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First Financial Bank
Abilene, TX · State-chartered bank (Fed member) · Part of First Financial Bankshares Inc
- Total assets
- $15.23B
- Q2 2026
- Deposits
- $13.3B
- Net income
- $135.2M
- first half of 2026
- Return on assets
- 1.77%
- Annualized
SEC company page: First Financial Bankshares Inc (FFIN) · financials and records from other agencies
Bank details
As reported to the FDIC
- FDIC certificate
- 3066
- Main office
- Abilene, TX
- Holding company
- First Financial Bankshares Inc
- Charter
- State-chartered bank (Fed member)
- Primary federal regulator
- Federal Reserve
- Established
- 01/01/1889
- FDIC insured since
- 01/01/1934
- U.S. offices
- 83
- Employees (full-time equivalent)
- 1,529
- Specialty
- Commercial Lending Specialization
- Website
- www.ffin.com/
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $15.23B | $15.32B | $15.38B | $14.78B | $14.32B | $14.26B | $13.93B | $13.53B |
| Deposits | $13.3B | $13.41B | $13.5B | $12.99B | $12.57B | $12.58B | $12.22B | $11.89B |
| Net loans and leases | $8.26B | $8.2B | $8.08B | $8.16B | $8.01B | $7.86B | $7.82B | $7.64B |
| Securities | $5.63B | $5.62B | $5.47B | $5.22B | $4.85B | $4.73B | $4.58B | $4.57B |
| Equity capital | $1.79B | $1.75B | $1.74B | $1.62B | $1.6B | $1.55B | $1.47B | $1.51B |
| Net income (year to date) | $135.2M | $67.78M | $238M | $169.4M | $120.6M | $57.72M | $207.2M | $148.8M |
| Return on assets | 1.77% | 1.77% | 1.64% | 1.58% | 1.70% | 1.64% | 1.55% | 1.50% |
| Return on equity | 15.35% | 15.53% | 14.90% | 14.46% | 15.64% | 15.28% | 14.83% | 14.39% |
| Net interest margin | 3.79% | 3.75% | 3.69% | 3.69% | 3.67% | 3.61% | 3.44% | 3.38% |
| Efficiency ratio | 44.8% | 44.4% | 45.7% | 44.5% | 44.8% | 45.5% | 46.9% | 47.1% |
| Noncurrent loans | 0.78% | 0.64% | 0.69% | 0.69% | 0.79% | 0.78% | 0.80% | 0.84% |
| Net charge-off rate | -0.01% | 0.02% | 0.29% | 0.39% | 0.02% | 0.01% | 0.05% | 0.03% |
| Leverage (core capital) ratio | 11.61% | 11.37% | 11.43% | 11.62% | 11.72% | 11.61% | 11.53% | 11.48% |
| Total risk-based capital ratio | 19.59% | 19.46% | 19.36% | 18.61% | 18.98% | 18.99% | 18.53% | 18.42% |
Assets grew 6.4% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$5.86B70.9%
- Commercial and industrial loans$1.05B12.7%
- Consumer loans$924.8M11.2%
Find bank branches in Texas · Employees: 1,529
Frequently asked questions
- What is First Financial Bank's FDIC certificate number?
- First Financial Bank's FDIC certificate number is 3066.
- How big is First Financial Bank?
- First Financial Bank reported total assets of $15.23B and deposits of $13.3B as of Q2 2026.
- Is First Financial Bank FDIC insured?
- Yes. First Financial Bank has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026