First Financial Bankshares : 1st Quarter 2026 Investor Presentation

Published: 2026-05-16 18:51:04 ET FFIN

Published on 05/16/2026 at 06:51 pm EDT

$15.4 billion financial holding company headquartered in Abilene, Texas

Group of 8 separate bank regions

Trust and Asset Management Company with 9 locations and manages approximately $11.9 billion in assets

136 year history

2025

S&P GLOBAL TOP 50 PUBLIC BANKS

MEMBER FDIC

One Bank, Eight Regions Concept

One Bank

Consolidation of credit, customer contact center, internal audit, accounting, technology, human resources, risk management, training, and compliance (drives lower efficiency ratio)

Eight Regions

Regional Presidents run their regions

Local Boards - Movers and shakers of the Community

Keep our regions locally focused

Make sure we meet the needs of the community

Help us make better loan decisions

Help us market the region

https://www.ffin.com/locations

Franklin: Branch of Bryan / College Station - August 2023

Lumberton: Branch of Orange - December 2022

Bryan / College Station: Office of Trust Company - September 2020

Austin: Office of the Mortgage Company - January 2020

Grand Parkway (Spring): Branch of Conroe - Opened January 2019

Houston: Office of Trust Company - December 2018

New Waverly: Branch of Huntsville - August 2014 (New Building -Opened December 2018)

Beaumont: Branch of Orange - August 2014

Bank

Key Markets

Frost

San Antonio, Austin, Corpus Christi, DFW, Rio Grande, West Texas

International Bancshares

Rio Grande, Houston, San Antonio, Oklahoma

Origin Bancorp

Dallas, Louisiana

Prosperity

Houston, DFW, Austin, West Texas, South Central Texas, Oklahoma

Southside

East Texas, Fort Worth

Texas Capital

DFW, Austin, San Antonio, Houston

Triumph

Dallas

South Plains Financial, Inc.

Lubbock, Dallas, Houston, West Texas

Hilltop Holdings

DFW, Lubbock, Austin, San Antonio, Houston, Corpus Christi

Customer Service First (CS1st)

Began CS1st initiative in 2005 with Dennis Snow (former Disney executive charged with Disney's customer experience).

Implemented the Service Improvement Team with ten distinct teams with various strategic objectives.

Key Successes

Established a robust employee recognition program

Developed a centralized team to address system and process obstacles

Designed and implemented a nationally recognized Financial Exploitation program

Day of Service (Completed 10th Annual on October 13th, 2025)

Have transitioned what began as a service initiative into a culture of service excellence

Since 2019, the Company has partnered with Horst Schulze (co-founder and former COO of the Ritz-Carlton Hotel Company) to further enhance the Company's culture by developing:

Defined Clear Vision and Mission Statements

21 Service Non-negotiables

Daily Line-Ups

Train-the-trainer sessions for all branch managers (over 300 employees spent 2 days in training)

Incorporated into new employee orientation

Bank

Key Markets

Frost

San Antonio, Austin, Corpus Christi, DFW, Rio Grande, West Texas

International Bancshares

Rio Grande, Houston, San Antonio, Oklahoma

Origin Bancorp

Dallas, Louisiana

Prosperity

Houston, DFW, Austin, West Texas, South Central Texas, Oklahoma

Southside

East Texas, Fort Worth

Texas Capital

DFW, Austin, San Antonio, Houston

Triumph

Dallas

South Plains Financial, Inc.

Lubbock, Dallas, Houston, West Texas

Hilltop Holdings

DFW, Lubbock, Austin, San Antonio, Houston, Corpus Christi

Years with Company Years in Industry

Scott Dueser

Executive Chairman of the Board First Financial Bankshares, Inc.

David Bailey

Chief Executive Officer & President First Financial Bankshares, Inc.

Ron Butler

Vice Chairman of the

Executive Management Committee

Michelle Hickox

Executive Vice President & Chief Financial Officer First Financial Bankshares, Inc.

