# FIRST FINANCIAL BANK
ABILENE, TX · FDIC certificate 3066 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $15.23B | |
| Deposits | $13.30B | |
| Loans and leases | $8.37B | |
| Total equity | $1.79B | |
| Loans / deposits | 62.09% (p10 of band) | 85.78% |
| Liquid assets / assets | 40.76% (p89 of band) | |
| Uninsured deposits / deposits | 44.70% (p67 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.50% (p9 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.61% (p86 of band) | 10.17% |
| Unrealized securities loss / equity | -19.92% (p13 of band) | -7.43% |
| AOCI / equity | -0.54% (p39 of band) | |
| ROA (annualized) | 1.77% (p83 of band) | 1.24% |
| Net interest margin | 3.79% (p63 of band) | 3.57% |
| Efficiency ratio | 44.83% (p22 of band) | |
| Noncurrent loans | 0.77% (p59 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p4 of band) | |
| Reserve coverage of noncurrent | 174.95% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 66.42% (p91 of band) | |
| Auto loans | $776.4M (9.28% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $34.8M (2% of equity) (p29 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 1529 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | wholesale funding >15% |  |
| 2012-12 | 0 |  | capital falling, wholesale funding >15% |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits >50% |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-06 [FIRST FINANCIAL BANK ABILENE REGION ANNOUNCES LEADERSHIP TRANSITION AND EXECUTIVE PROMOTIONS - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDZaTFVHc3djdjQ1ZmFWR2NadExrQWZwVDZ6aHFha0RiVWpzb0h2dG5NZjZ5ck1rdGotWEVSNE1ka05WSldRZXE3YWJRWWZXNWVFc2U1UTJjeE5DZGN3ZThTclNpdVJOT1BMeGFQVno0YWpMZzUyUnNSV3FWVUp5Ml9nN2F3NkQyVzBFQUw4RVg3YmhEbEJNS0YxVXE5bHU5YkFRTDNZbFdxMGZhcklqalBqelZULTUtblotZVVJZE4wT2hWczRFeWQ0MnlURzhCb0E5U3VDUndUZDljVjZubFJ3?oc=5) · PR Newswire
- 2026-08-06 [First Financial Bank announces Abilene leadership changes - KTXS](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWGdKNlRPbHJidXRqYVRKWm1FMFhKeWtxY2gtSXZWYjU0RFN3bmgwbkttTXpzSkR0elVfbHJLMXp1OGNWLXBQLUdmWklzUHdwR2wxVDJSOW1BQnl1SWZMd1pxSVN5aUNzQkdialVwME9VRDZORHNCTmpjY2JuMDFjN3hWQXNzQ3Z1MVpkV1hB?oc=5) · KTXS
- 2026-01-16 [First Financial Bank Makes Promotions for Continued Succession Planning - ABF Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdUl2VmpwdkpsTGhQSWh2LUJmNW8xTGRLOTJBMnhRcUhzSWZWVzJKcVFMZENJV3pyZ2pOQ3B1OTZOa1NrNTlMaHlnRGpZc3R2aWhFbTNUbVhzSmFJMWZSZGRIeFZ2cWR6d2ZYRVVHTFA3R0tlM01ETXpKd1BZcVBqXzBjUGJ2eFBvTTZMbHMwYlM2T3c2eVNWSWhFVFZtNkpa?oc=5) · ABF Journal
- 2026-04-21 [First Financial Bank names new Houston regional CEO, promotes other execs - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTElCV3Y3dndZeWRTWjcwVVA3QTdNQndxb3Ftc0Jid2hwcV9GSUZjaUhjU3UybThDV3BCelhTck1SUklrdUxsdEFyaVJfX3M3ejRNWk1Ud3lvMkJoU1ZTR3REeFl6UjVkVG9STkhQZTc3LUpCM24zM0VVV0twQ2xwVW4waEZTSVFYNjNaMi10TEwtVDZtV3V2aGVXZ3Q1Qy1yYlZCX3htOA?oc=5) · The Business Journals
- 2026-01-28 [First Financial Bankshares, Inc., First Financial Bank Announce Promotion of David Bailey to CEO - PR Newswire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNbEc2TmtHaDBLX1JwalZnZU04cTZaVGdjY3ZpS2liWXJJWWtqUjBKUm5jMDdCcHlXZERaTThTc01maVJQS0QwSlkwQVJwSFdOMEcwTG45RW4zeVh5RVVQazNQOXhMdmJHcmdSeW13WUc2aW9JUEJlZnBNaVE3aE5PNkE0NHZEWUZ1R1I1Vl9pd2xmZ2JUbkVZSDAyQUt0RTI5Q3o3VHVPMmNTdHM0V2ZoVnFQTjBGNWY5bFNXT3ZGanVSQjZOblVLMEZGZUVFaTBYMzRmZ05qU1J2NjY0REM2UnVmYw?oc=5) · PR Newswire
- 2026-07-06 [Beaumont Police catch suspect mid-burglary at Dowlen Rd bank early Sunday morning - 12newsnow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPLUlaeUR0UFBBRE5DWVlWU0ZEc2hFc0JFZXM4TDZ3MzRCakIzcHFaaEt3aWNESGdWdDNHYVFXeXBTV3czSVJRMDJhU1FLTkowbGUycE42MjFyd05LMUtuWVhvNGcxQm84MWtRRlY3QVFsOHY3ZjFyQ2FaT1VJbnNPR1lDdnNRWkczeTJKbWI4TnN5UnNXVElqaTRXWDNZN0ZxakEyZjU0NExGRWZabEY2cjdvMHprOHJEOEdVUF8zQk8xS28zanNpTGVGUUJIeWZTS0VNeVJBTQ?oc=5) · 12newsnow.com
- 2026-04-21 [First Financial Bank Makes Greater Houston Leadership Appointments - ABF Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYzdKS2dscHl4V3h5eVNzOUMzVi16YTBMQko5NUpxTlN5YXRoTHgzVXJ0ZVpmUWUxWi0wc25ZQ1BuSHpKT0xDMzliM01aOVpGdmFmXzZjeFJiV2N6ZVJtdkFORGVIWlRaU05FQUEwbTg0RHVid0dfS0lZMEpGbDVuakNsdHktNHpsbVY5VURqX3FPVlBNdjNDWkp3?oc=5) · ABF Journal
- 2026-07-30 [FIRST FINANCIAL BANKSHARES ANNOUNCES 2026 SHARE REPURCHASE PLAN - TradingView](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNLVU2bkYzZElvVGF3SmtXTGg4QVRtOEM2SUFrY2xOelJqWDcyekpTRU9jajJqOGR6ZV9hV2owQVhoc21salRkQ3ZrMmo1dTZFa3ZOdjd2ekhXV3hOSm5MVjkwcENkOWp0RTVYQ3ptNW9SNzBNR0lBOEdfX01XNHdkTV93UE14QjZ2N0RQWGhleVFpMnotYzFNTXVPazFPTEliY1V4NlRwMnZVRFBWcm4tZ0l0a1RPTnFsRHFNY2MyV1k3UQ?oc=5) · TradingView

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3066 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "3066", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide