First Financial Bankshares, Inc. filed its Form 10-Q with the SEC on November 5, 2026, covering the quarterly period ended September 30, 2026, reporting third-quarter net earnings of $74,308 thousand and nine-month net earnings of $217,745 thousand.

Key Highlights

  • Third-quarter net earnings: $74,308 thousand, up from $52,267 thousand in the same quarter of 2025, according to the filing.
  • Diluted EPS: $0.52 per share for Q3 2026, compared to $0.36 per share for Q3 2025, as reported in the filing.
  • Net interest income: $138,507 thousand for the three months ended September 30, 2026, versus $127,001 thousand in the prior-year period.
  • Provision for credit losses: $2,034 thousand for Q3 2026, a substantial decrease from $24,435 thousand in Q3 2025, the filing disclosed.
  • Total assets: $15,162,867 thousand at September 30, 2026, down from $15,446,476 thousand at December 31, 2025.
  • Accumulated other comprehensive loss: $(489,552) thousand at September 30, 2026, compared to $(269,940) thousand at December 31, 2025, reflecting unrealized losses on available-for-sale securities.
  • Shares outstanding: 143,160,889 shares of common stock as of November 5, 2026, per the filing.

First Financial Bankshares Third-Quarter 2026 Financial Results

According to the 10-Q filed on NASDAQ:FFIN, First Financial Bankshares reported total interest income of $189,045 thousand for Q3 2026, up from $179,692 thousand in Q3 2025. Total interest expense declined to $50,538 thousand from $52,691 thousand in the year-ago quarter, resulting in net interest income of $138,507 thousand. The nine-month net interest income reached $410,212 thousand, compared to $369,520 thousand for the same period in 2025.

The filing disclosed that total noninterest income for the three months ended September 30, 2026 was $35,635 thousand, versus $34,264 thousand a year earlier. Wealth Management fees contributed $14,492 thousand in Q3 2026, up from $12,950 thousand in Q3 2025. Total noninterest expense rose to $81,052 thousand from $73,666 thousand in the prior-year quarter, with salaries, commissions and employee benefits representing the largest component at $47,809 thousand. Nine-month earnings before income taxes were $266,353 thousand, compared to $220,055 thousand through September 30, 2025.

On the balance sheet, net loans held-for-investment grew to $8,424,896 thousand at September 30, 2026, from $8,052,740 thousand at December 31, 2025. The allowance for credit losses stood at $113,892 thousand. Total deposits were $13,148,143 thousand, down from $13,345,529 thousand at year-end 2025. Total comprehensive loss for the nine months ended September 30, 2026 was $(1,867) thousand, driven by an after-tax unrealized loss of $(219,612) thousand on available-for-sale investment securities, as reported in the filing. Total shareholders' equity was $1,832,560 thousand at the end of the quarter.

What Was Disclosed

First Financial Bankshares disclosed its unaudited financial results for the three and nine months ended September 30, 2026, including income statement, balance sheet, and comprehensive earnings data, along with share count and per-share figures as of November 5, 2026.