- First Financial Bankshares, Inc. (FFIN) reported **net income of $52.27 million** and **diluted earnings per share of $0.36** for the third quarter of 2025, a decrease from $66.66 million and $0.47, respectively, in the second quarter of 2025.  **[36029_0001193125-25-249803_ffin-ex99_1.htm:1]** **[36029_0001193125-25-249803_ffin-ex99_1.htm:5]** 
- The company's third-quarter results were significantly affected by a **$21.55 million credit loss** stemming from fraudulent activity with a commercial borrower, resulting in a **provision for credit losses of $24.44 million**.  **[36029_0001193125-25-249803_ffin-ex99_1.htm:1]** 
- Despite this setback, **net interest income rose to $127.00 million** for Q3 2025, up from $123.73 million in Q2 2025, with a **net interest margin of 3.80%**.  **[36029_0001193125-25-249803_ffin-ex99_1.htm:1]** **[36029_0001193125-25-249803_ffin-ex99_1.htm:5]** **[36029_0001193125-25-249803_ffin-ex99_1.htm:6]** 
- CEO F. Scott Dueser indicated that the credit loss is considered **isolated** and that core earnings trends remain positive, with **year-to-date earnings growth of nearly 12 percent** compared to 2024.  **[36029_0001193125-25-249803_ffin-ex99_1.htm:1]**

FIRST FINANCIAL BANKSHARES (FFIN)