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First Financial Bankshares
First Financial Bankshares (FFIN) investor relations material
First Financial Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved recognition as the #3 bank in the nation by Forbes for 2025, highlighting strong reputation and operational excellence.
Operates as a $15.4 billion financial holding company with a 135-year history and a unique regional structure across Texas.
Reported record quarterly net income of $73.31 million for Q4 2025, up from $52.27 million in Q3 2025 and $62.32 million in Q4 2024.
Full-year 2025 net income was $253.6 million, a 13.45% increase year-over-year.
Emphasizes a customer service culture, with initiatives like CS1st and partnerships to enhance service excellence.
Financial highlights
Total assets grew to $15.4 billion in 2025, up from $13.1 billion in 2021.
Deposits reached $13.3 billion in 2025, with a balanced mix of noninterest and interest-bearing accounts.
Loans increased to $8.2 billion in 2025, reflecting steady growth over the past five years.
Net interest income for Q4 2025 was $131.37 million, up from $127.00 million in Q3 2025 and $116.12 million in Q4 2024.
Trust assets managed reached $11.9 billion, with trust net income rising to $28.4 million in 2025.
Outlook and guidance
Forward-looking statements highlight risks from competition, interest rate changes, and economic conditions.
Focus remains on sound lending growth, managing interest rate changes, and regulatory landscape in 2026.
Drivers of Q4 credit provision reversal
Sources of Q4 deposit growth
Impact of rates on bond portfolio OCI
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Latest summaries
- TimeTickerHeadlineOpen
- 055550
Net income up 11.7% YoY, shareholder returns at 50.2%, CET1 ratio at 13.33%. - RM
Record 2025 net income, originations, and efficiency set up strong 2026 growth outlook. - KPIL
27% YOY revenue growth, strong profit and order book, and improved debt metrics drive outlook. - FSV
Annual revenues rose 5% to $5.50B, led by Residential growth and improved profitability. - HEXT
Revenue up 7.6% YoY, margin expands, and AI and acquisitions drive future growth. - 4188
Net income surged on discontinued operations gains, but outlook cut due to restructuring costs. - 021240
Record-high profits and strong rental growth, with overseas expansion led by Malaysia and Thailand. - 021240Record revenue and profit growth in 2Q'25, led by robust domestic and overseas performance.
- 021240Record-high revenue and net profit in 3Q'24, driven by robust rental growth and overseas expansion.
- 021240Record revenue and profit, with strong growth in rental accounts and overseas markets.
Next First Financial Bankshares earnings date
Q1 202616 Apr, 2026
First Financial Bankshares
Next First Financial Bankshares earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
First Financial Bankshares, Inc. provides commercial banking products and services in Texas. It provides various deposit products, including checking, savings, money market and time deposit accounts. As of December 31, 2015, it operated through 143 locations that consisted of 121 branches, 14 loan production offices, 7 trust operations and one online banking office; 3 bank divisions; and 20 title insurance offices with locations in Texas and New Mexico.
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