---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-084684"
form_type: "8-K"
ticker: "FFIN"
cik: "0000036029"
company_name: "FIRST FINANCIAL BANKSHARES INC"
filed_at: "2024-07-19T23:59:59+00:00"
generated_at: "2026-05-31T19:18:57.579020+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Financial Q2 2024 EPS $0.37 vs $0.36 YoY; net interest margin expands to 3.48%

## Summary
- Net income $52.49M ($0.37 diluted EPS), vs $50.87M ($0.36) in Q2 2023.
- Net interest income $103.27M, up 7.7% YoY; NIM (taxable-equivalent) rose to 3.48% from 3.29%.
- Loans grew $290M (16.15% annualized) during Q2; total loans $7.52B.
- Nonperforming assets as % of loans + foreclosed assets rose to 0.81% from 0.43% YoY due to one CRE loan.
- Efficiency ratio 47.41% vs 44.74% YoY; noninterest expense increased to $65.01M from $57.61M.

## SEC filing metadata
- accession: 0000950170-24-084684
- form_type: 8-K
- ticker: FFIN
- cik: 0000036029
- company_name: FIRST FINANCIAL BANKSHARES INC
- filed_at: 2024-07-19T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36029/000095017024084684/0000950170-24-084684-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36029/000095017024084684/ffin-20240718.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-084684
- JSON: https://secwatch.observer/filing/0000950170-24-084684.json
- Plain text: https://secwatch.observer/filing/0000950170-24-084684.txt

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