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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.70% | 1.64% | 1.76% | 1.34% | 1.82% | 1.77% | 1.77% | +1 bps | |
| Return on Equity | 14.13% | 15.68% | 15.28% | 15.92% | 12.11% | 16.33% | 15.53% | 15.22% | -70 bps | |
| Net Interest Margin | 3.17% | 3.35% | 3.35% | 3.45% | 3.51% | 3.50% | 3.51% | 3.57% | +12 bps | |
| Efficiency Ratio | 46.46% | 46.12% | 45.52% | 44.18% | 43.90% | 48.79% | 44.42% | 45.23% | +105 bps | |
| Non-Interest Burden | 1.13% | 1.23% | 1.23% | 1.19% | 1.19% | 1.30% | 1.26% | 1.29% | +11 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 | 0.04% | 0.10% | 0.01% | 0.04% | 1.08% | 0.02% | 0.02% | -0.03% | -6 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 | |