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First Financial Reports Record Q3 2026 Net Income, NIM Up and Texas Expansion

Oct 15, 2026, 4:32 PM EDT1 sourcesAI-analyzed

Why it may matterVerify against the original reporting

Strong earnings momentum and margin expansion favor near-term upside; expansion in Texas could lift deposits/loan growth, though macro uncertainty and securities losses cap upside.

AI summary

What happened, with direct paths to the underlying reporting

First Financial Bankshares posted a record third quarter with net income of $74.31 million and EPS of $0.52, supported by a 3.91% NIM. Loans grew 9.12% annualized to $8.54 billion as deposits remained strong, and wealth management AUM rose to $12.35 billion. The Austin expansion with a Bee Cave branch underscores further Texas growth, though unrealized securities losses weigh on book value.

Q3 2026 net income $74.31M; EPS $0.52.
NIM 3.91% in Q3 2026; up from 3.80% YoY.
Loans grew 9.12% annualized to $8.54B; deposits steady.
Bee Cave Austin branch to open; Texas expansion continuing.

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First Financial Reports Record Q3 2026 Net Income, NIM Up and Texas Expansion

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