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Dec 31, 2025
First Financial Q4 2025 Earnings Report
First Financial Bankshares reported strong Q4 2025 earnings with record net income and continued growth in deposits and net interest income.
Key Takeaways
First Financial Bankshares achieved a record Q4 net income of $73.31 million, driven by increased net interest income and strong deposit growth. The bank also recorded a reversal in credit loss provisions, further boosting quarterly profits.
Record net income of $73.31 million for Q4 2025, up from $62.32 million a year ago.
Net interest income increased to $131.37 million, reflecting growth in earning assets.
Deposits and repurchase agreements grew by over $1.25 billion year-over-year.
The bank reversed $2.49 million in credit loss provisions, supporting earnings growth.
Revenue by Segment
Forward Guidance
The company aims to grow loans and securities in 2026, leveraging its strong deposit base while managing rate and regulatory headwinds.
Positive Outlook
- Strong deposit growth in Q4 2025 positions the bank for future asset growth.
- Continued focus on sound lending practices into 2026.
- Improved net interest income supports future profitability.
- Organic balance sheet growth of nearly $1.5 billion over 2025.
- Improved market value of assets under management in trust services.
Challenges Ahead
- Changing interest rate environment poses challenges.
- Regulatory landscape may affect operational flexibility.
- Rising software and operational expenses observed in Q4.
- Unrealized losses on the bond portfolio remain high despite improvement.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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