First Financial Bankshares Inc - Asset Resilience Ratio

Latest as of June 2026: 15.90%

First Financial Bankshares Inc (FFIN) has an Asset Resilience Ratio of 15.90% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See First Financial Bankshares Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$2.43 Billion

Cash + Short-term Investments

Total Assets

$15.31 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how First Financial Bankshares Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see First Financial Bankshares Inc asset portfolio.

Liquid Assets Composition Over Time

This chart breaks down First Financial Bankshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of First Financial Bankshares Inc to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$2.43 Billion	15.9%
Total Liquid Assets	$2.43 Billion	15.90%

Asset Resilience Insights

Good Liquidity Position: First Financial Bankshares Inc maintains a healthy 15.90% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

First Financial Bankshares Inc Industry Peers by Asset Resilience Ratio

Compare First Financial Bankshares Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

Annual Asset Resilience Ratio for First Financial Bankshares Inc (2000–2025)

The table below shows the annual Asset Resilience Ratio data for First Financial Bankshares Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	35.70%	$5.51 Billion	$15.45 Billion	+33.63pp
2024-12-31	2.07%	$288.99 Million	$13.98 Billion	-34.05pp
2023-12-31	36.11%	$4.73 Billion	$13.11 Billion	-6.08pp
2022-12-31	42.19%	$5.47 Billion	$12.97 Billion	-7.97pp
2021-12-31	50.17%	$6.57 Billion	$13.10 Billion	+9.88pp
2020-12-31	40.29%	$4.39 Billion	$10.90 Billion	-1.03pp
2019-12-31	41.31%	$3.41 Billion	$8.26 Billion	+0.46pp
2018-12-31	40.85%	$3.16 Billion	$7.73 Billion	-1.70pp
2017-12-31	42.56%	$3.09 Billion	$7.25 Billion	+0.55pp
2016-12-31	42.01%	$2.86 Billion	$6.81 Billion	+0.99pp
2015-12-31	41.02%	$2.73 Billion	$6.67 Billion	-0.29pp
2014-12-31	41.31%	$2.42 Billion	$5.85 Billion	+1.91pp
2013-12-31	39.40%	$2.06 Billion	$5.22 Billion	-1.00pp
2012-12-31	40.40%	$1.82 Billion	$4.50 Billion	-4.28pp
2011-12-31	44.69%	$1.84 Billion	$4.12 Billion	+3.98pp
2010-12-31	40.71%	$1.54 Billion	$3.78 Billion	+1.98pp
2009-12-31	38.73%	$1.27 Billion	$3.28 Billion	+34.28pp
2005-12-31	4.45%	$121.75 Million	$2.73 Billion	+0.12pp
2004-12-31	4.33%	$100.24 Million	$2.32 Billion	+4.20pp
2003-12-31	0.13%	$2.78 Million	$2.09 Billion	-3.50pp
2002-12-31	3.63%	$72.32 Million	$1.99 Billion	-0.22pp
2001-12-31	3.85%	$74.35 Million	$1.93 Billion	+0.30pp
2000-12-31	3.55%	$62.34 Million	$1.75 Billion	--

pp = percentage points

About First Financial Bankshares Inc

NASDAQ:FFIN USA Banks - Regional

Market Cap

$4.78 Billion

Market Cap Rank

#3677 Global

#1288 in USA

Share Price

$33.32

Change (1 day)

-0.92%

52-Week Range

$28.59 - $36.50

All Time High

$51.32