FIRST FINANCIAL BANKSHARES INC

For the period ended Dec 31, 2025. Filed Feb 25, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 25, 2026

FFIN$30.76+1.2%Stored close · as of Nov 9, 2026

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Contents

Financial Statements and Supplementary Data

ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Our consolidated financial statements and the report of our independent registered public accounting firm begin on page F-1.

Quarterly Results of Operations (in thousands, except per share and common stock data):

The following tables set forth certain unaudited historical quarterly financial data for each of the eight consecutive quarters in the fiscal years of 2025 and 2024. This information is derived from unaudited consolidated financial statements that include, in our opinion, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation when read in conjunction with our consolidated financial statements and notes thereto included elsewhere in this Form 10-K.

	4th	3rd	2nd	1st
(dollars in thousands, except per share amounts)
Summary Income Statement Information:
Interest income	$182,869	$179,692	$172,810	$167,110
Interest expense	51,501	52,691	49,080	48,321
Net interest income	131,368	127,001	123,730	118,789
Provision for credit losses	(2,486)	24,435	3,132	3,528
Net interest income after provision for credit losses	133,854	102,566	120,598	115,261
Noninterest income	33,349	34,264	32,873	30,230
Noninterest expense	77,650	73,666	71,735	70,335
Earnings before income taxes	89,553	63,164	81,736	75,156
Income tax expense	16,239	10,897	15,078	13,810
Net earnings	$73,314	$52,267	$66,658	$61,346
Per Share Data:
Earnings per share, basic	$0.51	$0.37	$0.47	$0.43
Earnings per share, diluted	0.51	0.36	0.47	0.43
Cash dividends declared	0.19	0.19	0.19	0.18
Book value at period-end	13.39	12.78	12.14	11.75
Common stock sales price:
High	$33.74	$37.98	$37.48	$38.52
Low	29.86	33.62	31.30	34.78
Close	29.87	33.65	35.98	35.92

	4th	3rd	2nd	1st
(dollars in thousands, except per share amounts)
Summary Income Statement Information:
Interest income	$165,792	$159,958	$153,673	$149,495
Interest expense	49,675	52,849	50,400	49,253
Net interest income	116,117	107,109	103,273	100,242
Provision for credit losses	1,003	6,123	5,888	808
Net interest income after provision for credit losses	115,114	100,986	97,385	99,434
Noninterest income	30,977	32,362	31,268	29,383
Noninterest expense	70,099	66,012	65,012	63,940
Earnings before income taxes	75,992	67,336	63,641	64,877
Income tax expense	13,671	12,028	11,156	11,480
Net earnings	$62,321	$55,308	$52,485	$53,397
Per Share Data:
Earnings per share, basic	$0.44	$0.39	$0.37	$0.37
Earnings per share, diluted	0.43	0.39	0.37	0.37
Cash dividends declared	0.18	0.18	0.18	0.18
Book value at period-end	11.24	11.63	10.63	10.44
Common stock sales price:
High	$44.66	$39.53	$32.73	$33.15
Low	35.13	28.35	27.62	27.06
Close	36.05	37.01	29.53	32.81

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