# First Financial Bankshares vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers
Last updated: Oct 19, 2026

*Part of the [First Financial Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/first-financial-bankshares). Peer group: Prosperity Bancshares, Cullen/Frost Bankers, Texas Capital Bancshares, Hilltop Holdings, Home BancShares (Centennial Bank), Glacier Bancorp, First United Bank & Trust (Spend Life Wisely Company), Simmons First National Corporation.*

## 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%). ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526206412/ffin-20260331.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-announces-the-election-of-tim-brown-as-chief-information-officer-and-transition-of-john-ruzicka-to-chief-banking-operations-officer-302591920.html), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526095645/ffin-20260306.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html))

## Where does First Financial Bankshares lead its peers on AI?

- **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. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-glacier-bancorp-posts-q2-2026-profit-beat-93CH-4812214), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html))
- **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. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526095645/ffin-20260306.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000030/gbci-20260312.htm))
- **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. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-announces-the-election-of-tim-brown-as-chief-information-officer-and-transition-of-john-ruzicka-to-chief-banking-operations-officer-302591920.html), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))

## Where does First Financial Bankshares trail its peers on AI?

- **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. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- **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. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy))
- **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. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))
- **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. ([First Financial Bankshares (PR Newswire)](https://prnewswire.com/news-releases/first-financial-bankshares-announces-third-quarter-2025-earnings-302593264.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | [30.7](https://www.bankingnewsai.com/banks/ai-index) | #87 of 120 | [8](https://www.bankingnewsai.com/banks/hilltop#sources) | [9](https://www.bankingnewsai.com/banks/hilltop#sources) | [6 of 9](https://www.bankingnewsai.com/banks/hilltop#where) | [10](https://www.bankingnewsai.com/banks/hilltop#timeline) | Not disclosed |
| [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | [26.7](https://www.bankingnewsai.com/banks/ai-index) | #93 of 120 | [5](https://www.bankingnewsai.com/banks/first-united#sources) | [13](https://www.bankingnewsai.com/banks/first-united#sources) | [8 of 10](https://www.bankingnewsai.com/banks/first-united#where) | [12](https://www.bankingnewsai.com/banks/first-united#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#timeline) | Not disclosed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |
| [First Financial Bankshares (this page)](https://www.bankingnewsai.com/banks/first-financial-bankshares) | [0.9](https://www.bankingnewsai.com/banks/ai-index) | #120 of 120 | [2](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [17](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [0 of 1](https://www.bankingnewsai.com/banks/first-financial-bankshares#where) | [12](https://www.bankingnewsai.com/banks/first-financial-bankshares#timeline) | Not disclosed |

## 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 Bankshares | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 2 | 6 | [Hilltop (8)](https://www.bankingnewsai.com/banks/hilltop) | 9th of 9 |
| Use cases in production (10%) | 0 | 7 | [Texas Capital (8)](https://www.bankingnewsai.com/banks/texas-capital) | 9th of 9 |
| Own primary disclosures (10%) | 17 | 16 | [Simmons Bank (22)](https://www.bankingnewsai.com/banks/simmons) | 3rd of 9 |
| Dated moves, last 12 months (10%) | 12 | 17 | [Texas Capital (21)](https://www.bankingnewsai.com/banks/texas-capital) | 7th of 9 |
| Disclosed numbers (5%) | 9 | 12.5 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 9th of 9 |
| Named AI leaders (5%) | 6 | 8 | [Frost (12)](https://www.bankingnewsai.com/banks/frost) | 6th of 9 |
| Use cases described (5%) | 1 | 10 | [Texas Capital (12)](https://www.bankingnewsai.com/banks/texas-capital) | 9th of 9 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [6, incl. David Bailey (President and CEO)](https://www.bankingnewsai.com/banks/first-financial-bankshares#people) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) | Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | Not disclosed | Not surveyed |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/hilltop#people) ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) | PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024) ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | Not disclosed | Not surveyed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#roles) |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |
| [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | Not disclosed | [10, incl. Greg Massey (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-united#people) ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) | Employees (FDIC call report): 1,886 (end-2023: 1,945) (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20)) | Not disclosed | Not surveyed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 7, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| Sep 29, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Sep 10, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Business fraud-awareness guidance ([First United Bank](https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 11, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Transformation leader on technology as enterprise capability ([Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 4, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Second-quarter 10-Q has no AI reference ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 24, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | Q2 2026 10-Q has no AI language ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm)) |

## 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.

| Bank | What it has | When | Scale or result disclosed |
| --- | --- | --- | --- |
| First Financial Bankshares | None disclosed; in-house technology subsidiary, First Technology Services | - | Not disclosed ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Texas Capital | Ranger in-house multi-LLM platform; employee agent builder; agents in loan operations and fraud | April 2026 | About 80% of employees used Ranger in four weeks; 280 employee-built agents ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Frost | Blend digital account opening; LivePerson AI co-pilot in the contact center | 2024; August 2026 | 80% completion, 3% manual review; 91% satisfaction (vendor figure) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy)) |
| Hilltop (PrimeLending) | 15 AI 'MoBots' that re-verify account information and validate processes in mortgage origination | November 2024 | 15 tools over two years ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) |
| First United | AI in process improvement, user experience and leadership development; a director of AI program strategy | December 2025; March 2026 | Partner in a $500,000 Southeastern AI workforce grant ([Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| Prosperity | Real-time core system (no AI feature named) | February 2026 | Not disclosed ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |

## 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.

| Bank | What the filing says | Oversight named | Filing |
| --- | --- | --- | --- |
| First Financial Bankshares | One 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 2024 | A director nominee with AI experience; the CIO runs First Technology Services | 2025 10-K; 2026 proxy ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017024019528/ffin-20231231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526095645/ffin-20260306.htm)) |
| Texas Capital | Generative-AI output errors, bias, limited model transparency, evolving AI law and dependence on third-party models | AI governance program with a dedicated working group; board Technology Committee formed in Q1 2025 | 2025 10-K; 2026 proxy ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm)) |
| Frost | Unintended consequences of AI, automation and algorithms; AI widening the cyber-attack surface; AI-enhanced fraud | Technology and Cybersecurity Committee chaired by a former Cloudflare field CTO approves technology budgets | 2025 10-K; 2026 proxy ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000023/cfr-20260320.htm)) |
| Hilltop | Implementing AI, machine learning and large language models can bring operational and internal-control risks | The proxy counts 'implementation of automation and artificial intelligence in a prudent manner' among 2025 achievements | 2025 10-K; 2026 proxy ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926053118/hth-20260723xdef14a.htm)) |
| Glacier | AI 'could significantly disrupt our business model'; AI-enabled attacks and state AI laws | No AI committee or officer named | 2025 10-K; 2026 proxy ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000030/gbci-20260312.htm)) |

## 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.

| Bank | Efficiency ratio | Technology spending signal | Period |
| --- | --- | --- | --- |
| First Financial Bankshares | 45.94% (44.97% a year earlier) | Noninterest expense $81.11 million against $71.74 million, with software amortization and professional fees among the drivers | Q2 2026 ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) |
| Prosperity | 45.99% (59.2% in Q1 2026) | Real-time core converted February 2026; further conversions into 2027 | Q2 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Home BancShares | 40.46% adjusted | $12.7 million of merger-related expenses after the Mountain Commerce close | Q2 2026 ([Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html)) |
| Hilltop (PlainsCapital Bank) | 55% | Technology, data platforms and AI 'where practical' included in 2026 expense guidance | Q2 2026; April 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-q1-2026-beats-eps-expectations-93CH-4635919)) |
| Glacier | 56.21% operating (63.05% in Q1 2026) | Quarterly noninterest expense guidance $187 million to $192 million | Q2 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-glacier-bancorp-posts-q2-2026-profit-beat-93CH-4812214)) |
| Texas Capital | Not shown here | A capitalized technology project portfolio meant to cut expense or lift revenue; internal AI work shows in technology expense | Q1 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |

## 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. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526206412/ffin-20260331.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm))

### 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. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html))

### 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-announces-the-election-of-tim-brown-as-chief-information-officer-and-transition-of-john-ruzicka-to-chief-banking-operations-officer-302591920.html))

### 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. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-announces-the-election-of-tim-brown-as-chief-information-officer-and-transition-of-john-ruzicka-to-chief-banking-operations-officer-302591920.html), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-inc-first-financial-bank-announce-promotion-of-david-bailey-to-ceo-302672963.html), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526095645/ffin-20260306.htm))

### 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. ([Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy), [Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

### 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. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942))

### 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. ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm))

## Peers on this site

- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)
- [First United Bank & Trust (Spend Life Wisely Company) AI strategy](https://www.bankingnewsai.com/banks/first-united) · [vs peers](https://www.bankingnewsai.com/banks/first-united/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)

## Sources

1. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bankshares (SEC filing), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm
2. First Financial Bankshares, Inc. Form 10-Q for the quarter ended March 31, 2026 — First Financial Bankshares (SEC filing), May 5, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526206412/ffin-20260331.htm
3. First Financial Bankshares, Inc. Form 10-Q for the quarter ended June 30, 2026 — First Financial Bankshares (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm
4. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
5. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
6. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
7. FIRST FINANCIAL BANK ANNOUNCES THE ELECTION OF TIM BROWN AS CHIEF INFORMATION OFFICER AND TRANSITION OF JOHN RUZICKA TO CHIEF BANKING OPERATIONS OFFICER — First Financial Bankshares (PR Newswire), Oct 22, 2025. https://www.prnewswire.com/news-releases/first-financial-bank-announces-the-election-of-tim-brown-as-chief-information-officer-and-transition-of-john-ruzicka-to-chief-banking-operations-officer-302591920.html
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9. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
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11. Earnings call transcript: Hilltop Holdings tops Q2 2026 estimates, shares rise — Investing.com, Jul 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-hilltop-holdings-tops-q2-2026-estimates-shares-rise-93CH-4811942
12. Record Revenue and Successful Mountain Commerce Bancorp Acquisition Drive Strong Second Quarter Results for HOMB — Home BancShares (GlobeNewswire), Jul 15, 2026. https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html
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15. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer — Texas Capital, Jul 13, 2026. https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer
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21. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
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29. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
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31. Prosperity blames loan-growth woes on newcomers' pricing — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing
32. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
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34. Texas Capital, buoyed by turnaround, to pay first-ever dividend — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend
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36. Home ends dry spell with $150M deal for Tennessee bank — American Banker, Dec 8, 2025. https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank
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40. Glacier Bancorp to acquire Texas bank in $476 million deal — American Banker, Jun 25, 2025. https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal
41. Glacier in Montana takes prolific acquisition strategy to Idaho — American Banker, Jan 14, 2025. https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho
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50. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
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