First Financial Bank (Abilene, TX)
First Financial Bank (Abilene, TX) reported total assets of $15.2 bn at Q2 2026, up 6.4% on a year earlier, the 125th largest of 497 banks in our US coverage. The CET1 capital ratio at First Financial Bank (Abilene, TX) was 18.36%, and the uninsured share of First Financial Bank (Abilene, TX) was 44.70%. Source: FDIC Call Reports.
Key takeaways
- First Financial Bank (Abilene, TX) reports one of the lowest net charge-offs to average loans readings among banks of $10 bn to $100 bn: -0.01% at , where the median of the 126 banks is 0.14% (FDIC Call Reports).
- On noncurrent loans to total loans, First Financial Bank (Abilene, TX) climbed from 348th to 300th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- At 18.36%, the common equity tier 1 (CET1) ratio of First Financial Bank (Abilene, TX) sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 12.97% (FDIC Call Reports).
What sets First Financial Bank (Abilene, TX) apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower loan-to-deposit ratio than First Financial Bank (Abilene, TX), at 62.09% in ; the group median is 85.69%.
- Since , First Financial Bank (Abilene, TX) has taken over 2 institutions; the latest was The Bank & Trust of Bryan/College Station on .
How large is First Financial Bank (Abilene, TX)?
The balance sheet of First Financial Bank (Abilene, TX) at : assets $15.2 bn, deposits $13.3 bn, net loans $8.3 bn (loans equal to 62.09% of deposits). Securities make up 36.9% of total assets at First Financial Bank (Abilene, TX). Since , when First Financial Bank (Abilene, TX) held $6.5 bn, its assets grew 134.2%. In the year to , deposits at First Financial Bank (Abilene, TX) rose 5.8% while its total assets rose 6.4%. At , First Financial Bank (Abilene, TX) employed 1,529 full-time equivalent staff across 83 offices, about $10.0 mn of assets per employee and $160.2 mn of deposits per office.
How much funding at First Financial Bank (Abilene, TX) is uninsured?
At First Financial Bank (Abilene, TX), uninsured deposits (above the FDIC limit) made up 44.70% of domestic deposits at (-0.03 pp on a year earlier); First Financial Bank (Abilene, TX) ranks 143rd of 500 on this measure. In dollars, First Financial Bank (Abilene, TX) estimated $5.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $13.3 bn | +5.8% | 124th of 499 |
| Net loans and leases | $8.3 bn | +3.2% | 138th of 500 |
| Loan-to-deposit ratio | 62.09% | -1.58 pp | 452nd of 500 |
| Tier 1 leverage ratio | 11.61% | -0.11 pp | 116th of 500 |
| Total risk-based capital ratio | 19.59% | +0.61 pp | 42nd of 448 |
| Net interest margin | 3.79% | +0.12 pp | 204th of 500 |
| Return on assets (ROA) | 1.77% | +0.06 pp | 86th of 500 |
| Efficiency ratio | 44.83% | 0.00 pp | 82nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $352.6 mn | Narrowed by $118.2 mn | |
| Noncurrent loans to total loans | 0.77% | -0.01 pp | 300th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | -0.03 pp | 31st of 500 (1 = lowest) |
US rank of First Financial Bank (Abilene, TX): 1 = highest unless marked 1 = lowest.
Balance sheet
First Financial Bank (Abilene, TX): assets, deposits and loans
- Total assets $15.2bn
- Deposits $13.3bn
- Net loans $8.3bn
Capital and securities
The CET1 ratio of First Financial Bank (Abilene, TX) stood at 18.36% in , +0.58 pp year on year. Low and high at First Financial Bank (Abilene, TX) since : 14.02% () to 18.88% (). Equity capital of First Financial Bank (Abilene, TX) at : $1.8 bn, or 11.8% of total assets. First Financial Bank (Abilene, TX) also reported a total capital ratio of 19.59% for , and a tier 1 leverage ratio of 11.61%.
The available-for-sale portfolio of First Financial Bank (Abilene, TX) showed an unrealized loss of $352.6 mn at ; the loss narrowed by $118.2 mn over the year.
