First Financial Bank (Abilene, TX): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Financial Bank carries far more capital than most banks of its size. Based in Abilene, Texas, it had $15.2 billion in assets at June 30, 2026, up 6.4% from a year earlier. It holds common equity equal to 18.36% of its risk-weighted assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also spends about 44 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 53 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $353 million equal 20% of Tier 1 capital, down from 28% a year earlier.
As of June 30, 2026, First Financial Bank reported a CET1 capital ratio of 18.36%, a return on assets of 1.73%, a nonperforming-loan ratio of 0.77% and a Texas ratio of 4.21%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 400 Pine St, Abilene, TX 79601
- County
- Taylor
- Metro Area
- Abilene, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1889
- Former names
- First Financial Bank, National Association (2005-2024); First National Bank of Abilene (1957-2005)
- Offices
- 83 domestic
- Employees (FTE)
- 1,529
- Domestic deposits
- $13.30B
- Allowance for credit losses
- $112.4M
- Net charge-offs (YTD)
- -$244K
- Average total assets
- $15.58B
- Average total loans
- $8.32B
- Average interest-bearing deposits
- $9.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3066
- Fed RSSD
- 470050
- SEC CIK
- 36029 → filed by FIRST FINANCIAL BANKSHARES, INC.
- Website
- www.ffin.com/ →
- Parent Holding Company
- FIRST FINANCIAL BANKSHARES, INC. (RSSD 1102312) · FFIN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Bailey David William | CEO | President and CEO |
| Dueser F Scott | CHR | Executive Chairman |
| Michelle S Hickox | CFO | EVP/CFO |
| Longhofer T. Luke | CCO | EVP - Chief Credit Officer |
| Brown Timothy Michael | CIO | EVP/Chief Information Officer |
| Roewe Randall Allen | CRO | EVP, Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Financial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Financial Bank, freeFirst Financial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Financial Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.36% | 1.73% | 0.77% | 4.21% | 3.80% |
| Q1 2026 | 18.26% | 1.74% | 0.63% | 3.51% | 3.73% |
| Q4 2025 | 18.18% | 1.80% | 0.68% | 3.67% | 3.72% |
| Q3 2025 | 17.42% | 1.32% | 0.68% | 4.13% | 3.70% |
| Q2 2025 | 17.78% | 1.72% | 0.78% | 4.56% | 3.66% |
| Q1 2025 | 17.79% | 1.60% | 0.77% | 4.60% | 3.55% |
| Q4 2024 | 17.36% | 1.66% | 0.79% | 5.03% | 3.56% |
| Q3 2024 | 17.21% | 1.48% | 0.82% | 4.95% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 83 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Financial Bank (main office) | Abilene , TX | 79601 | $1.94B |
| First Financial San Angelo Branch | San Angelo , TX | 76903 | $728.2M |
| First Financial Stephenville Branch | Stephenville , TX | 76401 | $543.6M |
| Orange Savings Bank, Ssb Branch | Orange , TX | 77630 | $487.3M |
| River Oaks Branch | Abilene , TX | 79605 | $462.8M |
| Harvey Mitchell Branch | College Station , TX | 77845 | $422.9M |
| Buffalo Gap Road Branch | Abilene , TX | 79606 | $421.9M |
| College Park Branch | Weatherford , TX | 76086 | $372.6M |
| First Bank National Association Branch | Conroe , TX | 77304 | $337.3M |
| Southwest Branch | San Angelo , TX | 76904 | $334.8M |
| First Financial Southlake Branch | Southlake , TX | 76092 | $323.8M |
| Kingwood Branch | Kingwood , TX | 77339 | $301.7M |
| First Financial Mineral Wells Branch | Mineral Wells , TX | 76067 | $288.5M |
| First Financial Cleburne Branch | Cleburne , TX | 76033 | $280.5M |
| First Financial Eastland Branch | Eastland , TX | 76448 | $269.0M |
| None Given Branch | Huntsville , TX | 77320 | $249.7M |
| First Financial Sweetwater Branch | Sweetwater , TX | 79556 | $220.0M |
| First Financial Bank, N.A. | Fort Worth , TX | 76110 | $213.2M |
| Trophy Club Branch | Trophy Club , TX | 76262 | $212.0M |
| Port Arthur Branch | Port Arthur , TX | 77642 | $203.7M |
| Antilley Road Branch | Abilene , TX | 79606 | $175.4M |
| First Financial Hereford Branch | Hereford , TX | 79045 | $173.5M |
| Decatur Branch | Decatur , TX | 76234 | $173.4M |
| First Finanical Bank Waxahachie Branch | Waxahachie , TX | 75165 | $170.7M |
| Cleburne Branch | Cleburne , TX | 76033 | $156.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2020 | Structure Change | Acquired The Bank & Trust of Bryan/College Station Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired First Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2013 | Structure Change | Acquired Orange Savings Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | Structure Change | Acquired First Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2005 | Structure Change | Acquired The Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1989 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1987 | Structure Change | Acquired American National Bank of Abilene Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 15, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in TX, rank 14 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,186 applications, 3,784 loans originated, $1.03B originated, across 20 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $11.5M approved, $888K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Financial Bank
What are First Financial Bank's total assets?
As of the Q2 2026 filing, First Financial Bank reported total assets of $15.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Financial Bank headquartered?
First Financial Bank is headquartered in Abilene, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Financial Bank founded?
First Financial Bank was established in 1889, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. First Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #3066). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Financial Bank?
First Financial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Financial Bank's CET1 capital ratio?
First Financial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Financial Bank operate?
First Financial Bank operates 83 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Financial Bank's Texas Ratio?
First Financial Bank's Texas Ratio is 4.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Financial Bank previously called?
The charter now named First Financial Bank has also operated as First Financial Bank, National Association (2005-2024), First National Bank of Abilene (1957-2005), per FDIC structure-change records.
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