First Financial Bank (Abilene, TX)
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Data as of · sourced from FFIEC call reports. How we update
First Financial Bank is an FDIC-insured commercial bank headquartered in Abilene, TX, established in 1889 (FDIC certificate 3066), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $15.23B, up 6.4% from Q2 2025, the 7th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 18.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3066
- Headquarters
- Abilene, TX
- Established
- 1889
- Total assets, Q2 2026
- $15.23B
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 18.36%
- Domestic offices
- 83 FDIC institution directory, current count
- Routing number
- 111301122
- Latest call report
- Q2 2026, FFIEC 041 · First Financial Bank call report
- Holding company
- FIRST FINANCIAL BANKSHARES, INC.
- Asset rank in state
- 7th of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
First Financial Bank ranks as the 7th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $15.23B, loans rose 0.8% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.0% of total loans, followed by construction and land development loans at 14.2%. The FDIC Summary of Deposits lists 83 offices for it, in 59 cities in TX; its Abilene 12 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Financial Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 83 FDIC institution directory, current count
- 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 |
| Mcvey J. Kyle | CFO | EVP, CFO - Bank |
| 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Financial Bank's total assets ranged from $12.72B (Q3 2023) to $15.38B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$15.23B total assets against $14.32B; $13.44B total liabilities against $12.72B.
$8.26B net loans and leases against $8.01B; $13.30B total deposits against $12.57B.
$5.63B securities against $4.85B; $580.0M cash and balances due against $708.4M.
$185.6M total interest income against $172.5M; $49.1M total interest expense against $49.2M.
$136.4M net interest income against $123.3M.
$20.7M total noninterest income against $20.0M; $71.1M total noninterest expense against $63.4M.
$4.2M provision for credit losses against $3.1M.
$67.4M net income against $62.8M.
1.73% return on assets against 1.72%; 3.80% net interest margin against 3.66%.
18.36% CET1 capital ratio against 17.78%; 11.61% tier 1 leverage ratio against 11.72%.
Inside the full First Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Financial Bank rankings
Its closest position to the top of a national ranking is 124 of 4,196, for total assets; its furthest is 1,509 of 3,640, for Texas Ratio.
Metric pages for First Financial Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.32% (Q3 2025) to 1.80% (Q4 2025) and its net interest margin ran from 3.37% (Q3 2024) to 3.80% (Q2 2026).
| 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
View all 83 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 441 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Financial Bank headquartered?
It is headquartered in Abilene, TX, United States.
When was First Financial Bank founded?
It was established in 1889, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. It 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.
What is First Financial Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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