• First Financial Bankshares average return on tangible equity for 2023 was 21.83, a 10.14% decline from 2022.
• First Financial Bankshares average return on tangible equity for 2022 was 19.82, a 19.83% increase from 2021.
• First Financial Bankshares average return on tangible equity for 2021 was 16.54, a 7.68% increase from 2020.

Return on tangible equity can be defined as the amount of net income returned as a percentage of shareholders equity, after subtracting intangible assets, goodwill and preferred equity.