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First Financial Bank
Abilene, TX·FDIC Cert #3066·Charter: STATE·Est. 18890101.0·HC: FIRST FINANCIAL BANKSHARES INC
Total Assets
$15.4B
Q4 2025
Return on Assets
1.64%
+0.06%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.67%
Peer avg: 54.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
69
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.64%+0.06
ROE
14.90%+0.44
Efficiency
45.67%+1.16
Equity/Assets
0.00%+0.00
NPL Ratio
0.69%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
59.88%-2.97
Charge-offs
0.29%-0.09
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.5 | 1.5 | 1.6 | 1.6 | 1.7 | 1.6 | 1.6 |
| ROE | 15.0 | 14.7 | 14.4 | 14.8 | 15.3 | 15.6 | 14.5 | 14.9 |
| Efficiency | 48.0 | 47.5 | 47.2 | 46.9 | 45.5 | 44.8 | 44.5 | 45.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.7 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | 0.3 |
| Loan/Deposit | 62.6 | 64.6 | 64.3 | 64.0 | 62.5 | 63.7 | 62.8 | 59.9 |
Balance Sheet
Total Assets$15.4B
Total Deposits$13.5B
Total Loans$8.1B
Total Equity$1.7B
Profitability
ROA1.64%
ROE14.90%
Efficiency Ratio45.67%
Net Income$238.0M
Risk & Asset Quality
NPL Ratio0.69%
Charge-off Rate0.29%
Loan/Deposit59.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans