---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-223027"
form_type: "8-K"
ticker: "FFIN"
cik: "0000036029"
company_name: "FIRST FINANCIAL BANKSHARES INC"
filed_at: "2021-07-23T23:59:59+00:00"
generated_at: "2026-06-30T03:03:54.702418+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Q2 2021 net income $56.38M ($0.40 EPS); loan growth ex-PPP $193.5M

## Summary
- Diluted EPS $0.40 vs $0.38 YoY; net income $56.38M up from $53.47M.
- Net interest margin 3.36% vs 3.78%; negative provision for credit losses of $1.21M vs $8.70M provision in Q2 2020.
- Nonperforming assets ratio improved to 0.57% from 0.76%; net recoveries of $203K vs net charge-offs of $193K.
- Organic loan growth ex-PPP of $193.5M in Q2 and $296.8M YTD; deposits up $1.11B YTD.
- Trust fees rose to $8.69M; mortgage income fell to $8.29M on lower pipeline volumes.

## SEC filing metadata
- accession: 0001193125-21-223027
- form_type: 8-K
- ticker: FFIN
- cik: 0000036029
- company_name: FIRST FINANCIAL BANKSHARES INC
- filed_at: 2021-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36029/000119312521223027/0001193125-21-223027-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36029/000119312521223027/d166331d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-223027
- JSON: https://secwatch.observer/filing/0001193125-21-223027.json
- Plain text: https://secwatch.observer/filing/0001193125-21-223027.txt

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