---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-023549"
form_type: "8-K"
ticker: "FFIN"
cik: "0000036029"
company_name: "FIRST FINANCIAL BANKSHARES INC"
filed_at: "2022-01-31T23:59:59+00:00"
generated_at: "2026-06-27T13:48:33.985073+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# First Financial Bankshares reports Q4 2021 earnings of $55.34M; full-year EPS $1.60

## Summary
- Fourth quarter 2021 net income $55.34M, down from $58.48M a year ago; earnings per share $0.39 vs $0.41
- Full-year 2021 net income $227.56M, up 12.64% from $202.03M in 2020; EPS $1.60 vs $1.42
- Loans excluding PPP grew $648.81M (13.84%) and deposits increased $1.89B (21.79%) from year-end 2020
- Nonperforming assets improved to 0.63% of loans and foreclosed assets from 0.83% a year ago
- Marks 35th consecutive year of annual earnings growth; assets reached $13.10B at Dec 31, 2021

## SEC filing metadata
- accession: 0001193125-22-023549
- form_type: 8-K
- ticker: FFIN
- cik: 0000036029
- company_name: FIRST FINANCIAL BANKSHARES INC
- filed_at: 2022-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36029/000119312522023549/0001193125-22-023549-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36029/000119312522023549/d305010d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-023549
- JSON: https://secwatch.observer/filing/0001193125-22-023549.json
- Plain text: https://secwatch.observer/filing/0001193125-22-023549.txt

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