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First Financial Bankshares (FFIN)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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First Financial Bankshares Balance Sheet 2025-2007 | FFIN
Brief overview of First Financial Bankshares's assets and capital
The review uses the five latest available annual reports between 2020 and 2025.
The balance sheet expanded from $10.9 billion to $15.4 billion. Growth of +41.7% and CAGR of 7.2% look measured and sustainable.
Assets and liabilities changed at similar rates, +41.7% and +46.6%. The funding mix did not shift sharply.
Given the financial profile, the capital cushion is the main focus. It covers 12.4% of assets versus 15.4% five periods ago.
Retained earnings reached $1.5 billion, changing +77.6% over the period. A positive accumulated result supports equity.
Overall picture
First Financial Bankshares retains a reasonably healthy balance sheet structure, which still needs support from earnings and cash flow.
Annual Balance Sheet First Financial Bankshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | -299 M | 3.52 B | 2.96 B | 3.04 B | 2.68 B | 2.76 B | 105 M | 223 M | -136 M | -104 M | - | - | - | - |
Long Term Debt |
- | - | - | - | - | 430 M | 381 M | 55 M | 331 M | 75 M | 299 M | - | - | - | - | - | - | - | - |
Total Liabilities |
13.5 B | 12.4 B | 11.6 B | 11.7 B | 11.3 B | 9.23 B | 7.04 B | 6.68 B | 6.33 B | 5.97 B | 5.86 B | 5.17 B | 4.63 B | 3.95 B | 3.61 B | 3.33 B | 2.86 B | - | - |
Retained Earnings |
1.49 B | 1.34 B | 1.22 B | 1.12 B | 982 M | 466 K | 708 M | 607 M | 517 M | 447 M | 388 M | 328 M | 274 M | 228 M | 185 M | 146 M | 115 M | - | - |
Total Assets |
15.4 B | 14 B | 13.1 B | 13 B | 13.1 B | 10.9 B | 8.26 B | 7.73 B | 7.25 B | 6.81 B | 6.67 B | 5.85 B | 5.22 B | 4.5 B | 4.12 B | 3.78 B | 3.28 B | - | - |
Cash and Cash Equivalents |
1.08 B | 763 M | 537 M | 331 M | - | 729 M | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
1.92 B | 1.61 B | 1.5 B | 1.27 B | 1.76 B | 1.68 B | 1.23 B | 1.05 B | 923 M | 838 M | 805 M | 682 M | 588 M | 557 M | 509 M | 442 M | 416 M | - | - |
Total Shareholders Equity |
1.92 B | 1.61 B | 1.5 B | 1.27 B | 1.76 B | 1.68 B | 1.23 B | 1.05 B | 923 M | 838 M | 805 M | 682 M | 588 M | 557 M | 509 M | 442 M | 416 M | 369 M | 335 M |
Annual performance
Select metrics to display
All numbers in USD currency
Quarterly Balance Sheet First Financial Bankshares
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q4 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
13.3 B | 13.3 B | 13.4 B | 13.5 B | 13 B | 12.6 B | 12.6 B | 12.4 B | 11.9 B | 11.6 B | 11.7 B | 11.6 B | 11.5 B | 11.5 B | 11.6 B | 11.7 B | 12 B | 11.9 B | 11.8 B | 11.3 B | 10.8 B | 10.6 B | 10.4 B | 9.23 B | 9.23 B | 9.23 B | 9.23 B | 7.04 B | 7.04 B | 7.04 B | 6.84 B | 6.68 B | 6.68 B | 6.68 B | 6.68 B | 6.33 B | 6.33 B | 6.33 B | 6.33 B | 5.97 B | 5.97 B | 5.97 B | 5.97 B | 5.86 B | 5.86 B | 5.86 B | 5.86 B | 5.17 B | 5.17 B | 5.17 B | 5.17 B | 4.63 B | 4.63 B | 4.63 B | 4.63 B | 3.95 B | 3.95 B | 3.95 B | 3.95 B | 3.61 B | 3.61 B | 3.61 B | 3.61 B | 3.33 B | 3 B | 2.9 B |
