THE FIRST FINANCIAL BANKSHARES INC 401K PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN & TRUST Investment Options

Available Funds in THE FIRST FINANCIAL BANKSHARES INC 401K PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

Below is the lineup of investment options available to participants in THE FIRST FINANCIAL BANKSHARES INC 401K PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN & TRUST. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.

When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.

Total Available Funds: 205
Investment Description
Financial Square Government Trust Fund
FNA 2023-M5 2A2 due July 2028
Pool #AL2527 due August 1, 2032
Pool #AL4688 due January 1, 2042
Pool #AS8018 due September 1, 2031
Pool #BL5322 due January 1, 2030
Pool #BM1045 due March 1, 2032
Pool #BM1599 due March 1, 2032
Pool #BM1878 due October 1, 2037
Pool #BN6579 due April 1, 2034
Pool #BZ1834 due September 1, 2029
Pool #BZ1925 due September 1, 2029
Pool #CA1828 due May 1, 2033
Pool #FM1300 due July 1, 2034
Pool #FS2826 due September 1, 2042
Pool #FS2873 due August 1, 2042
Pool #FS6644 due January 1, 2044
Pool #MA0675 due February 1, 2041
Pool #MA1481 due June 1, 2028
Pool #MA1580 due September 1, 2028
Pool #MA3771 due September 1, 2039
Pool #MA4288 due March 1, 2041
Super Int due October 1, 2043
Pool #A70226 due July 1, 2037
Pool #C91413 due December 1, 2031
Pool #G16262 due July 1, 2032
Pool #G18519 due July 1, 2029
Pool #G30840 due June 1, 2034
Pool #G31087 due July 1, 2038
Pool #J26920 due January 1, 2029
Pool #U69916 due September 1, 2029
Pool #U89009 due September 1, 2032
Pool #U95027 due July 1, 2042
Pool #U99123 due March 1, 2044
FHMS #K077 AM due May 25, 2028
FHMS #K160 A1 due October 25, 2032
FHMS #K523 AS due April 25, 2029
FHMS #K531 AS due September 25, 2029
FHMS #K752 A2 due July 25, 2030
Pool #RA7926 due September 1, 2052
Pool #RB5163 due May 1, 2042
Pool #RB5198 due December 1, 2042
Pool #RB5207 due January 1, 2043
Pool #SC0122 due February 1, 2041
Pool #SC0344 due March 1, 2043
Pool #SD1672 due October 1, 2052
Pool #SD4438 due July 1, 2049
Pool #WN2559 due January 1, 2029
Pool #WN5066 due August 1, 2029
Pool #ZS4662 due May 1, 2046
2019-S68 A10F due September 25, 2029
GNR 2024-H08 FM due April 20, 2074
GNR 2024-H06 FA due May 20, 2074
due February 15, 2041
due August 1, 2029
due February 1, 2026
due February 1, 2028
due February 15, 2027
due February 1, 2035
due December 15, 2030
due January 15, 2028
due November 5, 2027
due January 31, 2035
due February 15, 2029
due November 1, 2028
due July 22, 2027
due July 22, 2028
due January 10, 2030
due January 30, 2031
due May 15, 2037
due January 30, 2030
due November 1, 2031
due May 15, 2028
due July 15, 2027
due November 18, 2029
due April 15, 2032
due October 21, 2027
due May 1, 2029
due July 23, 2029
due June 14, 2030
due March 15, 2041
due December 1, 2031
due March 1, 2035
due April 15, 2030
due April 15, 2033
due August 15, 2027
due January 23, 2030
due December 1, 2028
due May 1, 2027
due September 1, 2033
due April 1, 2040
due May 6, 2030
due May 15, 2029
due September 15, 2033
due September 15, 2029
due September 15, 2028
due April 15, 2027
due August 15, 2025
due November 1, 2025
due September 11, 2029
due July 17, 2026
Abbott Laboratories 9,348 shares
Adobe, Inc. 3,761 shares
Advanced Micro Devices, Inc. 5,773 shares
AES Corp. 6,580 shares
Alphabet, Inc. 31,755 shares
Amazon.com, Inc. 16,624 shares
American Electric Power Co., Inc. 13,181 shares
American Tower Corp. 3,104 shares
Amgen, Inc. 6,044 shares
Apple, Inc. 30,525 shares
Bank of America Corp. 34,883 shares
BlackRock, Inc. 2,362 shares
Blackstone, Inc. 2,221 shares
Booking Holdings, Inc. 30 shares
Broadcom, Inc. 12,943 shares
Camden Property Trust 3,605 shares
Chart Industries, Inc. 2,062 shares
Chevron Corp. 23,161 shares
Cisco Systems, Inc. 19,718 shares
Citigroup, Inc. 16,865 shares
The Coca-Cola Co. 35,945 shares
Comcast Corp. 19,214 shares
ConocoPhillips 18,208 shares
Danaher Corp. 4,383 shares
Eaton Corp. 4,330 shares
Equinix, Inc. 143 shares
First Financial Bankshares, Inc. 1,972,996 shares
Generac Holdings, Inc. 887 shares
The Home Depot, Inc. 2,595 shares
Honeywell International, Inc. 14,081 shares
Incyte Corp. 2,204 shares
Intuitive Surgical, Inc. 242 shares
Invitation Homes, Inc. 42,038 shares
Johnson & Johnson 27,838 shares
JPMorgan Chase & Co. 27,691 shares
Lam Research Corp. 1,590 shares
Lamb Weston Holdings, Inc. 7,408 shares
Lockheed Martin Corp. 2,449 shares
Lowe's Companies, Inc. 4,672 shares
Lululemon Athletica, Inc. 162 shares
Mastercard, Inc. 5,221 shares
McDonald's Corp. 8,796 shares
Medtronic Plc 31,053 shares
Merck & Co, Inc. 24,584 shares
Meta Platforms, Inc. 5,730 shares
Microsoft Corp. 20,602 shares
Mondelez International, Inc. 45,778 shares
Neurocrine Biosciences, Inc. 1,365 shares
NextEra Energy, Inc. 28,381 shares
NiSource, Inc. 23,554 shares
Novartis AG Sponsored ADR 4,350 shares
NVIDIA Corp. 18,762 shares
Palo Alto Networks, Inc. 1,918 shares
PepsiCo, Inc. 15,845 shares
Pfizer, Inc. 36,497 shares
Realty Income Corp. 18,158 shares
Roper Technologies, Inc. 160 shares
S&P Global, Inc. 2,494 shares
Salesforce, Inc. 5,194 shares
Schlumberger NV 11,816 shares
ServiceNow, Inc. 1,775 shares
SPDR Bloomberg 1-3 Month T-Bill ETF 2,028 shares
Starbucks Corp. 7,014 shares
Tesla, Inc. 313 shares
Union Pacific Corp. 1,857 shares
United Therapeutics Corp. 543 shares
UnitedHealth Group, Inc. 3,591 shares
Walmart, Inc. 21,786 shares
Williams Cos, Inc. 34,648 shares
Workday, Inc. 2,948 shares
Blackrock Incm Fund I 36,581 units
BNY Mellon Midcap Index Fund 121,982 units
Dodge & Cox Income Fund 43,268 units
Federated Government Ultra Short Ins 7,572 units
Fidelity Balanced Fund N/A 107,815 units
Hartford Midcap Fd Cl A 93,179 units
Invesco International Small-Mid Co. Fund 56,453 units
Invesco Oppenheimer Intl Small-Mid Co. Fund 39,621 units
iShares Core S&P Mid-Cap ETF 192,337 units
iShares Core S&P Small-Cap ETF 24,333 units
iShares Transportation Average ETF 23,370 units
JPMorgan Small Cap Equity Fund Class I 30,386 units
JPMorgan Small Cap Equity Fund 43,639 units
Schwab Intl Index Fd 20,438 units
Schwab Small Cap Index Select 37,672 units
SPDR S&P Regional Banking ETF 29,090 units
Utilities Select Sector SPDR Fund 48,319 units
Vanguard 500 Index Fund Admiral 21,324 units
Vanguard Developed Mkts Index Adm 36,104 units
Vanguard Energy Index Admiral Fund 13,536 units
Vanguard FTSE Developed Markets ETF 266,796 units
Vanguard FTSE Emerging Markets ETF 110,605 units
Vanguard Emrg Mkts Stk Index Fd Adm 20,790 units
Vanguard Growth Index Fund Admiral 11,583 units
Vanguard Interm Term Inv Grade Fund 68,547 units
Vanguard Interm Term Corp Bond ETF 15,212 units
Vanguard Long Term Inv Grade Inv 80,704 units
Vanguard Long-Term Treasury ETF 14,943 units
Vanguard Mortgage-Backed Securities ETF 63,498 units
Vanguard Short-Term Corporate Bond ETF 26,054 units
Vanguard Short-Term Invst Grade Adm 39,356 units
Vanguard Short-Term Treasury ETF 13,865 units
Vanguard Value Index Admiral 7,635 units
Mineral Interests

