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First Financial Bankshares vs peers
AI and technology compared

Last updated Oct 19, 2026 · 8 peers · 70 sources cited

How does First Financial Bankshares compare with its peers on AI and technology?

On this site's AI disclosure index First Financial Bankshares scores 0.9 (#120 of 120 US banks), ninth in a nine-bank group of banks that compete in Texas. The group is led by Frost (49.3), Texas Capital (49.1) and Prosperity (40). The gap is a disclosed program. First Financial has named no AI tool, vendor, use case or budget as of October 2026. Its 2025 10-K, filed February 25, 2026, mentions AI in one risk-factor sentence, about operational challenges in adopting, or failing to adopt, technology such as AI. Its six 10-Qs from November 2024 to August 2026 contain no AI term. Texas Capital reported in April 2026 that about 80% of employees use Ranger, its in-house multi-LLM platform, and that staff had built 280 agents. Frost's account opening on Blend reached an 80% completion rate. Hilltop's PrimeLending runs 15 AI 'MoBots' that re-verify loan data. First Financial's technology bench is in-house: a subsidiary, First Technology Services, run since October 2025 by CIO Tim Brown, who spent 30 years at USAA, last in innovation research and development. In March 2026 it nominated director Blake Poutra, whose biography cites AI experience. Its cost base is lean: a 45.94% efficiency ratio in Q2 2026, level with Prosperity (45.99%) and below Hilltop's PlainsCapital (55%), but above Home BancShares (40.46%).[1][2][3][4][5][6][7][8][9][10][11][12]

Data as of Oct 19, 2026 · First Financial Bankshares profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does First Financial Bankshares lead its peers on AI?

01

A lean cost base without an AI program

First Financial ran a 45.94% efficiency ratio in Q2 2026, level with Prosperity's 45.99% and well below Hilltop's PlainsCapital Bank (55%) and Glacier (56.21%). Only Home BancShares, at 40.46%, ran leaner in the group. None of these banks attributes its ratio to AI.[9][10][11][13][12]

02

AI experience added to the board

First Financial's March 2026 proxy nominated Blake Poutra, whose biography cites cloud, enterprise architecture and AI experience and a seat on the First Technology Services board. Glacier's 2026 proxy names no AI committee or AI officer.[8][14]

03

Its own technology company, now run by a USAA innovation veteran

First Technology Services, a subsidiary of First Financial Bank, runs the group's technology. Since October 2025 its CEO has been CIO Tim Brown, who spent more than 30 years at USAA, last as Senior Executive of Innovation Research and Development. Texas Capital appointed its chief digital and information officer, Mo Jamous, in July 2026.[1][7][15]

Where it trails

Where does First Financial Bankshares trail its peers on AI?

01

No AI use case disclosed while Texas Capital runs Ranger

First Financial's profile records no AI use case in production. Texas Capital said in April 2026 that about 80% of employees had used Ranger, its in-house multi-LLM platform, in the prior four weeks, that staff had built 280 agents, and that agents were live in loan operations and fraud.[3][4]

02

No digital-banking or AI customer metric, while Frost publishes several

First Financial publishes no digital adoption or customer-service AI figure. Frost's Blend-based account opening reached 80% completion with 3% manual review (August 2026), and LivePerson reports 91% satisfaction for Frost's contact-center AI co-pilot.[9][5][16]

03

No AI owner, unlike First United and Texas Capital

First Financial names no AI role; its one AI sentence is a 10-K risk factor. First United lists a Director of AI Program Strategy and Execution (March 2026), and Texas Capital's 2026 proxy describes an AI governance program with a dedicated working group and a board Technology Committee formed in 2025.[1][17][18]

04

No AI fraud tooling disclosed after a $21.55 million fraud loss

First Financial took a $21.55 million credit loss in Q3 2025 that it believed was due to fraud by a commercial borrower, and named no fraud tool. Texas Capital says its agents are live in fraud, and Frost said in 2024 that fraud detection was likely its first AI use case.[19][4][16]

