FIRST FINANCIAL BANKSHARES INC
For the period ended Sep 30, 2026. Filed Nov 5, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 5, 2026
FFIN$30.59-0.6%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Earnings
CONSOLIDATED STATEM ENTS OF EARNINGS—(UNAUDITED)
| Three-Months Ended September 30, | Nine-Months Ended September 30, | |||
|---|---|---|---|---|
| 2026 | 2025 | 2026 | 2025 | |
| INTEREST INCOME: | ||||
| Interest and fees on loans | $140,955 | $140,441 | $414,173 | $406,145 |
| Interest on investment securities: | ||||
| Taxable | 35,024 | 26,539 | 100,973 | 76,815 |
| Exempt from federal income tax | 10,230 | 10,196 | 32,602 | 26,567 |
| Interest on federal funds sold and interest-bearing demand deposits in banks | 2,836 | 2,516 | 10,202 | 10,085 |
| Total interest income | 189,045 | 179,692 | 557,950 | 519,612 |
| INTEREST EXPENSE: | ||||
| Interest on deposits | 50,252 | 52,009 | 146,800 | 148,289 |
| Interest on repurchase agreements and borrowings | 286 | 682 | 938 | 1,803 |
| Total interest expense | 50,538 | 52,691 | 147,738 | 150,092 |
| Net interest income | 138,507 | 127,001 | 410,212 | 369,520 |
| PROVISION FOR CREDIT LOSSES | 2,034 | 24,435 | 8,508 | 31,095 |
| Net interest income after provision for credit losses | 136,473 | 102,566 | 401,704 | 338,425 |
| NONINTEREST INCOME: | ||||
| Wealth Management fees | 14,492 | 12,950 | 41,815 | 38,349 |
| Service charges on deposit accounts | 6,693 | 6,447 | 19,033 | 18,749 |
| Debit card fees | 5,953 | 5,333 | 16,782 | 15,519 |
| Credit card fees | 721 | 699 | 2,106 | 1,983 |
| Gain on sale and fees on mortgage loans | 4,175 | 4,375 | 13,131 | 11,333 |
| Net loss on sale of available-for-sale securities | (9) | — | (9) | — |
| Net (loss) gain on sale of foreclosed assets | (2) | (122) | (77) | 43 |
| Net (loss) gain on sale of other assets | (1) | — | (375) | 6 |
| Other noninterest income | 3,613 | 4,582 | 11,169 | 11,384 |
| Total noninterest income | 35,635 | 34,264 | 103,575 | 97,366 |
| NONINTEREST EXPENSE: | ||||
| Salaries, commissions and employee benefits | 47,809 | 42,605 | 143,451 | 127,322 |
| Net occupancy expense | 3,837 | 3,545 | 11,195 | 10,865 |
| Equipment expense | 2,306 | 2,395 | 6,633 | 7,194 |
| FDIC insurance premiums | 1,709 | 1,635 | 5,036 | 4,795 |
| Debit card expense | 3,029 | 3,512 | 9,180 | 10,193 |
| Professional and service fees | 3,959 | 3,000 | 11,026 | 8,381 |
| Printing, stationery and supplies | 490 | 456 | 1,405 | 1,411 |
| Operational and other losses | 1,333 | 1,957 | 3,134 | 3,217 |
| Software amortization and expense | 5,067 | 4,280 | 14,714 | 12,032 |
| Amortization of intangible assets | 42 | 86 | 128 | 266 |
| Other noninterest expense | 11,471 | 10,195 | 33,024 | 30,060 |
| Total noninterest expense | 81,052 | 73,666 | 238,926 | 215,736 |
| EARNINGS BEFORE INCOME TAXES | 91,056 | 63,164 | 266,353 | 220,055 |
| INCOME TAX EXPENSE | 16,748 | 10,897 | 48,608 | 39,785 |
| NET EARNINGS | $74,308 | $52,267 | $217,745 | $180,270 |
| NET EARNINGS PER SHARE, BASIC | $0.52 | $0.37 | $1.52 | $1.26 |
| NET EARNINGS PER SHARE, DILUTED | $0.52 | $0.36 | $1.51 | $1.26 |
| DIVIDENDS PER SHARE | $0.22 | $0.19 | $0.63 | $0.56 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.