First Financial Bank (FDIC #3066): Bank Stress & Real-Estate Credit Exposure

First Financial Bank (FDIC Cert #3066): bank stress 49/100, moderate, STABLE over 7 days; parent FIRST FINANCIAL BANKSHARES INC (FFIN).

First Financial Bank (#3066) lends in 31 counties across 1 state; First Financial Bank (#3066) reaches 544 ZIP codes: Texas 31 counties, 544 ZIPs.

First Financial Bank (#3066) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#3066), Tarrant County, TX (304 branches, 76 ZIPs) (#3066), Denton County, TX (40 branches, 40 ZIPs) (#3066), Fort Bend County, TX (35 branches, 35 ZIPs) (#3066), Montgomery County, TX (216 branches, 27 ZIPs) (#3066), Ellis County, TX (40 branches, 20 ZIPs) (#3066).

First Financial Bank (#3066) reports $15.23 billion in total assets; First Financial Bank (#3066) equity $1.79 billion (11.8% of First Financial Bank (#3066) assets); First Financial Bank (#3066) domestic deposits $13.30 billion; First Financial Bank (#3066) net income $135.2 million; First Financial Bank (#3066) return on assets 1.77%; First Financial Bank (#3066) return on equity 15.35%; First Financial Bank (#3066) net interest income $270.8 million; First Financial Bank (#3066) call report June 30, 2026.

First Financial Bank (#3066) noncurrent real-estate loans: none reported; First Financial Bank (#3066) residential -0.09%; First Financial Bank (#3066) net charge-offs on real estate 0.96%; First Financial Bank (#3066) residential charge-offs 1.60%.

First Financial Bank (#3066) net interest margin 3.79% against an eight-quarter First Financial Bank (#3066) average of 3.63% (First Financial Bank (#3066) compression -0.16 points); First Financial Bank (#3066) non-residential real estate 159.9% of equity; First Financial Bank (#3066) rate-exposure score 40/100, First Financial Bank (#3066) fixed-rate trap 40/100; First Financial Bank (#3066) risk type market signal; First Financial Bank (#3066) rate regime rates elevated; First Financial Bank (#3066) shares 16.0% below the 52-week high, First Financial Bank (#3066) equity trend weakening, First Financial Bank (#3066) snapshot October 20, 2026.

First Financial Bank (#3066) stress score moved from 48.9 on June 22, 2026 to 49 on October 20, 2026; First Financial Bank (#3066) ranged 48.9 to 49 over 117 snapshots.

First Financial Bank (#3066) alerts: 31 counties; top First Financial Bank (#3066) alert scores: Franklin County, TX 28 (low); Newton County, TX 22 (low); Cleburne County, TX 17 (low); Clyde County, TX 17 (low); College Station County, TX 17 (low).