FIRST FINANCIAL BANKSHARES INC (FFIN) Form 8-K — Oct 16, 2026
First Financial Bankshares (NASDAQ: FFIN) reported record Q3 2026 net income of $74.31 million, or $0.52 diluted EPS, versus $52.27 million and $0.36 a year earlier. The beat was driven by net interest margin expansion to 3.91% and a sharp drop in credit costs, with the provision falling to $2.03 million from $24.44 million a year ago, when a large borrower-fraud charge-off hit results. The balance sheet is growing: loans rose $191.86 million in the quarter (9.12% annualized) to $8.54 billion, and deposits reached $13.19 billion, with noninterest-bearing deposits up 7.65% annualized. Capital remains exceptionally strong at a 20.45% Common Equity Tier 1 ratio.
Key figures
- Eps
- 0.52
- Net Income
- 74308000
- Total Debt
- 21854000
- Total Assets
- 15162867000
- Cash Position
- 178819000
- Shares Outstanding
- 143397258
- Total deposits
- 13148143000
- Net charge offs
- 935000
- Acl pct of loans
- 1.33%
- Classified loans
- 294485000
- Efficiency ratio
- 45.59%
- Noninterest income
- 35635000
- Net interest income
- 138507000
- Noninterest expense
- 81052000
- Shareholders equity
- 1832560000
- Return on avg assets
- 1.93%
- Return on avg equity
- 15.02%
- Aum wealth management
- 12350000000
- Net income prior year
- 52267000
- Diluted eps prior year
- 0.36
- Loans held for investment
- 8538788000
- Net income linked quarter
- 71894000
- Common equity tier 1 ratio
- 20.45%
- Diluted eps linked quarter
- 0.5
- Loan growth annualized qoq
- 9.12%
- Allowance for credit losses
- 113892000
- Provision for credit losses
- 2034000
- Net interest margin tax equivalent
- 3.91%
- Unrealized loss securities net of tax
- 489550000
AI analysis
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