First Financial Bankshares Inc. has renewed its revolving line of credit with Frost Bank, as per a First Amendment to its Amended and Restated Loan Agreement dated June 30, 2023. The agreement allows the company to draw up to $50 million on this unsecured line of credit, with interest paid quarterly at the U.S. prime rate. This line of credit will mature on June 30, 2027, and any outstanding balance by July 1, 2027, will convert into a term facility payable over five years. The Loan Agreement includes financial covenants requiring First Financial to maintain specific capital, profitability, and debt service coverage ratios, among others. Additionally, it restricts dividend payments to a maximum of 55% of consolidated net income and limits new debt and asset disposals. As of now, there have been no borrowings under this agreement in 2025, 2024, or 2023.