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First Financial Bankshares (FFIN) investor relations material
First Financial Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Q3 2025 unaudited results showed continued growth, though net income fell to $52.27 million due to a $21.55 million fraud-related credit loss; year-to-date net income rose nearly 12% to $180.27 million, with diluted EPS at $1.26.
Recognized as one of America's best banks by Forbes in 2025.
Operates as a $14.8 billion financial holding company with a diverse Texas footprint and a 135-year history.
Financial highlights
Total assets reached $14.84 billion and total deposits $12.85 billion as of September 30, 2025.
Loans increased to $8.27 billion, with loan and deposit growth continuing year-over-year.
Net interest income for Q3 2025 was $127.00 million, with net interest margin at 3.80%.
Noninterest income for Q3 2025 was $34.26 million, driven by trust and mortgage-related income.
Efficiency ratio improved to 44.74% for Q3 2025.
Outlook and guidance
Management expects continued growth in earnings and maintains current dividend policy, while noting risks from competition, interest rate changes, and economic conditions.
Management remains optimistic for the final quarter, focusing on collateral liquidation and growth.
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Next First Financial Bankshares earnings date
Q4 202522 Jan, 2026
Next First Financial Bankshares earnings date
Q4 202522 Jan, 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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