{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-000710","form_type":"8-K","ticker":"FFIN","cik":"0000036029","company_name":"FIRST FINANCIAL BANKSHARES INC","filed_at":"2023-01-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.639815+00:00","generated_at":"2026-06-20T16:15:40.218630+00:00","sec_items":["1.01","2.03","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"confidence":"high","headline":"First Financial amends loan agreement; adds 8.5% Tier 1 leverage ratio, removes tangible net worth covenant","bullets":["Fifth Amendment to $25M loan agreement with Frost Bank, effective Jan 6, 2023.","Replaced Capital Ratio covenant with a Tier 1 Leverage Ratio minimum of 8.5%.","Removed the $400M Tangible Net Worth covenant from the original agreement.","No changes to principal amount, interest rate, or maturity of the loan.","Amendment reflects updated regulatory capital metrics for the borrowing entity."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-000710","json":"https://secwatch.observer/filing/0000950170-23-000710.json","markdown":"https://secwatch.observer/filing/0000950170-23-000710.md","text":"https://secwatch.observer/filing/0000950170-23-000710.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36029/000095017023000710/0000950170-23-000710-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36029/000095017023000710/ffin-20230106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T16:15:40.218630+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6f0551efdad2ae97381640b10ed9bc81898ea8ec","claim":"FIRST FINANCIAL BANKSHARES INC amended Fifth Amendment with Frost Bank (effective 2023-01-06).","evidence_excerpt":"On January 6, 2023, First Financial Bankshares, Inc. (the “Company”) entered into a Fifth Amendment (the “Amendment”) to its Loan Agreement (the “Loan Agreement”) with Frost Bank.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36029/000095017023000710/0000950170-23-000710-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Frost Bank"},{"label":"Effective","value":"2023-01-06"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}