FIRST FINANCIAL BANKSHARES INC (FFIN) Form 10-Q — Nov 5, 2026
First Financial Bankshares (FFIN) reported Q3 2026 net earnings of $74.3 million, up 42.2% from $52.3 million a year ago, with diluted EPS of $0.52 versus $0.36 in Q3 2025. Return on average assets improved to 1.93% and net interest margin expanded 11 basis points to 3.91%. The beat was driven by strong deposit growth funding higher-yielding loans and securities, a 22 basis point decline in interest-bearing liability costs, and a much lower provision for credit losses ($2.4 million vs $25.5 million, which last year was inflated by a $21.6 million borrower-fraud loss). Nine-month net earnings rose 20.8% to $217.7 million.
Key figures
- Eps
- 0.52
- Net Income
- 74308000
- Cash Position
- 474472000
- Shares Outstanding
- 143160889
- Total loans
- $8.5 billion (+$380.5 million vs YE2025)
- Total deposits
- $13.1 billion
- Efficiency ratio q3
- 45.59%
- Q3 2025 net earnings
- $52.3 million
- Q3 2026 net earnings
- $74.3 million (+42.2% YoY)
- Net interest margin q3
- 3.91% (+11 bps YoY)
- Nine month diluted eps
- 1.51
- Nine month net earnings
- $217.7 million (+20.8% YoY)
- Q3 diluted eps prior year
- 0.36
- Allowance for credit losses
- $113.9 million (1.33% of loans)
- Return on average assets q3
- 1.93%
- Return on average equity q3
- 15.02%
- Share buyback authorization
- 7,200,000 shares through July 31, 2027
- Total risk based capital ratio
- 21.66%
AI analysis
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