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First Financial Bank
Abilene, TX · FDIC Certificate #3066 · Chartered 01/0
Total assets
$15.23B
Total deposits
$13.30B
Total equity
$1.79B
Net loans
$8.26B
Branches (offices)
83
Net income (YTD)
$135.21M
Rank: #127 of 4,213 U.S. banks by assets · #7 of 346 in Texas. Assets changed 6.4% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.77% |
| Return on equity | 15.35% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 11.77% |
| Tier 1 leverage ratio | 11.61% |
| Uninsured deposits (share of deposits) | 44.7% |
| Noncurrent loans (share of loans) | 0.77% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 62.1% |
| Real estate loans (share of loans) | 70.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.86B | 70.9% | |
| Commercial & industrial | $1.05B | 12.7% | |
| Consumer / individual | $924.83M | 11.2% | |
| Construction & development | $1.19B | 14.4% | |
| Agricultural | $81.79M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $13.22B | $11.22B | $110.18M | $1.20B |
| Jun 2023 | $12.77B | $10.94B | $95.90M | $1.21B |
| Jun 2024 | $13.09B | $11.53B | $98.06M | $1.36B |
| Jun 2025 | $14.32B | $12.57B | $120.56M | $1.60B |
| Jun 2026 | $15.23B | $13.30B | $135.21M | $1.79B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $13.30B | 83 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $13.30B.
Similar-sized banks
Nicolet National Bank ($15.39B) · Bell Bank ($15.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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