Welcome to our dedicated page for First Financial Bankshares SEC filings (Ticker: FFIN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
First Financial Bankshares Inc filings document the regulatory disclosures of a Texas financial holding company and its bank-centered operating structure. Recent Form 8-K reports include earnings releases, annual meeting presentations, shareholder voting results, executive transition disclosures, and renewed share repurchase authorization.
The company’s proxy materials cover board elections, auditor ratification, advisory executive compensation votes, compensation tables, equity awards, and governance matters. These filings also record Regulation FD presentations and capital-allocation actions relevant to First Financial Bankshares’ common stock and its community banking operations in Texas.
First Financial Bankshares, Inc. held its annual shareholders’ meeting in Abilene, Texas on April 28, 2026, where all thirteen nominated directors were elected. Shareholders also ratified Ernst & Young LLP as independent auditors and approved the advisory vote on executive compensation.
In connection with the meeting, the Board declared a $0.22 per share cash dividend for the second quarter, a 15.8 percent increase. The dividend will be paid to shareholders of record on June 12, 2026, with payment scheduled for July 1, 2026.
First Financial Bankshares reported first quarter 2026 net income of $71.54 million, up from $61.35 million a year ago, as earnings per share rose to $0.50 from $0.43. Compared with the fourth quarter of 2025, net income dipped slightly from $73.31 million and EPS from $0.51.
Net interest income increased to $134.79 million, with a tax‑equivalent net interest margin of 3.86%, up from 3.74% a year earlier. Average interest‑earning assets grew to $14.54 billion, helping drive higher core banking revenue.
Credit quality remained solid. The allowance for credit losses was $107.92 million, or 1.30% of loans, with net charge‑offs of only $356 thousand. Nonperforming assets declined to 0.66% of loans and foreclosed assets, improving from 0.78% a year ago.
Noninterest income rose to $32.10 million, supported by higher trust and mortgage fees, while noninterest expense increased to $76.77 million. The efficiency ratio improved to 44.98%, indicating disciplined cost control. Loans grew to $8.29 billion and total assets reached $15.39 billion. Capital remained strong, with a Common Equity Tier 1 ratio of 20.23% and equity of $1.94 billion.
The Vanguard Group filed Amendment No. 12 to a Schedule 13G/A reporting 0 shares beneficially owned and 0% of First Financial Bankshares Inc. common stock.
The filing explains an internal realignment effective January 12, 2026, under SEC Release No. 34-39538 that caused certain Vanguard subsidiaries or business divisions to report holdings separately on a disaggregated basis. The amendment states Vanguard no longer is deemed to beneficially own securities held by those subsidiaries and lists 0 shares as of the amendment.
FIRST FINANCIAL BANKSHARES INC Executive Vice President and Bank CFO J. Kyle McVey reported routine equity compensation activity. He acquired 2,200 shares of common stock as a stock award tied to the vesting of performance stock units, with no cash paid per share.
To cover related income taxes, 536 shares were withheld by the company at a price of $29.56 per share, a tax-withholding disposition rather than an open-market sale. After these transactions, McVey directly owns 27,685 shares of common stock.
FIRST FINANCIAL BANKSHARES INC executive John James Ruzicka Jr reported routine equity compensation vesting and deferral. On the vesting of previously granted performance stock units, he received 2,370 shares of common stock and simultaneously deferred that amount into 2,370 deferred stock units under the company’s Supplemental Executive Retirement Plan.
The Form 4 shows a grant of 2,370 deferred stock units and a matching grant and disposition of 2,370 common shares back to the issuer to reflect the deferral choice. After these entries, he holds 11,986 shares of common stock and 5,837 deferred stock units directly.
First Financial Bankshares Chief Risk Officer Randall Allen Roewe reported compensation-related equity activity. On March 13, 2026, 2,539 performance stock units vested into 2,539 shares of common stock, which were simultaneously exchanged for 2,539 deferred stock units credited to the company’s SERP. These actions increased his deferred stock units to 6,296 and left him holding 33,315 shares of common stock directly.
FIRST FINANCIAL BANKSHARES INC executive T. Luke Longhofer reported compensation-related equity activity involving performance stock units and deferred stock units. On March 13, 2026, he acquired 3,216 deferred stock units, representing vested performance stock units whose receipt of common shares was deferred into the company’s Supplemental Executive Retirement Plan. On the same date, he also reported an acquisition and an offsetting disposition of 3,216 shares of common stock to the issuer in connection with this deferral. After these entries, he directly holds 40,970 shares of common stock and 8,061 deferred stock units, reflecting routine equity compensation and deferral choices rather than open-market trading.
FIRST FINANCIAL BANKSHARES INC Chief Accounting Officer Ronald David Butler II reported compensation-related equity activity involving performance stock units, common stock, and deferred stock units. On March 13, 2026, 6,094 performance stock units vested and were settled in shares of common stock.
Instead of receiving these 6,094 common shares directly, Mr. Butler deferred the award into the company’s Supplemental Executive Retirement Plan, exchanging them for 6,094 deferred stock units payable upon his termination of employment. This produced an acquisition and a matching disposition to the issuer rather than an open-market trade.
After these transactions, Mr. Butler directly holds 170,952 shares of common stock and 14,262 deferred stock units representing future rights to common stock. The filing reflects routine executive compensation and deferral elections, with no reported open-market purchases or sales.
FIRST FINANCIAL BANKSHARES INC EVP/CFO Michelle S. Hickox reported compensation-related equity activity. She received 6,094 deferred stock units tied to performance stock units that vested into common stock subject to performance criteria other than the issuer's stock price. In connection with this vesting, 6,094 shares of common stock were issued and then her receipt of those shares was deferred into an equal number of deferred stock units under the company's Supplemental Executive Retirement Plan, payable upon her termination of employment. Following these transactions, she directly holds 11,861 shares of common stock, 10,006 deferred stock units and indirectly holds 14,600 shares of common stock through an IRA.
FIRST FINANCIAL BANKSHARES INC CEO and President David William Bailey reported compensation-related equity transactions with no open-market trading. On March 13, 2026, he received 2,878 deferred stock units linked to common stock in connection with vesting of previously granted performance stock units.
Footnotes explain that 2,878 performance stock units vested into common stock and, instead of taking those shares directly, Bailey deferred receipt into the company’s Supplemental Executive Retirement Plan as deferred stock units. As part of this process, 2,878 common shares were issued and an equal number were disposed back to the issuer.
Following these transactions, Bailey directly holds 20,872 shares of common stock and 6,581 deferred stock units. The filing reflects routine equity compensation and deferral elections rather than discretionary buying or selling of shares in the market.