First Financial Bankshares is a Texas-based community bank holding company that operates through its primary subsidiary, First Financial Bank. The company provides standard commercial banking services — deposits, loans, and related financial services — to consumers, small businesses, corporations, and government entities across 79 branch locations in Central, North Central, Southeast, and West Texas. First Financial targets smaller and mid-size markets, including exurban and rural areas around the major Texas metros and Interstate corridors, where it aims to be a dominant local institution. Beyond core banking, First Financial operates a trust and wealth management business (First Financial Trust & Asset Management, active since 1927) and an insurance agency. First Financial makes money primarily on the spread between interest earned on loans and investments and interest paid on deposits, supplemented by fees from trust, wealth management, and mortgage banking. The company keeps back-office functions centralized while maintaining local presidents and regional advisory boards across eight banking regions. First Financial has grown from $1.57B to $15.45B in assets since 1997 through organic growth, new branches, and fourteen acquisitions. Its stated acquisition target is banks between $1B and $5B in assets, focused exclusively on Texas markets. The company is well-capitalized, giving it flexibility for further acquisitions.