AI index

Where does First Financial Bankshares rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Cullen/Frost Bankers49.3#58 of 1207157 of 917Frost mobile app and Blend digital origination[20][5][21][22]
Texas Capital Bancshares49.1#60 of 1206178 of 1221Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[23][15][24][4]
Prosperity Bancshares40#71 of 1206154 of 817Real-time core (converted February 2026)[25][26][27][28][29][10]
Hilltop Holdings30.7#87 of 120896 of 910Not disclosed
First United Bank & Trust (Spend Life Wisely Company)26.7#93 of 1205138 of 1012Not disclosed
Simmons First National Corporation3.6#106 of 1205228 of 1019Not disclosed
Home BancShares (Centennial Bank)3.5#108 of 1206177 of 1017Not disclosed
Glacier Bancorp2#117 of 1203187 of 1014Not disclosed
First Financial Bankshares (this page)0.9#120 of 1202170 of 112Not disclosed
Component by component

On which parts of the AI record is First Financial Bankshares ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of First Financial Bankshares and the 8 peers that are scored on the same basis. "Place" is First Financial Bankshares's position in the group of 9 (1st = most).

Component (weight)First Financial BanksharesPeer medianMost in the groupPlace
Independent sources (45%)26Hilltop (8)9th of 9
Use cases in production (10%)07Texas Capital (8)9th of 9
Own primary disclosures (10%)1716Simmons Bank (22)3rd of 9
Dated moves, last 12 months (10%)1217Texas Capital (21)7th of 9
Disclosed numbers (5%)912.5Frost (16)9th of 9
Named AI leaders (5%)68Frost (12)6th of 9
Use cases described (5%)110Texas Capital (12)9th of 9
Head to head

What has each bank in First Financial Bankshares's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
First Financial BanksharesNot disclosed6, incl. David Bailey (President and CEO)[30][9]Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025)[1]Not disclosedNot surveyed
Prosperity BancsharesReal-time core (converted February 2026)[25][26][27][28][29][10]6, incl. David Zalman (Senior Chairman and CEO)[29][31]Not disclosedNot disclosedNot surveyed
Cullen/Frost BankersFrost mobile app and Blend digital origination[20][5][21][22]12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)[32]Digital account-opening completion rate: 50% → 80% (Aug 18, 2026)[5]2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees)[33]2 open AI roles (Oct 1, 2026); most in AI security
Texas Capital BancsharesCloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[23][15][24][4]8, incl. Rob C. Holmes (President and CEO)[23][34]Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026)[4]Not disclosedNot surveyed
Hilltop HoldingsNot disclosed8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)[35]PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024)[6]Not disclosedNot surveyed
Home BancShares (Centennial Bank)Not disclosed4, incl. John W. Allison (Chairman and CEO, Home BancShares)[36][12]Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025)[37][38][39]Not disclosed0 open AI roles (Sep 24, 2026)
Glacier BancorpNot disclosed6, incl. Randy Chesler (President and CEO)[40][41]Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025)[42]Not disclosedNot surveyed
First United Bank & Trust (Spend Life Wisely Company)Not disclosed10, incl. Greg Massey (Chairman and CEO)[17]Employees (FDIC call report): 1,886 (end-2023: 1,945) (Jun 30, 2026)[43]Not disclosedNot surveyed
Simmons First National CorporationNot disclosed8, incl. Jay Brogdon (President and CEO)[44][45]Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026)[46]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of First Financial Bankshares and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 16, 2026Simmons BankQ3 2026 call: technology and automation 'barely scratching the surface'[47]
Oct 15, 2026Centennial BankQ3 2026 call: Mountain Commerce conversion set for 6 November[48]
Oct 14, 2026Centennial BankRecord third-quarter 2026 results[49]
Oct 7, 2026HilltopHilltopSecurities survey: 50% of public finance leaders use AI daily or weekly[50]
Sep 29, 2026First Financial BanksharesFirst full-service Austin-area branch[51]
Sep 22, 2026Simmons BankInvestor Day set for 10 December 2026[52]
Sep 16, 2026Texas CapitalChief risk officer departs; chief credit officer steps in[53]
Sep 10, 2026First United BankBusiness fraud-awareness guidance[54]
Sep 2, 2026GlacierGlacier Bank invests in the Cari tokenised-deposit network[55]
Aug 27, 2026FrostBlend 'Ecosystem Expander' award[56]
Aug 20, 2026FrostBlend reports agentic Autopilot results across lenders[21]
Aug 11, 2026First United BankTransformation leader on technology as enterprise capability[57]
Aug 6, 2026ProsperityQ2 2026 10-Q repeats the AI risk bullet[58]
Aug 4, 2026GlacierQ2 2026 10-Q repeats the AI risk language[59]
Aug 4, 2026First Financial BanksharesSecond-quarter 10-Q has no AI reference[3]
Jul 29, 2026Texas CapitalSecond attempt to redomicile to Texas planned[60]
Jul 29, 2026ProsperityQ2 call: Stellar savings of $80-85 million wait for a March 2027 conversion[10]
Jul 24, 2026HilltopQ2 2026 10-Q has no AI language[61]
Disclosed AI programs among Texas banks

What AI have First Financial's Texas peers put into use?

The AI work each bank has described, with the scale disclosed and the date. A blank means nothing is disclosed, not that nothing exists.

BankWhat it hasWhenScale or result disclosed
First Financial BanksharesNone disclosed; in-house technology subsidiary, First Technology Services-Not disclosed[1][3]
Texas CapitalRanger in-house multi-LLM platform; employee agent builder; agents in loan operations and fraudApril 2026About 80% of employees used Ranger in four weeks; 280 employee-built agents[4]
FrostBlend digital account opening; LivePerson AI co-pilot in the contact center2024; August 202680% completion, 3% manual review; 91% satisfaction (vendor figure)[5][16]
Hilltop (PrimeLending)15 AI 'MoBots' that re-verify account information and validate processes in mortgage originationNovember 202415 tools over two years[6]
First UnitedAI in process improvement, user experience and leadership development; a director of AI program strategyDecember 2025; March 2026Partner in a $500,000 Southeastern AI workforce grant[62][17]
ProsperityReal-time core system (no AI feature named)February 2026Not disclosed[10]
How the group describes AI risk and oversight

How does First Financial's AI governance compare with its peers'?

What each bank's latest annual report or proxy says about AI. Disclosure language, not a measure of capability.

BankWhat the filing saysOversight namedFiling
First Financial BanksharesOne sentence: operational challenges in adopting, or failing to adopt, technology such as AI, including not realizing the anticipated benefits; the same wording since the 10-K filed February 2024A director nominee with AI experience; the CIO runs First Technology Services2025 10-K; 2026 proxy[1][63][8]
Texas CapitalGenerative-AI output errors, bias, limited model transparency, evolving AI law and dependence on third-party modelsAI governance program with a dedicated working group; board Technology Committee formed in Q1 20252025 10-K; 2026 proxy[64][18]
FrostUnintended consequences of AI, automation and algorithms; AI widening the cyber-attack surface; AI-enhanced fraudTechnology and Cybersecurity Committee chaired by a former Cloudflare field CTO approves technology budgets2025 10-K; 2026 proxy[65][66]
HilltopImplementing AI, machine learning and large language models can bring operational and internal-control risksThe proxy counts 'implementation of automation and artificial intelligence in a prudent manner' among 2025 achievements2025 10-K; 2026 proxy[35][67]
GlacierAI 'could significantly disrupt our business model'; AI-enabled attacks and state AI lawsNo AI committee or officer named2025 10-K; 2026 proxy[42][14]
Efficiency and technology spend

How does First Financial's technology spending and efficiency compare with its peers'?

Each bank's efficiency ratio and any technology spending signal it discloses. None publishes an AI budget.

BankEfficiency ratioTechnology spending signalPeriod
First Financial Bankshares45.94% (44.97% a year earlier)Noninterest expense $81.11 million against $71.74 million, with software amortization and professional fees among the driversQ2 2026[9]
Prosperity45.99% (59.2% in Q1 2026)Real-time core converted February 2026; further conversions into 2027Q2 2026[10]
Home BancShares40.46% adjusted$12.7 million of merger-related expenses after the Mountain Commerce closeQ2 2026[12][68]
Hilltop (PlainsCapital Bank)55%Technology, data platforms and AI 'where practical' included in 2026 expense guidanceQ2 2026; April 2026[11][69]
Glacier56.21% operating (63.05% in Q1 2026)Quarterly noninterest expense guidance $187 million to $192 millionQ2 2026[13]
Texas CapitalNot shown hereA capitalized technology project portfolio meant to cut expense or lift revenue; internal AI work shows in technology expenseQ1 2026[4]
The peer group

Which banks are First Financial Bankshares's peers, and why these?

