{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-007551","form_type":"8-K","ticker":"FFIN","cik":"0000036029","company_name":"FIRST FINANCIAL BANKSHARES INC","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.594142+00:00","generated_at":"2026-06-06T16:48:49.243983+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FFIN Q4 net income $45.98M, EPS $0.32 (vs $0.41); NIM 3.33% from 3.47%","bullets":["Net income $45.98M vs $58.67M in Q4 2022; EPS $0.32 vs $0.41, down 22%.","Net interest income $97.51M vs $104.04M; NIM 3.33% vs 3.47% YoY; no provision for credit losses in Q4.","Sold $90.72M of low-yield securities, incurring $6.21M loss; redeployed into loans yielding ~8%.","Loans grew $154.1M in Q4 (8.81% annualized), $706.9M YoY (10.97%); deposits flat at $11.14B.","Noninterest expense $63.47M vs $57.78M; includes $1.75M FDIC special assessment; FY effic. ratio 47.26%."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-007551","json":"https://secwatch.observer/filing/0000950170-24-007551.json","markdown":"https://secwatch.observer/filing/0000950170-24-007551.md","text":"https://secwatch.observer/filing/0000950170-24-007551.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36029/000095017024007551/0000950170-24-007551-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36029/000095017024007551/ffin-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:48:49.243983+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":"133da2d9f6b972549e53baa13a0b76273525dce5","claim":"FIRST FINANCIAL BANKSHARES INC reported the fourth quarter of 2023 results: net income $45.98 million, EPS $0.32.","evidence_excerpt":"First Financial Bankshares, Inc. (the “Company,” “we,” “us” or “our”) (NASDAQ: FFIN) today reported earnings of $45.98 million for the fourth quarter of 2023 compared to earnings of $58.67 million for the same quarter a year ago. Basic and diluted earnings per share were $0.32 for the fourth quarter of 2023 compared with $0.41 for the same quarter a year ago.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36029/000095017024007551/0000950170-24-007551-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2023"},{"label":"Net income","value":"$45.98 million"},{"label":"EPS","value":"$0.32"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"52e8f315170857d22307e65a41b970f6dd287c3f","claim":"FIRST FINANCIAL BANKSHARES INC reported the year ended December 31, 2023 results: net income $198.98 million, EPS $1.39.","evidence_excerpt":"Net earnings for the year ended December 31, 2023, totaled $198.98 million compared to $234.48 million for the year ended December 31, 2022. Basic and diluted earnings per share were $1.39 for the year ended December 31, 2023, compared with basic and diluted earnings per share of $1.64 for the year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36029/000095017024007551/0000950170-24-007551-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$198.98 million"},{"label":"EPS","value":"$1.39"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}