FIRST FINANCIAL BANKSHARES ANNOUNCES THIRD QUARTER 2026 EARNINGS
First Financial Bankshares reported record Q3 2026 net income of $74.31 million, up 42% from $52.27 million a year ago, with diluted EPS of $0.52 versus $0.36 in Q3 2025. The beat was driven by net interest margin expansion to 3.91% (tax-equivalent) from 3.80% a year ago and a sharply lower provision of $2.03 million versus $24.44 million last year, which had been inflated by a fraud-related charge-off. Loans grew $191.86 million (9.12% annualized) in the quarter and the company is opening its first full-service Austin-market branch in Bee Cave, extending its Texas expansion.
Key figures
- Eps
- 0.52
- Revenue
- 0
- Loans
- $8.54 billion
- Total assets
- $15.16 billion
- Allowance ratio
- 1.33% of loans
- Net charge offs
- $935 thousand
- Classified loans
- $294.49 million
- Efficiency ratio
- 45.59%
- Net income q3 2025
- $52.27 million
- Net income q3 2026
- $74.31 million
- Noninterest income
- $35.64 million
- Eps diluted q3 2025
- 0.36
- Net interest income
- $138.51 million
- Net interest margin
- 3.91% (tax-equivalent)
- Noninterest expense
- $81.05 million
- Shareholders equity
- $1.83 billion
- Return on avg assets
- 1.93%
- Aum wealth management
- $12.35 billion
- Provision credit losses
- $2.03 million
- Nonperforming assets pct
- 0.71%
- Eps diluted linked quarter
- 0.5
- Deposits and repurchase agreements
- $13.19 billion
- Unrealized loss securities net of tax
- $489.55 million
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.