First Financial Bank (Abilene, TX): capital ratios
- Total capital 20%
- CET1 18%
- Tier 1 leverage 12%
First Financial Bank (Abilene, TX): unrealized securities gains and losses
- Available for sale -$353mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Financial Bank (Abilene, TX) earned a return on equity of 15.35%; return on assets: 1.77%. Net interest margin at First Financial Bank (Abilene, TX): 3.79%, +0.12 pp in a year. First Financial Bank (Abilene, TX) net income: $135.2 mn, up 12.2% year on year. The efficiency ratio of First Financial Bank (Abilene, TX) was 44.83%: about 45 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.77% of total loans at First Financial Bank (Abilene, TX); net charge-offs: -0.01% of average loans. Gross loans and leases at First Financial Bank (Abilene, TX): $8.4 bn, up 3.2% in a year.
First Financial Bank (Abilene, TX): profitability
- Return on equity 15%
- Net interest margin 3.8%
- Return on assets 1.8%
Peer group of First Financial Bank (Abilene, TX)
The peer group of First Financial Bank (Abilene, TX) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of First Financial Bank (Abilene, TX) (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Texas. Against them, First Financial Bank (Abilene, TX) shows CET1 ratio 18.36% against a peer median of 13.65%, return on equity 15.35% against a peer median of 8.52% and uninsured deposit share 44.70% against a peer median of 32.27%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Safra National Bank of New York | National bank | NY | $15.7 bn | 23.40% | 9.25% | 53.69% | |
| Sunflower Bank | National bank | TX | $15.7 bn | 12.98% | 2.63% | 31.30% | |
| Nicolet National Bank | National bank | WI | $15.4 bn | 11.08% | 8.08% | 33.24% | |
| First Financial Bank | State member bank | TX | $15.2 bn | 18.36% | 15.35% | 44.70% | |
| Bell Bank | State nonmember bank | ND | $15.2 bn | 11.33% | 9.53% | 25.29% | |
| Dime Commercial Bank | State member bank | NY | $15.0 bn | 14.76% | 8.95% | 49.27% | |
| Popular Bank | State member bank | NY | $15.0 bn | 14.32% | 6.92% | 31.20% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Financial Bank (Abilene, TX), to : assets +12.6%, deposits +11.9%, equity +18.5%. Staff 1,400 to 1,529.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $13.5 bn | $13.9 bn | $14.3 bn | $14.3 bn | $14.8 bn | $15.4 bn | $15.3 bn | $15.2 bn |
| Total deposits | $11.9 bn | $12.2 bn | $12.6 bn | $12.6 bn | $13.0 bn | $13.5 bn | $13.4 bn | $13.3 bn |
| Bank equity capital | $1.5 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.7 bn | $1.8 bn | $1.8 bn |
| CET1 ratio | 17.21% | 17.36% | 17.79% | 17.78% | 17.42% | 18.18% | 18.26% | 18.36% |
| Return on equity (ROE) | 14.39% | 14.83% | 15.28% | 15.64% | 14.46% | 14.90% | 15.53% | 15.35% |
| Uninsured share of domestic deposits | 44.98% | 45.74% | 45.85% | 44.73% | 43.75% | 45.43% | 44.59% | 44.70% |
| Full-time equivalent employees | 1,400 | 1,415 | 1,426 | 1,452 | 1,445 | 1,466 | 1,514 | 1,529 |
| Number of offices | 83 | 83 | 83 | 83 | 83 | 83 | 83 | 83 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Financial Bank (Abilene, TX), oldest first; figures before and after each event are not like for like.
- . Absorbed Commercial State Bank (FDIC certificate 2409).
- . Absorbed The Bank & Trust of Bryan/College Station (FDIC certificate 58249).
Questions and identifiers
What were the total assets of First Financial Bank (Abilene, TX)?
First Financial Bank (Abilene, TX) reported $15.2 bn at in its Call Report. That makes First Financial Bank (Abilene, TX) the 125th largest of 497 banks in our US coverage.
Is First Financial Bank (Abilene, TX) the same as its holding company?
No. This page covers First Financial Bank (Abilene, TX), FDIC certificate 3066; FIRST FINANCIAL BANKSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Financial Bank (Abilene, TX) profitable?
First Financial Bank (Abilene, TX) reported net income of $135.2 mn for the year to ; annualized return on equity: 15.35%. So yes: First Financial Bank (Abilene, TX) made a profit over these months.
When is data for First Financial Bank (Abilene, TX) next updated?
Figures from First Financial Bank (Abilene, TX) for are due after .
Where can I check the figures for First Financial Bank (Abilene, TX)?
In the FDIC BankFind Suite record for certificate 3066, and in the Call Reports of First Financial Bank (Abilene, TX) (RSSD ID 470050) at the FFIEC Central Data Repository.