2nd Quarter 2026 Investor Presentation

• $15.3 billion financial holding company headquartered in Abilene, Texas

• Group of 8 separate bank regions

• Trust and Asset Management Company with 9 locations and manages approximately $12.2 billion in assets

• 136 year history

  Who We Are

  
  
  

  2025

  S&P GLOBAL TOP 50 PUBLIC BANKS

  
  
  BANK fi RST

  MEMBER FDIC

  One Bank, Eight Regions Concept

  • One Bank

    • Consolidation of credit, customer contact center, internal audit, accounting, technology, human resources, risk management, training, and compliance (drives lower efficiency ratio)

  • Eight Regions

    • Regional Presidents run their regions

    • Local Boards - Movers and shakers of the Community

      • Keep our regions locally focused

      • Make sure we meet the needs of the community

      • Help us make better loan decisions

      • Help us market the region

What Makes Us Different

https://www.ffin.com/locations

Diverse Footprint Across Texas

• Franklin: Branch of Bryan / College Station - August 2023

• Lumberton: Branch of Orange - December 2022

• Bryan / College Station: Office of Trust Company - September 2020

• Austin: Office of the Mortgage Company - January 2020

• Grand Parkway (Spring): Branch of Conroe - Opened January 2019

• Houston: Office of Trust Company - December 2018

• New Waverly: Branch of Huntsville - August 2014 (New Building -Opened December 2018)

• Beaumont: Branch of Orange - August 2014

  Recent De Novo Growth

  
  
  

  Bank	Key Markets
  Frost	San Antonio, Austin, Corpus Christi, DFW, Rio Grande, West Texas
  International Bancshares	Rio Grande, Houston, San Antonio, Oklahoma
  Origin Bancorp	Dallas, Louisiana
  Prosperity	Houston, DFW, Austin, West Texas, South Central Texas, Oklahoma
  Southside	East Texas, Fort Worth
  Texas Capital	DFW, Austin, San Antonio, Houston
  Triumph	Dallas
  South Plains Financial, Inc.	Lubbock, Dallas, Houston, West Texas
  Hilltop Holdings	DFW, Lubbock, Austin, San Antonio, Houston, Corpus Christi

  FFIN's Unique Positioning in Texas

  
  
  

  • Began CS1st initiative in 2005 with Dennis Snow (former Disney executive charged with Disney's customer experience).

  • Implemented the Service Improvement Team with ten distinct teams with various strategic objectives.

  • Key Successes

    • Established a robust employee recognition program

    • Developed a centralized team to address system and process obstacles

    • Designed and implemented a nationally recognized Financial Exploitation program

    • Day of Service (Completed 10th Annual on October 13th, 2025)

      • First Financial Bank's Day of Service, a community impact initiative we launched 10 years ago, expanded statewide in 2025 through a partnership with the Texas Bankers Association, increasing volunteer service across Texas communities.

    • Have transitioned what began as a service initiative into a culture of service excellence

  • Since 2019, the Company has partnered with Horst Schulze (co-founder and former COO of the Ritz-Carlton Hotel Company) to further enhance the Company's culture by developing:

    • Defined Clear Vision and Mission Statements

    • 21 Service Non-negotiables

    • Daily Line-Ups

    • Train-the-trainer sessions for all branch managers (over 300 employees spent 2 days in training)

    • Incorporated into new employee orientation

Customer Service First (CS1st)

Years with Company Years in Industry

Executive Management Team at First Financial

Years with Company Years in Industry

Executive Management Team at First Financial

Years with Company Years in Industry

Senior Leadership

Years with Company Years in Industry

Line of Businesses Executives

Years with Company Years in Industry

Line of Businesses Executives

Years with Company Years in Industry

Experienced Regional CEOs & Presidents

*As of June 30, 2026

$13,102 $12,974 $13,106 $13,979

$15,446 $15,306*

2021 2022 2023 2024 2025 2026

Total Asset Growth

(in millions)

*As of June 30, 2026

$10,566

$11,006

$11,138

$12,099

$6,786

$6,944

$7,703

$8,751

$9,945

$9,641

$3,780

$4,062

$3,435

$3,348

$3,401

$3,479

$13,346

$13,120*

Total Deposit Growth

(in millions)

Time

6.6%

Money

Market 20.0%

Non-interest

bearing checking 26.5%

NOW &

Savings 46.9%

Deposit Products - $13.1 Billion

*As of June 30, 2026

$5,427

$6,454

$7,163

$7,921 $8,188 $8,371*

Total Loan Growth

Agriculture 0.98%

Real Estate - Farm 4.13%

Real Estate - C&D

14.27% Municipal

5.02% Real Estate - Non Owner 9.97%

Real Estate - Owner 13.71%

Commercial 13.03%

Consumer - Non-Auto 1.77%

Consumer - Auto 9.30%

Real Estate - Residential 27.82%

Overview of Loan Portfolio - $8.4 Billion