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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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First Financial Bankshares (FFIN) investor relations material
First Financial Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Reported unaudited results for the quarter ended June 30, 2025, as a $14.4 billion financial holding company with a 135-year history and a diverse Texas footprint.
Second quarter 2025 net income rose to $66.66 million, up 27% year-over-year and 8.7% sequentially from Q1 2025, with EPS at $0.47 versus $0.37 a year ago and $0.43 last quarter.
Recognized as #3 in Forbes' America's Best Banks 2025, emphasizing a unique regional structure and a strong culture of service excellence.
Growth driven by healthy loan and deposit increases, improved net interest margin, and higher trust revenue.
Continued de novo growth with recent branch and office openings across Texas.
Financial highlights
Total assets grew to $14.38 billion as of June 30, 2025, up from $13.16 billion a year earlier.
Deposits reached $12.45 billion, with a balanced mix of noninterest and interest-bearing accounts.
Loans increased to $8.11 billion, with a diversified portfolio and strong credit quality.
Net interest income for Q2 2025 was $123.73 million, up from $103.27 million in Q2 2024 and $118.79 million in Q1 2025.
Trust assets rose to $11.46 billion, and trust fees for the first half of 2025 were $25.4 million.
Outlook and guidance
Management expects continued improvement in investment yields, ongoing loan growth, and a focus on deposit expansion for the rest of 2025.
Management notes forward-looking statements are subject to risks including competition, interest rate changes, and economic conditions.
Explain the primary drivers of margin increase.
Assess the impact of new platforms on expenses.
Detail the rationale for profit sharing increase.
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Next First Financial Bankshares earnings date
Q3 202523 Oct, 2025
Next First Financial Bankshares earnings date
Q3 202523 Oct, 2025
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Eferix Drawings Google Play
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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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