First Financial Bankshares Inc
ffin.comWhat Do They Do?
Provides commercial banking, including loans and deposit accounts, and trust and wealth management services to consumers, businesses and government entities in Texas.
10-K for FY2025, filed Feb 25, 2026Through our subsidiaries, we conduct a full-service commercial banking business. Our banking centers are located primarily in Central…View ↗
Our subsidiary bank, First Financial Bank, is a separate legal entity that operates under the day-to-day management and oversight of its…View ↗
We also provide full-service trust and wealth management activities through our trust company, First Financial Trust & Asset Management…View ↗
We operate as a community bank offering a wide range of commercial banking and related services to consumers, small businesses…View ↗
How Do They Make Money?
It earns most of its revenue from interest on loans and investments, along with trust fees, gains from selling mortgage loans, and charges and fees on deposit accounts. Deposits held by its bank subsidiary fund its loans and investments.
10-K for FY2025, filed Feb 25, 2026As a financial holding company, we generate most of our revenue from interest on loans and investments, trust fees, gain on sale of…View ↗
$702.5M
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10-K for FY2025, filed Feb 25, 2026
$702.5M ↗
Who Are Their Customers?
It serves consumers, small businesses, corporations, nonprofits, government entities and others through its community bank and its regional banking centers. It also provides trust and wealth management services through its trust company.
10-K for FY2025, filed Feb 25, 2026Through our subsidiaries, we conduct a full-service commercial banking business. Our banking centers are located primarily in Central…View ↗
Our subsidiary bank, First Financial Bank, is a separate legal entity that operates under the day-to-day management and oversight of its…View ↗
We also provide full-service trust and wealth management activities through our trust company, First Financial Trust & Asset Management…View ↗
We operate as a community bank offering a wide range of commercial banking and related services to consumers, small businesses…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 36 cents of every revenue dollar as net income in FY2025 and turned 41 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 87% in 4 years, from $376.4M in FY2021 to $702.5M in FY2025, about 17% a year.
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