---
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"
generated_at: "2026-05-30T13:28:31.398628+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Financial Bankshares Q3 net income $55.3M, EPS $0.39 vs $0.35 YoY; loans grow 10.8% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-115387
- JSON: https://secwatch.observer/filing/0000950170-24-115387.json
- Plain text: https://secwatch.observer/filing/0000950170-24-115387.txt

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