First Financial Bankshares is compared here with Prosperity Bancshares, Cullen/Frost Bankers, Texas Capital Bancshares, Hilltop Holdings, Home BancShares (Centennial Bank), Glacier Bancorp, First United Bank & Trust (Spend Life Wisely Company) and Simmons First National Corporation: chosen by the editors for this page (see the note below the table). First Financial Bankshares is classed as a regional or retail-commercial bank in the Southwest.

The computed group included banks from Wisconsin, New York and Colorado; First Financial banks only in Texas, so this group holds the banks it meets there, from Prosperity (45 West Texas locations including Abilene) and Frost to Texas Capital, Hilltop's PlainsCapital, Home BancShares' 59 Texas branches and Glacier's Guaranty division, plus Simmons and First United from the adjoining Oklahoma-Arkansas region.

Common questions

Does First Financial Bank in Texas use AI?

Not on the public record. As of October 2026 First Financial Bankshares has named no AI tool, vendor, use case or budget. Its 2025 10-K mentions AI once, as a risk in adopting or failing to adopt it, and its six 10-Qs from November 2024 to August 2026 contain no AI term. It runs technology through its own subsidiary, First Technology Services.[1][2][3]

Is First Financial Bankshares behind Prosperity on AI?

Both disclose little, but Prosperity has more on the record: 40 on this site's index against First Financial's 0.9. Prosperity's disclosed technology is a real-time core system it converted to in February 2026. The two run almost identical efficiency ratios, 45.94% and 45.99% in Q2 2026.[10][9]

How does First Financial compare with Texas Capital on technology?

Texas Capital is the group's most active AI discloser: about 80% of employees use its in-house Ranger platform, staff had built 280 agents by April 2026, and it appointed a chief digital and information officer in July 2026. First Financial discloses no AI use; its technology chief, Tim Brown, came from USAA's innovation research unit in October 2025.[4][15][7]

Who runs technology at First Financial Bankshares?

Tim Brown, Executive Vice President and Chief Information Officer and CEO of First Technology Services, elected in October 2025 after more than 30 years at USAA and six at Johnson Financial Group. David Bailey became President and CEO on February 1, 2026. No AI officer is named; the board added a nominee with AI experience in March 2026.[7][70][8]

Does First Financial have a digital assistant like Frost's?

None is disclosed. Frost uses a LivePerson AI co-pilot for contact-center representatives, which the vendor says delivers 91% customer satisfaction, and its CEO has said AI will make banking apps simpler. First Financial's releases and filings describe no customer-facing AI.[16][20][1]

How does First Financial's spending compare with other Texas banks?

Its noninterest expense was $81.11 million in Q2 2026, up from $71.74 million, with software amortization and professional fees among the drivers, for a 45.94% efficiency ratio. Prosperity ran 45.99%, Home BancShares 40.46% and Hilltop's PlainsCapital 55%. None of the four reports a separate AI budget.[9][10][12][11]

Is First Financial Bankshares the same as First Financial Bank in Ohio?

No. First Financial Bankshares is based in Abilene, Texas and banks only in Texas, with 79 financial centers at the end of 2025. First Financial Bancorp is a separate bank based in Cincinnati, Ohio, with its own page on this site.[1]

Peers on this site
Prosperity AI strategy →How Prosperity Bancshares compares with its peers →Frost AI strategy →How Cullen/Frost Bankers compares with its peers →Texas Capital AI strategy →How Texas Capital Bancshares compares with its peers →PlainsCapital Bank AI strategy →How Hilltop Holdings compares with its peers →Centennial Bank AI strategy →How Home BancShares (Centennial Bank) compares with its peers →Glacier AI strategy →How Glacier Bancorp compares with its peers →First United Bank AI strategy →How First United Bank & Trust (Spend Life Wisely Company) compares with its peers →Simmons Bank AI strategy →How Simmons First National Corporation compares with its peers →
Deeper on First Financial Bankshares
First Financial Bank Texas AI strategy: the full profile →First Financial Bankshares competitors and alternatives →First Financial Bankshares AI profile →First Financial Bankshares competitors →Texas Capital AI profile →Frost AI profile →First Financial Bancorp (Ohio) AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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    First Financial Bankshares (SEC filing) · Feb 25, 2026
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    First Financial Bankshares (SEC filing) · May 5, 2026
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