First Financial Bank

What First Financial Bank does

First Financial Bank operates through its holding company First Financial Bankshares, Inc. (NASDAQ: FFIN), a Texas-based community bank founded in 1890 in Abilene and headquartered there today. The bank provides full-service personal, commercial, and wealth management banking through 79 branches organized into 8 Texas regions, 9 dedicated trust offices, and digital channels, holding $15.45 billion in total assets as of December 31, 2025 and serving individual consumers, small-to-medium businesses, mid-to-large commercial borrowers, agricultural operators, and high-net-worth families across the state. FDIC-insured deposits anchor a relationship-driven GTM supported by dedicated commercial relationship managers, workplace banking ("First @ Work"), and a long-tenured branch presence.

The core product set spans deposit accounts (Premier, WOW!, Heritage, Interest, Free with eStatement, Business 500, Business Interest Checking, Money Market, Savings variants), lending products (mortgages including FHA/VA/USDA, auto, recreational, home equity, SBA 7(a)/504, commercial real estate, agricultural, oil and gas), and treasury management (Payment Manager, Positive Pay, ACH Filter/Blocks, merchant services, a Retail Finance Program originating interest-free consumer loans through dealers, and a Small Business Toolkit). Digital delivery runs on Q2 Financial's platform with Entersekt authentication, complemented by iOS/Android mobile apps supporting Zelle, mobile deposit, biometric login, Apple/Google/Samsung Pay, SavvyMoney credit scoring, and QuickBooks/Xero-integrated CheckSync fraud controls. Wealth management is delivered through the wholly owned subsidiary First Financial Trust & Asset Management Company, offering investment management, trust and estate administration, oil and gas lease management, real estate and property management, and corporate retirement plan services (401(k), ESOP/KSOP).

Revenue is generated primarily through net interest income (Q1 2026 NII of $134.79 million on a 3.86% net interest margin, up from 3.74% a year earlier), supplemented by non-interest income from account and transaction fees, merchant card processing fees, wealth management fees, and Retail Finance Program partner economics. Customer acquisition is community-led through branch presence, complemented by SEO, content marketing (financial education articles, monthly market updates), YouTube testimonials, social media, Texas Bankers Association partnerships, and First @ Work employer relationships. The bank has been recognized as a top-10 U.S. bank by Bank Director Magazine for 14 consecutive years and ranked #5 nationally by S&P Global Market Intelligence in 2025.

Name

First Financial Bank

Legal name

First Financial Bankshares, Inc.

Website

https://ffin.com

Company type

Public

Founded year

1890

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

First Financial Bank is a Texas community bank operating 79 branches across 8 regions, delivering personal banking, commercial and SBA lending, treasury management, merchant services, and wealth management to consumers, businesses, and high-net-worth families across Texas since 1890.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial lending solutions
• Wealth management trust
• Mortgage lending products
• Treasury management services

Headquarters

HQ city

Abilene

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Net Interest Income: Primary revenue stream from interest earned on loans (mortgages, commercial loans, auto loans, personal loans) and securities, minus interest paid on deposits. For Q1 2026, net interest income was $134.79 million.
2. Banking Fees and Service Charges: Fees from checking account maintenance, ATM usage, wire transfers, overdraft protection, and other banking services. Various account tiers have different fee structures.
3. Wealth Management and Trust Services: Revenue from investment management, trust management, estate administration, and employee benefits services across nine trust office locations in Texas.
4. Merchant Services: Credit card processing fees from business customers utilizing the bank's payment processing solutions for VISA, MasterCard, Discover, and American Express transactions.
5. Retail Finance Program: Interest-free financing offered to consumers through retail partners, generating fee income from merchant partnerships.
6. Dividend Income: The company has maintained dividend payments for 34 consecutive years, with Q2 2026 dividend increased to $0.22 per share.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels9 records

Core offering

First Financial Bank is a Texas-based community bank offering personal and business deposit accounts (checking, savings, CDs, IRAs), consumer and commercial lending (auto, mortgage, home equity, SBA, commercial loans, rural land loans), treasury management and merchant services for businesses, and fiduciary wealth management services through First Financial Trust. Distribution is via 79 branch locations across 8 Texas regions, complemented by a Q2-powered mobile and online banking platform, supported by FDIC-insured deposits.

Product overview

First Financial Bank operates as a regional community bank offering a comprehensive suite of banking and wealth management products across Texas. The company's core banking products include personal and business checking accounts (Premier Checking, WOW! Checking, Heritage Checking, and Business Checking variants), savings accounts (including Kid's Savings and Health Savings Accounts), Certificates of Deposit, and IRAs (Traditional and Roth). Lending offerings span personal loans, auto loans, recreational loans, home mortgages (First Financial Mortgage with FHA, VA, USDA, and conventional options), home equity products, commercial loans, SBA programs, and retail finance. Digital banking is delivered through Business Online Banking and the First Financial Mobile App, with treasury management services including Payment Manager, Positive Pay, and ACH Filter/Blocks. Wealth management is provided through First Financial Trust, offering investment management, trust management, estate planning, oil and gas lease management, and real estate management services, along with employee benefits administration for businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts
• Personal Savings Accounts
• Health Savings Account (HSA)
• Certificates of Deposit (CDs)
• Individual Retirement Accounts (Traditional and Roth IRA)
• Auto Loans
• Recreational Loans
• First Financial Mortgage
• Affordable Home Mortgage Program
• Home Equity Loans & Lines of Credit
• Personal Loans & Lines of Credit
• Credit Cards
• Business Checking Accounts
• Business Savings
• Commercial Loans & Lines of Credit
• SBA Loan Programs
• Rural Land Loans
• Treasury Management
• Merchant Services
• Payment Manager / Positive Pay / ACH Filter & Blocks
• Retail Finance Program
• First @ Work
• Business Online Banking
• First Financial Mobile App and Online Banking
• Employee Benefits (Retirement Plan Services)
• Investment Management
• Trust Management
• Estate Management
• Oil & Gas Lease Management
• Real Estate & Property Management

