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’ filings tell a uniquely Texan story of loan quality, deposit strength, and community-bank stewardship. Whether you’re comparing net interest margins across its West Texas branches or tracking agricultural exposure in the Panhandle, each disclosure holds clues to the bank’s durable earnings model.
Stock Titan brings these documents to life with AI-powered summaries that translate technical banking language into everyday insight. Open a First Financial Bankshares annual report 10-K simplified view to see how credit-loss provisions shifted, or dive into a First Financial Bankshares quarterly earnings report 10-Q filing to spot deposit-mix changes in seconds. Our platform streams First Financial Bankshares Form 4 insider transactions real-time, so you’ll know the moment a regional president buys shares.
- 10-K – multi-year breakdowns of loan portfolios, trust revenues, and regional economic risk factors, explained simply.
- 10-Q – quarter-over-quarter trends in net interest income with AI highlights of key ratio movements.
- 8-K – branch acquisitions, capital actions, or material credit events, with First Financial Bankshares 8-K material events explained in plain English.
- Form 4 – instant alerts on First Financial Bankshares executive stock transactions Form 4 to monitor insider sentiment.
- DEF 14A – proxy statement executive compensation decoded to show how local performance metrics drive pay.
Analysts, portfolio managers, and community-focused investors use these AI insights to: compare loan concentrations, track insider buying before rate shifts, and benchmark efficiency ratios without reading hundreds of pages. If you’ve ever searched for “understanding First Financial Bankshares SEC documents with AI” or wanted a swift First Financial Bankshares earnings report filing analysis, you’re in the right place. Real-time updates from EDGAR arrive here first, already summarized, so you can focus on decisions, not downloads.
First Financial Bankshares (FFIN) reported solid Q2 2025 results. Net earnings rose 27% YoY to $66.7 million and diluted EPS climbed to $0.47 from $0.37. Six-month earnings reached $128.0 million (+21%).
Revenue mix. Net interest income increased 19.8% to $123.7 million as loan growth (+7.4% YoY to $8.1 billion) offset higher funding costs; interest expense on deposits was essentially flat at $48.7 million despite a larger balance sheet. Provision for credit losses fell to $3.1 million (vs. $5.9 million). Non-interest income added $32.9 million (+5%), led by trust fees and mortgage banking.
Operating costs. Non-interest expense rose 10% to $71.7 million, driven by compensation and software investments, pressuring the efficiency ratio.
Balance sheet strength. Total assets grew 9% YoY to $14.4 billion; deposits advanced 9% to $12.45 billion with a stable 28% non-interest-bearing mix. Shareholders’ equity increased to $1.74 billion as unrealized losses in the AFS portfolio narrowed by $68 million, improving accumulated OCI.
Capital & liquidity. Cash and equivalents remain ample at $708 million. Borrowings and repo funding declined $115 million quarter-to-date, underscoring stronger liquidity. The quarterly dividend was raised to $0.19 per share.
Key takeaways: FFIN delivered double-digit top- and bottom-line growth, sustained loan momentum and improving AOCI, partially offset by rising operating costs and lingering deposit cost pressure.
Form 4 highlights: On 07/29/2025, First Financial Bankshares (FFIN) Chief Risk Officer Randall Allen Roewe exercised employee stock options and acquired 1,684 common shares—1,588 shares at $29.70 and 96 shares at $29.53. No shares were sold.
Following the transactions, Roewe’s direct ownership rose to 33,119 shares. Remaining derivative holdings comprise 812 options at a $29.70 strike (exp. 06/26/2029) and 5,858 options at a $29.53 strike (exp. 08/16/2033).
Form 4 code “M” denotes option exercise; all resulting share acquisitions are classified “A” (acquired). No indirect ownership or Rule 10b5-1 plan is disclosed.
On 07/29/2025, First Financial Bankshares (FFIN) Chief Accounting Officer Ronald D. Butler II exercised 10,150 employee stock options at an exercise price of $16.95 (Form 4, Code M). The options, granted 10/27/2021 and expiring 10/27/2025, were converted into the same number of common shares; no shares were sold. Butler’s direct ownership increased to 171,814 FFIN shares, and he now holds zero derivative securities from this grant.
The transaction is an internal equity acquisition rather than a disposition, suggesting continued insider alignment with shareholders, but the size is modest relative to the company’s total share count and should have limited market impact.
First Financial Bankshares (FFIN) Form 4: President David W. Bailey exercised employee stock options on 07/24/2025, acquiring 2,000 common shares at an exercise price of $16.95 (transaction code “M”). After the exercise, his direct beneficial ownership stands at 15,672 shares. The underlying option—granted 10/27/2021 and expiring 10/27/2025—has been fully exercised, leaving Bailey with no remaining derivative securities. No shares were sold and no indirect holdings were reported.
Form 4 filing – First Financial Bankshares (FFIN). On 07/25/2025 director Murray Hamilton Edwards reported a Code J transaction (change in ownership form) involving 113,454 common shares previously held indirectly through Twenty-Three Oaks LP. For estate-planning purposes, he and his spouse transferred their general-partner interests to Rattlesnake Hill LLC, which is owned 100% by their children; consequently, Edwards no longer has any beneficial ownership over those shares and received $0 consideration.
Post-transaction holdings: 201,985 shares held directly; 42,134 shares held indirectly by a trust; 8,880 shares held by spouse; 19,480 shares in trusts disclaimed as beneficial ownership. Total reportable ownership therefore decreases by 113,454 shares but remains above 250 k when including direct and certain indirect positions.
The filing signals a reduction in insider alignment but appears driven by estate planning rather than market sentiment, limiting immediate trading impact.
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