• First Financial Bankshares average pre-tax profit margin for 2023 was 43%, a 15.09% decline from 2022.
• First Financial Bankshares average pre-tax profit margin for 2022 was 50.64%, a 4% decline from 2021.
• First Financial Bankshares average pre-tax profit margin for 2021 was 52.75%, a 15.1% decline from 2020.

Pre-tax profit margin can be defined as earnings before taxes as a portion of total revenue.