Quantifiable outcome

• Ranked #5 top-performing public bank in the United States by S&P Global Market Intelligence in 2025 among banks with over $10 billion in assets
• +4 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Raymond JamescoreGTM or Marketing PartnerRaymond James serves as the investment advisor partner for First Financial Bank's wealth management and investment services, providing investment products and management capabilities to bank customers through the partnership.
• EntersektcoreTechnology or IntegrationEntersekt provides advanced multi-factor authentication for First Financial's digital banking platform, enhancing security through their financial authentication technology partnership.
• Early Warning Services (Zelle)coreTechnology or IntegrationFirst Financial Bank integrates Zelle for real-time peer-to-peer payment services, allowing customers to send money to family and friends directly from their bank accounts.
• Apple PaycoreTechnology or IntegrationDigital wallet integration allowing customers to add First Financial debit cards to Apple Pay for secure contactless payments.
• Google PaycoreTechnology or IntegrationDigital wallet integration allowing customers to add First Financial debit cards to Google Pay for secure contactless payments.
• QuickBooks OnlinecoreTechnology or IntegrationCheckSync integration allowing QuickBooks Online users to automatically transmit check issue data directly to First Financial's Positive Pay fraud prevention system.
• XerocoreTechnology or IntegrationCheckSync integration allowing Xero users to automatically transmit check issue data directly to First Financial's Positive Pay fraud prevention system.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services provides credit card issuing and processing services for First Financial Bank's credit card portfolio, including zero fraud liability protection.
• Q2 FinancialcoreTechnology or IntegrationQ2 Financial provides the digital banking platform powering First Financial's online and mobile banking services.
• Small Business Administration (SBA)coreStrategic or Co-development PartnerFirst Financial Bank participates in SBA lending programs including SBA 7(a) and SBA 504 loans to support small business financing for acquisitions, equipment, real estate, and working capital.
• Texas Bankers AssociationminorStrategic or Co-development PartnerFirst Financial Bank participates in the Texas Bankers Association's Statewide Day of Service, demonstrating community engagement and banking industry leadership in Texas.
• VisacoreTechnology or IntegrationCredit and debit card processing network for First Financial's card portfolio including traditional terminals, mobile solutions, and virtual terminal options.
• MastercardcoreTechnology or IntegrationCredit and debit card processing network for First Financial's card portfolio including traditional terminals, mobile solutions, and virtual terminal options.
• American ExpresscoreTechnology or IntegrationCredit card processing accepting American Express transactions through First Financial's merchant services for business customers.
• DiscovercoreTechnology or IntegrationCredit card processing accepting Discover transactions through First Financial's merchant services for business customers.

Scale indicators16 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• Glacier Bancorp: Multi-state community banking holding company with strong commercial and retail banking franchise. Comparable on community-bank acquisition strategy, geographic roll-up, and SMB/commercial banking focus.
• United Community Banks: Southeast-focused regional bank with community banking model, commercial lending, and wealth management. Comparable in branch-based community banking model and SBA/commercial lending programs.
• Cadence Bank: Mid-sized regional bank with full-service commercial, retail, and wealth management offerings across the South and Texas. Larger-scale incumbent with overlapping Texas commercial banking and wealth management presence.
• TowneBank: Virginia-based community bank with retail, commercial, and wealth management services. Comparable on community banking model, relationship-driven commercial lending, and SBA programs.
• Simmons First National: Arkansas-headquartered regional bank with community banking, commercial lending, and wealth management. Comparable business mix and similar community-bank acquisition strategy across multiple states.

Regional players

• BancorpSouth (now Cadence Bank): Regional community bank (legacy BancorpSouth) with comparable retail/commercial banking, wealth management, and Texas presence through acquired branches. Useful precedent for Texas community bank consolidation plays.

Direct peers

• Independent Bank Group: Texas-based community bank with retail and commercial banking operations across Texas and other states. Directly comparable in Texas retail deposit competition, commercial real estate lending, and community banking GTM.
• Texas Capital Bancshares: Texas-headquartered commercial bank focused on middle-market lending, treasury management, and high-net-worth banking. Comparable on Texas commercial banking, treasury management solutions, and serving SMB/middle-market customers.
• Cullen/Frost Bankers: San Antonio-headquartered Texas regional bank with ~$50B+ in assets offering retail, commercial, and wealth management services across Texas. Direct competitor for commercial and retail deposits, middle-market lending, and treasury management in shared Texas geographies.
• Prosperity Bancshares: Houston-based Texas community bank with comparable branch banking model, SMB and middle-market commercial lending focus, and similar geographic concentration in Texas. Closest direct comparable in size, business mix, and acquisition-driven growth strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/first_financial
• YouTubeyoutube.com/channel/UClv1Uz68Lz8quvq1Um_cb1g
• Facebookfacebook.com/firstfinancialbankna
• LinkedInlinkedin.com/company/first-financial-bankshares-inc-

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Financial Bank