First Financial Bankshares, Inc. is a financial holding company that operates as a full-service commercial bank through wholly-owned subsidiaries in Texas, with banking roots dating back to the 1890s. The company provides a comprehensive range of banking services—including deposit accounts, commercial and consumer lending, trust and wealth management, and securities brokerage—primarily serving consumers, small businesses, corporations, and municipal entities across smaller and mid-sized Texas markets. Revenue is generated through net interest income from lending and deposit operations, combined with fee-based services from trust, wealth management, and brokerage activities; the company funds operations through customer deposits and subsidiary dividends, and pursues growth through organic expansion, de novo branching, and strategic acquisitions of well-managed regional banks aligned with its community-focused operating philosophy.