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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Financial Bankshares
First Financial Bankshares (FFIN) investor relations material
First Financial Bankshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary16 Oct, 2026
Executive summary
Q3 2026 net income was $74.31 million, up 42.2% YoY; diluted EPS was $0.52 versus $0.36. 9M net income rose 20.8% to $217.75 million, with EPS of $1.51.
Q3 tax-equivalent NIM increased 11 bps YoY to 3.91%; total assets were $15.163 billion, deposits $13.148 billion and loans $8.564 billion at September 30, 2026.
Texas-focused banking franchise organized across 8 regions, with consolidated support functions intended to support local decision-making and a lower efficiency ratio.
Financial highlights
Q3 net interest income was $138.51 million, versus $127.00 million YoY; provision for credit losses was $2.03 million, versus $24.44 million, including a year-ago fraud-related charge-off.
Q3 noninterest income was $35.64 million, versus $34.26 million YoY; noninterest expense was $81.05 million, versus $73.67 million.
9M net interest income was $410.2 million, versus $369.5 million; noninterest income was $103.6 million, versus $97.4 million.
Deposits were $13.148 billion: 46.2% NOW and savings, 27.0% noninterest-bearing checking, 20.0% money market and 6.8% time deposits.
9M trust fees were $41.815 million and trust net income was $22.983 million.
Outlook and guidance
Entering Q4, management emphasized disciplined balance sheet growth and prudent risk management.
Bee Cave was scheduled to open later in October, establishing a first full-service location in the Austin market.
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Latest events from First Financial Bankshares
- Q2 2026 net income up 7.9% year-over-year, with margin expansion and strong fee income.FFIN
Q2 2026 - Q1 2026 net income rose 16.6%, with margin expansion and strong capital ratios.FFINQ1 2026
- Record earnings, strong growth, and a 16% dividend increase marked this year's meeting.FFINAGM 2026
- Proxy covers director elections, auditor ratification, executive pay, and strong ESG focus.FFINProxy Filing
- Record 2025 net income, strong asset growth, and industry-leading efficiency ratios.FFINQ4 2025
- Annual meeting to vote on directors, auditor, executive pay, and highlight ESG progress.FFINProxy Filing
- Q3 2025 earnings fell on a major fraud loss, but core growth and capital strength persisted.FFINQ3 2025
- Q2 2025 net income up 27% year-over-year, with strong asset growth and improved efficiency.FFINQ2 2025
- Q2 2024 net income up to $52.49M with strong loan growth and margin expansion.FFINQ2 2024
Next First Financial Bankshares earnings date
Q4 202621 Jan, 2027
First Financial Bankshares
Next First Financial Bankshares earnings date
Q4 202621 Jan, 2027
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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.