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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.
Executive summary
Net income for Q2 2025 was $66.66 million, up 27% year-over-year, with diluted EPS at $0.47, and first half net income reached $128 million with EPS at $0.89, both showing strong annual growth.
Total assets as of June 30, 2025, were $14.38 billion, with a 135-year history and a diverse Texas footprint.
Recognized as #3 in Forbes' America's Best Banks 2025, emphasizing a unique regional structure and a strong culture of service excellence.
Growth was driven by healthy loan and deposit increases, improved net interest margin, and higher trust revenue.
Management maintains a positive outlook for the remainder of 2025, citing opportunities for further loan and deposit growth and improved investment yields.
Financial highlights
Net interest income for Q2 2025 was $123.73 million, up from $103.27 million in Q2 2024, with net interest margin at 3.81%.
Total assets grew to $14.38 billion, deposits to $12.45 billion, and loans to $8.11 billion as of June 30, 2025.
Trust assets rose to $11.46 billion, with trust fees for the first half of 2025 at $25.4 million.
Noninterest income for Q2 2025 was $32.87 million, with trust fee income at $12.75 million and mortgage income at $4.13 million.
Efficiency ratio improved to 44.97% for Q2 2025, outperforming peers.
Outlook and guidance
Management expects continued strong asset quality, capital levels, and improvement in investment yields, with a focus on loan and deposit growth.
Liquidity position is considered adequate, with diversified core deposits and low loan-to-deposit ratios.
Forward-looking statements are subject to risks including competition, interest rate changes, and economic conditions.
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