TX lenders / Regional Bank
First Financial Bank
Regional Bank · Abilene, TX · First Financial Bankshares Inc
- Total assets
- $15.3B
- CRE loan book
- $3.1B
- QoQ CRE growth
- 0.5%
- Q1 2026
Recorded CRE activity — brazos County
8 commercial deeds of trust recorded recently, verified from county records.
- Jul 1, 2026 · landundisclosed
- Jun 30, 2026 · unknownundisclosed
- Jun 26, 2026 · unknown$64K
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.59% as of Q1 2026 — TX bank median 4.87% (1.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.59% | 6.56% |
| Q4 2025 | 6.76% | 6.71% |
| Q3 2025 | 6.75% | 6.86% |
| Q2 2025 | 6.73% | 6.71% |
| Q1 2025 | 6.49% | 6.60% |
| Q4 2024 | 6.62% | 6.77% |
| Q3 2024 | 6.58% | 6.79% |
| Q2 2024 | 6.47% | 6.69% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $3.1B | $1.2B | $95.2M | 108% | $29.0M |
| Q4 2025 | $3.1B | $1.2B | $98.5M | 109% | $32.1M |
| Q3 2025 | $3.1B | $1.2B | $92.5M | 112% | $32.8M |
| Q2 2025 | $3.0B | $1.2B | $61.0M | 107% | $40.3M |
| Q1 2025 | $3.0B | $1.1B | $88.3M | 106% | $41.3M |
| Q4 2024 | $2.9B | $1.1B | $82.6M | 110% | $42.3M |
| Q3 2024 | $2.9B | $1.0B | $88.9M | 112% | $43.8M |
| Q2 2024 | $2.9B | $986.3M | $89.3M | 113% | $42.9M |
Signals
Regulatory actions
- FED Prohibition from Banking — Federal Reserve prohibition from banking against an individual (Destiny Lara) involving First Financial Bank, effective 2026-04-14.Apr 14, 2026
- OCC Prohibition/Removal Orders — OCC prohibition/removal orders against an individual (Nikki Ward) involving First Financial Bank, completed 2025-07-15 (document AA-ENF-2024-34).Jul 15, 2025
Recent news
- First Financial Bank Abilene Region Makes Executive Promotions - ABF Journal — Coverage of First Financial Bank related to commercial real estate and lending reported by abfjournal.com.Aug 7, 2026
- First Financial Bank announces Abilene leadership changes By Investing.com - Investing.com UK — Coverage of First Financial Bank related to commercial real estate and lending reported by m.uk.investing.com.Aug 7, 2026
- Is First Financial Bancorp (FFBC) Cheap After Strong Earnings And A Dividend? - simplywall.st — Coverage of First Financial Bank related to earnings reported by simplywall.st.Jul 29, 2026
- Earnings Beat And Transparency Push Might Change The Case For Investing In First Financial (FFBC) - simplywall.st — Coverage of First Financial Bank related to earnings reported by simplywall.st.Jul 5, 2026
- First Financial Bank CEO Sean Williams on What Makes a Good Poultry Loan - Arkansas Business — Coverage of First Financial Bank related to lending reported by arkansasbusiness.com.Jun 1, 2026
First Financial Bank: frequently asked questions
- How large is First Financial Bank's commercial real estate loan book?
- As of Q1 2026, First Financial Bank reported $3.1B in commercial real estate loans out of $15.3B in total assets, per its FFIEC Call Report.
- Is First Financial Bank above the 300% CRE concentration guideline?
- First Financial Bank's CRE loans stood at 108% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First Financial Bank growing or shrinking its CRE lending?
- First Financial Bank's CRE loan book grew 0.5% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is First Financial Bank in recorded CRE lending?
- 8 commercial deeds of trust naming First Financial Bank as lender have been recorded recently in brazos County, verified from county records; the most recent was recorded Jul 1, 2026.
- Has First Financial Bank faced regulatory enforcement actions?
- Yes — 2 regulatory enforcement actions on record for First Financial Bank, most recently from the FED (Prohibition from Banking) on Apr 14, 2026. See the Signals section for details and sources.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other regional banks we track with a comparable CRE book size.
- BancFirstRegional Bank · Oklahoma City · $3.1B CRE book
- Bank Hapoalim B.M.Regional Bank · New York · $2.9B CRE book
- TriState Capital BankRegional Bank · Pittsburgh · $3.4B CRE book
- FirstBank Puerto RicoRegional Bank · Santurce · $3.4B CRE book
- Washington Trust BankRegional Bank · Spokane · $3.5B CRE book
Markets where First Financial Bank lends
First Financial Bank has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.