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.
This page compiles U.S. Securities and Exchange Commission filings for First Financial Bankshares, Inc. (NASDAQ: FFIN), a financial holding company headquartered in Abilene, Texas. Through its subsidiary, First Financial Bank, the company operates community banking regions across Texas and reports its financial and corporate information to the SEC in a variety of forms.
Investors can use this filings stream to review earnings releases furnished on Form 8-K under Item 2.02, which summarize quarterly results of operations and financial condition. These filings provide detail on net interest income, noninterest income, provisions for credit losses, noninterest expenses, loan and deposit levels, trust fee income, mortgage income, nonperforming assets, classified loans, and performance ratios such as net interest margin, efficiency ratio, return on average assets, and return on average equity.
First Financial Bankshares also files Form 8-K reports on material events such as the renewal of its stock repurchase plan and changes to its revolving line of credit. For example, one 8-K describes the renewal of a plan authorizing repurchases of up to 5 million common shares, while another details a renewed unsecured revolving line of credit with Frost Bank, including financial covenants related to capital, profitability, loan loss reserves, nonperforming assets, and debt service coverage, as well as operational covenants that limit dividend payout ratios, additional indebtedness, and asset disposals outside the ordinary course of business.
Over time, users can also expect to find the company’s annual reports on Form 10-K, quarterly reports on Form 10-Q, and any proxy statements and other disclosures that address topics such as risk factors, capital management, corporate governance, and executive compensation. Insider transaction reports on Form 4, when filed, provide visibility into purchases and sales of FFIN shares by directors and officers.
Stock Titan’s platform surfaces these filings as they are made available on EDGAR and pairs them with AI-powered summaries that explain the key points, highlight notable changes from prior periods, and help clarify complex sections. This allows users to quickly understand how First Financial Bankshares’ regulatory disclosures address its community banking operations in Texas, loan portfolio composition, capital and liquidity arrangements, stock repurchase activity, and other material corporate developments.
David W. Bailey, President and director of First Financial Bankshares, Inc. (FFIN), reported multiple equity transactions on 08/14/2025. He was granted 3,294 restricted stock units (RSUs) that vest in three approximately equal installments on each anniversary of the grant date, and 11,062 employee stock options with a $36.43 exercise price that vest 33.33% after one year, 66.66% after two years and 100% after three years.
Also on 08/14/2025, 728 previously granted RSUs vested and were not received as shares but were converted into 728 deferred stock units under the company’s Supplemental Executive Retirement Plan (SERP); those deferred units are payable upon termination. Following the reported transactions, Mr. Bailey beneficially owned 18,238 shares and 11,062 options.
First Financial Bankshares, Inc. (FFIN) reporting person T. Luke Longhofer, Executive Vice President and director, recorded equity awards and related transactions on 08/14/2025. The filing shows a grant of 2,470 restricted stock units (RSUs) that vest in three roughly equal annual installments, and an award of 8,297 employee stock options with a $36.43 exercise price that vest 33.33% after one year, 66.66% after two years and fully after three years (expiration 08/14/2035). Additionally, 695 previously granted RSUs vested and were converted into 695 deferred stock units under the company’s Supplemental Executive Retirement Plan (SERP), payable upon termination. Following these transactions, Longhofer beneficially owns 39,907 shares (direct).
First Financial Bankshares, Inc. (FFIN) reporting person Michelle S. Hickox received equity awards and recorded exercises and deferrals on August 14, 2025. The filing shows a grant of 3,403 restricted stock units (RSUs) and the vesting/deferral of 1,203 RSUs into deferred stock units under the company supplemental executive retirement plan (SERP), resulting in a reported disposition of those 1,203 RSUs. The reporting person also received 11,431 employee stock options with an exercise price of $36.43 and an expiration date of 08/14/2035.
After the reported transactions the filing lists 25,018 shares beneficially owned following the RSU grant and 23,815 shares following the reported disposition/deferral. The filing is a Form 4 reflecting routine executive equity compensation activity: new RSUs, option grants with multi-year vesting, and conversion of vested RSUs into deferred units payable under the SERP.
First Financial Bankshares, Inc. (FFIN) reporting person Ronald D. Butler II, Chief Accounting Officer and director, reported equity award activity on 08/14/2025. The Form 4 shows acquisition of 3,458 restricted stock units (RSUs) granted on that date, disposal of 1,222 RSUs that were converted into 1,222 deferred stock units under the company SERP, and acquisition of 11,615 employee stock options with a $36.43 exercise price exercisable through 08/14/2035.
The reporting person beneficially owned 175,272 shares11,615 options6,249 deferred stock units
Lon A. Biebighauser, a Trust Company President and officer of First Financial Bankshares Inc. (FFIN), reported transactions dated 08/14/2025. He was granted 1,153 restricted stock units (RSUs) that vest in three approximately equal installments on each anniversary of the grant and carry a reported price of $0. After the grant his beneficial ownership of common stock is 10,523 shares (direct). On the same date he was also granted 3,872 employee stock options with an exercise price of $36.43, exercisable through 08/14/2035, and vesting 33.33% after one year, 66.66% after two years, and fully after three years. The Form 4 was signed on behalf of Mr. Biebighauser by Michelle S. Hickox as attorney-in-fact on 08/18/2025.
First Financial Bankshares Inc. submitted a Form 13F reporting its institutional investment management holdings. The report lists 205 portfolio entries with a total market value of $4,464,456,987 and names First Financial Trust & Asset Management Company as an included manager. The filing is a routine quarterly holdings disclosure.
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.