Retained Earnings |
1.61 B | 1.57 B | 1.53 B | 1.49 B | 1.44 B | 1.42 B | 1.38 B | 1.34 B | 1.3 B | 1.27 B | 1.25 B | 1.22 B | 1.2 B | 1.18 B | 1.15 B | 1.12 B | 1.09 B | 1.05 B | 1.02 B | 982 M | 948 M | 910 M | 875 M | 837 M | 837 M | 837 M | 837 M | 708 M | 708 M | 708 M | 630 M | 607 M | 607 M | 607 M | 607 M | 517 M | 517 M | 517 M | 517 M | 447 M | 447 M | 447 M | 447 M | 388 M | 388 M | 388 M | 388 M | 328 M | 328 M | 328 M | 328 M | 274 M | 274 M | 274 M | 274 M | 228 M | 228 M | 228 M | 228 M | 185 M | 185 M | 185 M | 185 M | 146 M | 138 M | 129 M |
Total Assets |
15.2 B | 15.3 B | 15.4 B | 15.4 B | 14.8 B | 14.4 B | 14.3 B | 14 B | 13.6 B | 13.2 B | 13.2 B | 13.1 B | 12.8 B | 12.8 B | 13 B | 13 B | 13.1 B | 13.3 B | 13.3 B | 13.1 B | 12.5 B | 12.3 B | 12.1 B | 10.9 B | 10.9 B | 10.9 B | 10.9 B | 8.26 B | 8.26 B | 8.26 B | 7.95 B | 7.73 B | 7.73 B | 7.73 B | 7.73 B | 7.25 B | 7.25 B | 7.25 B | 7.25 B | 6.81 B | 6.81 B | 6.81 B | 6.81 B | 6.67 B | 6.67 B | 6.67 B | 6.67 B | 5.85 B | 5.85 B | 5.85 B | 5.85 B | 5.22 B | 5.22 B | 5.22 B | 5.22 B | 4.5 B | 4.5 B | 4.5 B | 4.5 B | 4.12 B | 4.12 B | 4.12 B | 4.12 B | 3.78 B | 3.45 B | 3.34 B |
Cash and Cash Equivalents |
474 M | 580 M | 737 M | 1.08 B | 651 M | 708 M | 927 M | 763 M | 584 M | 369 M | 600 M | 537 M | 388 M | 279 M | 446 M | 331 M | 366 M | 466 M | 598 M | 529 M | 561 M | - | - | 729 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
1.83 B | 2 B | 1.94 B | 1.92 B | 1.83 B | 1.74 B | 1.68 B | 1.61 B | 1.66 B | 1.52 B | 1.49 B | 1.5 B | 1.24 B | 1.37 B | 1.37 B | 1.27 B | 1.13 B | 1.33 B | 1.49 B | 1.76 B | 1.73 B | 1.72 B | 1.67 B | 1.68 B | 1.68 B | 1.68 B | 1.68 B | 1.23 B | 1.23 B | 1.23 B | 1.11 B | 1.05 B | 1.05 B | 1.05 B | 1.05 B | 923 M | 923 M | 923 M | 923 M | 838 M | 838 M | 838 M | 838 M | 805 M | 805 M | 805 M | 805 M | 682 M | 682 M | 682 M | 682 M | 588 M | 588 M | 588 M | 588 M | 557 M | 557 M | 557 M | 557 M | 509 M | 509 M | 509 M | 509 M | 442 M | 451 M | 431 M |
Total Shareholders Equity |
1.83 B | 2 B | 1.94 B | 1.92 B | 1.83 B | 1.74 B | 1.68 B | 1.61 B | 1.66 B | 1.52 B | 1.49 B | 1.5 B | 1.24 B | 1.37 B | 1.37 B | 1.27 B | 1.13 B | 1.33 B | 1.49 B | 1.76 B | 1.73 B | 1.72 B | 1.67 B | 1.68 B | 1.68 B | 1.68 B | 1.68 B | 1.23 B | 1.23 B | 1.23 B | 1.11 B | 1.05 B | 1.05 B | 1.05 B | 1.05 B | 923 M | 923 M | 923 M | 923 M | 838 M | 838 M | 838 M | 838 M | 805 M | 805 M | 805 M | 805 M | 682 M | 682 M | 682 M | 682 M | 588 M | 588 M | 588 M | 588 M | 557 M | 557 M | 557 M | 557 M | 509 M | 509 M | 509 M | 509 M | 442 M | 451 M | 431 M |
Quarterly performance
Select metrics to display
All numbers in USD currency
Balance Sheet is a fundamental financial report of First Financial Bankshares, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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