First Financial Bank
Abilene, Texas, Taylor County
$15.2B in total assets, the 130th largest of 4,309 US banks and 7th of 352 headquartered in Texas.
- FDIC certificate
- 3066
- Established
- 1889
- Owned by
- First Financial Bankshares Inc
- Primary regulator
- FED
- Website
- www.ffin.com/
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $15.2B | 54% | $14.2B | |
| Loans | $8.4B | 46% | $9.3B | |
| Deposits | $13.3B | 54% | $11.0B | |
| Return on assets | 1.68% | 73% | 1.32% | |
| Net interest margin | 3.79% | 64% | 3.52% | |
| Efficiency ratio | 44.8% | 27% | 50.8% | |
| Equity to assets | 11.77% | 64% | 10.75% | |
| Loans to deposits | 63% | 27% | 85% |
Growth
Total assets grew 4.4% a year over the last 5 years and 8.7% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2020 | The Bank & Trust of Bryan/College Station Bryan, TX | $631M |
| Jan 2018 | Commercial State Bank El Campo, TX | $390M |
| Aug 2015 | First Bank, National Association Conroe, TX | $371M |
| Jun 2013 | Orange Savings Bank, ssb Orange, TX | $438M |
| Dec 2012 | First Financial Bank Huntsville, TX, an affiliate under the same holding company | $183M |
| Dec 2012 | First Financial Bank, National Association Southlake, TX, an affiliate under the same holding company | $333M |
| Dec 2012 | First Financial Bank, National Association Cleburne, TX, an affiliate under the same holding company | $323M |
| Dec 2012 | First Financial Bank, National Association Mineral Wells, TX, an affiliate under the same holding company | $215M |
| Dec 2012 | First Financial Bank, National Association Eastland, TX, an affiliate under the same holding company | $226M |
| Dec 2012 | FIRST FINANCIAL BANK Hereford, TX, an affiliate under the same holding company | $171M |
| Dec 2012 | First Financial Bank, National Association Sweetwater, TX, an affiliate under the same holding company | $200M |
| Dec 2012 | First Financial Bank, National Association San Angelo, TX, an affiliate under the same holding company | $447M |
| Dec 2012 | First Financial Bank, National Association Weatherford, TX, an affiliate under the same holding company | $395M |
| Dec 2012 | First Financial Bank, National Association Stephenville, TX, an affiliate under the same holding company | $376M |
| Feb 2005 | The Peoples State Bank Clyde, TX | $121M |
| Jan 1989 | Bank of Commerce Abilene, TX, an affiliate under the same holding company | $100M |
| Jul 1987 | American National Bank of Abilene Abilene, TX | $31M |
Where they operate
83 branches in 31 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Taylor County, TX | $3.3B | 64.9% | 1 of 15 |
| Tom Green County, TX | $1.1B | 32.9% | 1 of 15 |
| Montgomery County, TX | $971M | 5.3% | 7 of 36 |
| Parker County, TX | $928M | 23.1% | 1 of 21 |
| Brazos County, TX | $799M | 10.1% | 4 of 24 |
| Tarrant County, TX | $664M | 1.0% | 19 of 74 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 11 branches since 2016 (72 to 83, +15.3%). 5 opened, 9 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 72 | |||
| 2016 | Closed Weatherford | 0 | 1 | −1 | 71 |
| 2017 | Opened Abilene | 2 | 0 | +2 | 73 |
| 2018 | Acquired Commercial State BankClosed San Angelo | 4 | 1 | +3 | 76 |
| 2019 | Opened Spring | 1 | 0 | +1 | 77 |
| 2020 | Acquired The Bank & Trust of Bryan/College Station | 5 | 0 | +5 | 82 |
| 2022 | Opened Lumberton | 1 | 0 | +1 | 83 |
| 2023 | Opened Franklin | 1 | 0 | +1 | 84 |
| 2024 | Closed Abilene | 0 | 1 | −1 | 83 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 28% | 20% | |
| Commercial real estate | 22% | 22% | |
| Construction and land | 14% | 8% | |
| Business (C&I) | 13% | 18% | |
| Consumer | 11% | 2% | |
| Farmland | 4% | 1% | |
| Multifamily | 1% | 6% | |
| Agricultural | 1% | 1% | |
| Other | 5% | 20% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 66% | 63% | |
| Noninterest-bearing | 27% | 25% | |
| Time deposits | 7% | 12% |
Brokered deposits are 0.0% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.77% | 0.77% |
| Net charge-offs, annualized | -0.01% | 0.15% |
| Reserves to loans | 1.34% | 1.17% |
| Leverage ratio | 11.61% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Taylor County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-financial-bank-abilene-tx