FFIN · CIK 36029
What First Financial Bankshares, Inc. told the SEC could break it.
1 self-disclosed vulnerability, pulled from its own filings, each in the company’s words, with the source. This is the risk register almost nobody reads.
A limited set so far, we surface every cited disclosure we’ve extracted for FFIN. More may follow as additional filings are processed.
In its own words
What could break it.
Commodity & input dependence
- Oil & gas price exposure via trust fees and the Texas economylow
First Financial has a modest but direct oil & gas price linkage: about 14% of its trust fees in 2025 came from managing oil & gas properties, so a sustained oil/gas price decline would reduce trust income; its broader Texas markets are also oil-sensitive (oil & gas loans are ~3.86% of loans, which it characterizes as not significant). A prolonged energy downturn could weaken its Texas economy and credit conditions.
“as approximately 14% of trust fees came from management of oil and gas properties in 2025, a decline in the prices of oil and gas could lead to a loss of our trust income.”
In the MyPRIA app, this is checked against the companies you actually own.
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