Risk factors

First Financial Bankshares (FFIN) risk factors

Item 1A of every First Financial Bankshares Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    53 risks2 new4 dropped9 reworded

    Added focus on residential mortgage hedging and interest rate lock commitments.

    Filed Feb 25, 2026
  • FY2024 10-K risk factors
    55 risks

    First Financial Bankshares faces intense geographic concentration risk in Texas and significant regional economic exposure. The bank relies heavily on net interest income, wealth management fees, and small-to-medium business lending. Operations are also exposed to commercial real estate collateral values, severe weather events, and stringent regulatory compliance.

    Filed Feb 21, 2025