The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. First Financial Bank is an FDIC-insured institution (FDIC certificate #3066). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.7% of deposits ($5.9B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.59% (benchmark: 10%).

Check how much of your own balance is covered

First Financial Bank lists 80 offices in 59 cities. Most locations:

• Abilene, TX (11)
• College Station, TX (3)
• Conroe, TX (3)
• Granbury, TX (3)
• Bryan, TX (2)
• Cleburne, TX (2)
• San Angelo, TX (2)
• Stephenville, TX (2)
• Weatherford, TX (2)
• Albany, TX (1)
• Aledo, TX (1)
• Alvarado, TX (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 26 consumer complaints about FIRST FINANCIAL BANKSHARES, INC. to the company (9 in the last 12 months). 100.0% received a timely response. That is 2.0 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

In 2025, First Financial Bank reported 5,109 home-loan applications under HMDA (LEI 549300IVURCTJ6QVMD67): 3,784 originated ($1,025,260,000 total), 550 denied, and 737 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Financial Bank

Former names

First Financial Bank, National Association; First National Bank of Abilene; The Farmers and Merchants National Bank of Abilene

Type

State-chartered bank (Fed member)

FDIC certificate #

3066

RSSD ID

470050

Primary regulator

FED

Holding company

First Financial Bankshares Inc

Established

January 1, 1889

Headquarters

400 Pine St, Abilene, TX 79601

Website

www.ffin.com/

Employees

1,529