---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-055568"
form_type: "8-K"
ticker: "FFIN"
cik: "0000036029"
company_name: "FIRST FINANCIAL BANKSHARES INC"
filed_at: "2025-04-17T23:59:59+00:00"
generated_at: "2026-05-23T12:32:06.668264+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# First Financial Q1 net income $61.4M, EPS $0.43 beats prior-year $0.37

## Summary
- Net income $61.35M vs $53.40M Q1 2024; diluted EPS $0.43 vs $0.37.
- Net interest margin expanded to 3.74% from 3.34% YoY; NII $118.8M vs $100.2M.
- Loans grew to $7.95B (+1.67% annualized QoQ); deposits +$362.8M QoQ.
- Provision for credit losses $3.53M vs $808K; NPAs/loans + foreclosed 0.78% vs 0.51%.
- Efficiency ratio improved to 46.36% from 48.37% a year ago.

## SEC filing metadata
- accession: 0000950170-25-055568
- form_type: 8-K
- ticker: FFIN
- cik: 0000036029
- company_name: FIRST FINANCIAL BANKSHARES INC
- filed_at: 2025-04-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36029/000095017025055568/0000950170-25-055568-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36029/000095017025055568/ffin-20250417.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-055568
- JSON: https://secwatch.observer/filing/0000950170-25-055568.json
- Plain text: https://secwatch.observer/filing/0000950170-25-055568.txt

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