6%+9%

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 1 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.77% of loans (-1 bps YoY), with net recoveries of 0.03%.
  • 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 (quarter, annualized)

1.77%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+12 bps YoY

Efficiency Ratio (quarter, annualized)

45.23%+105 bps YoY

Tier 1 Leverage Ratio

11.61%-11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.34%1.82%1.77%1.77%+1 bps
Return on Equity15.92%12.11%16.33%15.53%15.22%-70 bps
Net Interest Margin3.45%3.51%3.50%3.51%3.57%+12 bps
Efficiency Ratio44.18%43.90%48.79%44.42%45.23%+105 bps
Non-Interest Burden1.19%1.19%1.30%1.26%1.29%+11 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 / Loans0.04%1.08%0.02%0.02%-0.03%-6 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