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Visual22 Oct 2025
Epiroc's cash spent on M&A
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
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.
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 202530 Oct, 2025
Next First Financial Bankshares earnings date
Q3 202530 Oct, 2025
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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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