---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-045667"
form_type: "8-K"
ticker: "FFIN"
cik: "0000036029"
company_name: "FIRST FINANCIAL BANKSHARES INC"
filed_at: "2024-04-19T23:59:59+00:00"
generated_at: "2026-06-03T17:13:26.265118+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Financial Bankshares Q1 net income $53.4M, EPS $0.37 flat YoY; loan growth 4.5% annualized

## Summary
- Net income $53.40M vs $52.57M YoY; diluted EPS $0.37 unchanged.
- Net interest income $100.24M (+4.1% YoY); NIM stable at 3.34%.
- Loans grew $80.6M (4.51% annualized) to $7.23B; deposits $11.29B.
- Provision for credit losses decreased to $808K from $2.78M YoY.
- Efficiency ratio worsened to 48.37% from 44.93% YoY on higher salary costs.

## SEC filing metadata
- accession: 0000950170-24-045667
- form_type: 8-K
- ticker: FFIN
- cik: 0000036029
- company_name: FIRST FINANCIAL BANKSHARES INC
- filed_at: 2024-04-19T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36029/000095017024045667/0000950170-24-045667-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36029/000095017024045667/ffin-20240418.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-045667
- JSON: https://secwatch.observer/filing/0000950170-24-045667.json
- Plain text: https://secwatch.observer/filing/0000950170-24-045667.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL BANKSHARES INC reported first quarter of 2024 results: net income $53.40 million, EPS $0.37.
  - Period: first quarter of 2024
  - Net income: $53.40 million
  - EPS: $0.37
  - Result: reported results
  source text: First Financial Bankshares, Inc. (the “Company,” “we,” “us” or “our”) (NASDAQ: FFIN) today reported earnings for the first quarter of 2024 of $53.40 million compared to earnings of $52.57 million for the same quarter a year ago. Basic and diluted earnings per share were $0.37 for both quarters ended March 31, 2024 and 2023, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/36029/000095017024045667/0000950170-24-045667-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.