First Financial Bankshares, Inc. reported net earnings of $66.66 million for the second quarter of 2025, a substantial 27% increase from $52.49 million in the same quarter a year ago. Diluted earnings per share reached $0.47, up from $0.37 in the second quarter of 2024.
Net interest income for the second quarter of 2025 was $123.73 million, contributing to a tax-equivalent net interest margin of 3.81%. This represents a significant expansion from 3.48% in the second quarter of 2024, primarily due to increased average yields on loans and securities.
Total loans held-for-investment grew to $8.07 billion, an increase of $129.33 million during the quarter, while deposits and repurchase agreements totaled $12.50 billion. The company's efficiency ratio improved to 44.97% from 47.41% in the prior year, reflecting enhanced operational efficiency.
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