{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-115387","form_type":"8-K","ticker":"FFIN","cik":"0000036029","company_name":"FIRST FINANCIAL BANKSHARES INC","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.730465+00:00","generated_at":"2026-05-30T13:28:31.398628+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Financial Bankshares Q3 net income $55.3M, EPS $0.39 vs $0.35 YoY; loans grow 10.8% annualized","bullets":["GAAP diluted EPS $0.39 vs $0.35 a year ago; net income up 11.6% to $55.3M from $49.6M.","Net interest income $107.1M (+13.8% YoY); NIM improved to 3.50% from 3.22%; average earning assets $12.48B.","Loans $7.72B, up $203M (10.8% annualized) from Q2; deposits & repos $11.81B, up $265M (9.1% annualized).","Provision for credit losses $6.12M vs $2.28M YoY; NPA ratio 0.83% vs 0.57% YoY; classified loans $229.9M.","Efficiency ratio improved to 46.45% from 47.62% YoY; trust fee income grew 16.4% to $11.66M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-115387","json":"https://secwatch.observer/filing/0000950170-24-115387.json","markdown":"https://secwatch.observer/filing/0000950170-24-115387.md","text":"https://secwatch.observer/filing/0000950170-24-115387.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36029/000095017024115387/0000950170-24-115387-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36029/000095017024115387/ffin-20241017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:28:31.398628+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}