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Jun 30
First Financial Q2 2025 Earnings Report
First Financial Bankshares reported solid earnings growth in Q2 2025 driven by higher net interest income, improved margins, and strong loan and deposit growth.
Key Takeaways
The company posted $66.66M in net income and $0.47 EPS for Q2 2025, supported by improved net interest margin, trust fee growth, and healthy loan expansion.
Net income rose to $66.66M on strong loan and deposit growth
Net interest margin improved to 3.81% from 3.48% last year
Trust fee income increased with higher trust assets under management
Efficiency ratio improved to 44.97% due to higher net interest income
First Financial
First Financial
First Financial Revenue by Segment
Revenue by Segment
Trust fees Revenue
CapyFin.comService charges Revenue
CapyFin.comDebit & credit card fees Revenue
CapyFin.comMortgage fees Revenue
CapyFin.comOther noninterest inc. Revenue
CapyFin.com Forward Guidance
The company expects continued loan and deposit growth, improved investment yields, and strong market positioning for the remainder of 2025.
Positive Outlook
- Healthy loan growth opportunities
- Focus on growing deposits in core markets
- Improving investment yields expected
- Strong trust revenue momentum
- Solid team execution driving earnings growth
Challenges Ahead
- Increased noninterest expenses driven by merit-based pay increases
- Higher software amortization costs
- Potential credit losses remain a risk
- Unrealized losses on securities portfolio remain high
- Economic conditions, including oil and gas prices, may impact growth