---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-304202"
form_type: "8-K"
ticker: "FFIN"
cik: "0000036029"
company_name: "FIRST FINANCIAL BANKSHARES INC"
filed_at: "2021-10-21T23:59:59+00:00"
generated_at: "2026-06-28T19:21:12.663567+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Bankshares Q3 2021 net income $58.93M, EPS $0.41 vs $0.37 YoY

## Summary
- Net income $58.93M, diluted EPS $0.41; vs $52.86M and $0.37 in Q3 2020.
- Net interest income $95.78M (up 7.4% YoY); NIM 3.41% vs 3.75%.
- No provision for credit losses vs $9M in Q3 2020; net recoveries $1.23M.
- Loans excl. PPP grew $557.21M (12.14%) YoY; total loans flat at $5.29B.
- Nonperforming assets improved to 0.48% of loans from 0.81% YoY.

## SEC filing metadata
- accession: 0001193125-21-304202
- form_type: 8-K
- ticker: FFIN
- cik: 0000036029
- company_name: FIRST FINANCIAL BANKSHARES INC
- filed_at: 2021-10-21T23:59:59+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/36029/000119312521304202/0001193125-21-304202-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36029/000119312521304202/d231145d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-304202
- JSON: https://secwatch.observer/filing/0001193125-21-304202.json
- Plain text: https://secwatch.observer/filing/0001193125-21-304202.txt

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