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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

First Financial Bank

Abilene, Texas · $15.23B in assets · beside the 11 other Texas banks over $10B

The filing

62.9%
Loans / deposits
4th of 12
1.74%
ROA
4th of 12
44.9%
Efficiency
4th of 12

First Financial Bank is the sixth largest of the 12 Texas banks nearest its size over $10B, with $15.23B in assets at 30 June 2026. Loans are 62.9% of deposits, 4th of 12 against a median of 81.6%, and equity is 11.8% of assets, 5th of 12. Loans grew +3.2% in the year, 8th of 11, and deposits grew 5.8%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.77% of the book, 6th of 11 against a median of 0.77%; 0.20% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 24.2% of loans, 5th of 11 against a median of 27.7%, and 107% of capital, below the 300% screen, with construction at 63% against the 100% screen.

Return on assets is 1.74%, 4th of 12 against a median of 1.33%, on an efficiency ratio of 44.9%, 4th of 12. Five years ago it was 1.85%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 81.6% CS Charles Schwab Trust Bank 0.0% CS Charles Schwab Premier Bank SS 0.0% FB Frost Bank 52.6% FF First Financial Bank 62.9% PB Prosperity Bank 76.0% AN Amarillo National Bank 78.7% N Nexbank 84.5% TC Texas Capital Bank 84.9% SB Stellar Bank 86.0% SB Sunflower Bank National Association 86.9% PB Plainscapital Bank 87.0% IB International Bank of Com 109.0%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

First Financial Bank is the 59th largest 7(a) lender into Texas of 706, with $181M across 397 loans, 0.4% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 40 of its 57 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Taylor, TX$21M2nd of 738.1%+0.0 pts
Harris, TX$19M74th of 3140.2%thin
Tarrant, TX$15M54th of 2810.4%+0.1 pts
Jefferson, TX$11M9th of 813.5%-3.7 pts
Parker, TX$9M8th of 923.5%quiet FY2022
Orange, TX$8M4th of 388.8%quiet FY2022
Eastland, TX$7M2nd of 2215.8%-6.0 pts
Tom Green, TX$6M4th of 545.2%+4.5 pts
Fort Bend, TX$6M57th of 1800.4%-1.5 pts
Matagorda, TX$6M1st of 368.7%quiet FY2014
Wise, TX$5M6th of 704.6%thin
Denton, TX$5M73rd of 2240.3%thin
Lamar, TX$5M3rd of 339.4%thin
44 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing42$32M17.3%0.08%216th of 2,246
Retail trade60$29M15.6%0.05%264th of 2,589
Accommodation & food services60$25M13.8%0.03%346th of 2,596
Other services38$20M10.9%0.06%226th of 2,248
Health care & social assistance40$16M8.6%0.03%295th of 2,172
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First Financial Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FF First Financial Bank 0.4% $181M · 397 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First Financial BankRankCohort median
Total CRE against capital, the 300% screen107%5th of 12120%
Construction against capital, the 100% screen63%8th of 1239%
Construction and land development, share of loans14.2%10th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans8.8%5th of 1110.2%
Total CRE, the guidance definition, share of loans24.2%5th of 1127.7%
CRE growth over 36 months, the third prong+17.2%8th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Financial BankCohort median
20212026Change20212026Change
Loans$5.37B$8.37B+56%$5.53B$8.82B+59%
Deposits$9.89B$13.30B+34%$10.30B$12.17B+18%
NPA / loans0.56%0.77%+0.21 pts0.54%0.77%+0.23 pts
Efficiency45.4%44.9%-0.5 pts52.6%51.0%-1.6 pts
ROA1.85%1.74%-0.11 pts1.26%1.33%+0.06 pts

This read was prepared for First Financial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Financial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.ffin.com/

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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