Kyle McVey, CPA

Executive Vice President

Chief Financial Officer & Investor Relations Director First Financial Bank

Luke Longhofer Executive Vice President Chief Credit Officer

First Financial Bankshares, Inc.

Lon Biebighauser, CTFA

President

First Financial Trust & Asset Management

Years with Company Years in Industry

Randy Roewe Executive Vice President Chief Risk Officer

John Ruzicka

Executive Vice President

Chief Banking Operations Officer

Brian Goodrich Executive Vice President General Counsel

Tim Brown

Executive Vice President Chief Information Officer

Years with Company Years in Industry

Chris Evatt

Senior Banking Executive 25 25

Southern Banking Regions

James Alexander

Executive Vice President 8 29

Commercial Banking

Rett Everett

Executive Vice President 4 23

Credit Administration - DFW

Keith Morton

Executive Vice President 2 22

Credit Administration - Southeast Texas

Michael Parker

Executive Vice President 3 18

Chief Compliance Officer

Javier Jurado

Executive Vice President 2 21

Chief Audit Executive

Jeff Vorhees

Executive Vice President 1 20

Treasurer

Eric Bonnell

Senior Vice President 2 22

Enterprise Risk Management 17

Senior Leadership

Years with Company Years in Industry

Josh Brown

Executive Vice President 11 16

Chief Human Resources Officer

Frank Gioia

Executive Vice President 10 38

Customer Care Center

Brandon Harris

Senior Vice President 10 23

Appraisal Services

Lori Hill

Executive Vice President 28 38

Retail

James Hinton

President 1 37

First Financial Mortgage

Gary Milliorn

Senior Vice President 11 37

Property Management

Years with Company Years in Industry

Chris Schjetnan

Executive Vice President 13 21

Community Lending and Outreach

Andrea Smiddy-Schlagel

Executive Vice President 7 37

Treasury Management

Dan Summerford

Executive Vice President 2 31

Director of Middle Market Lending

Violet Watson Griggs

Senior Vice President 6 7

Advertising and Marketing

Mike Wolverton

Executive Vice President 14 40

Consumer Lending

Years with Company Years in Industry

Marelyn Shedd, Abilene (CEO) 35 43

Marshall Morris, Abilene (President) 15 15

Nora Thompson, Bryan/College Station (CEO) 6 35

Austin Bryan, Bryan/College Station (President) 6 37

Marcus Morris, Chisholm Trail (CEO) 16 18

Austin Elsner, Chisholm Trail (President) 8 25

Justin Hooper, Cross Timbers (CEO) 22 33

Trent Swearengin, Cross Timbers (President) 26 28

Candice Kanady, Eastland Division President 25 25

Rodney Nabors, Greater Houston (CEO) - 36

Blaine Caillier, Southeast Texas (CEO) 15 15

Shelby Bruhn, Southlake (CEO) 4 25

Rick Vaughan, West Texas (CEO) 3 33

Rodney Foster, West Texas (President) 27 30

Experienced Regional CEOs & Presidents

*As of March 31, 2026

$13,102 $12,974 $13,106

$13,979 $14,312

$15,387*

2021 2022 2023 2024 2025 2026

(in millions)

*As of March 31, 2026

$10,566

$11,006

$11,138

$12,099

$12,467

$13,245*

$6,786 $6,944 $7,703 $8,751 $9,110 $9,859

$3,780 $4,062 $3,435 $3,348 $3,357 $3,386

2021 2022 2023 2024 2025 2026

Total Deposit Growth

(in millions)

Time

6.8%

Money

Market 20.1%

Non-interest

bearing checking 25.6%

NOW &

Savings 47.5%

*As of March 31, 2026

$5,427

$6,454

$7,163

$7,921 $8,188 $8,308*

2021 2022 2023 2024 2025 2026

Disclaimer

First Financial Bankshares Inc. published this content on May 15, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 16, 2026 at 22:50 UTC.