Click to view the investment model portfolios of this plan ►

How to Build a Smart Portfolio in Your 401(k)

Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:

  1. Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
  2. Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
  3. Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
  4. Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
  5. Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.

Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.

Model Asset Allocation Portfolios

Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in THE FIRST FINANCIAL BANKSHARES INC 401K PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN & TRUST. See Asset Allocation Portfolio Templates for a detailed guide.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Common Inception
Four Core Asset Portfolio 4.74% 18.86% 12.42% 5.72% 8.01% 7.30% 6.92% … …
Five Core Asset Portfolio 4.70% 18.79% 12.38% 5.55% 7.97% 7.19% 6.94% … …
Three Core Asset Portfolio 4.57% 19.80% 13.11% 6.19% 8.52% 7.64% 7.10% … …
Two Core Asset Portfolio 3.87% 19.18% 13.68% 6.85% 9.34% 8.84% 7.95% … …
Yale Endowment Template 5.35% 17.45% 11.87% 5.56% 8.33% 7.96% 7.55% … …
S&P 500 Index 5.96% 30.43% 21.65% 12.98% 15.09% 13.73% 10.93% … …
Data as of 05/01/2026, Common starting date is 12/31/2000

Test your portfolio


Enter the funds you have chosen from this plan along with their weights, and see how such a portfolio has performed historically.

Click for portfolio calculator

Get Key Insights for This Plan

Join our community and get data-driven insights about THE FIRST FINANCIAL BANKSHARES INC 401K PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN & TRUST. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.

Notify Me When Ratings Go Live

Explore More Plan Resources

Plan Login Directory Employer Match Guide Rollover Options Hub

Recent Articles

More Articles

Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell

Get Started

Looking for ideas to generate income?

  • ETF or mutual fund income portfolios for 4-7% annual income
  • Dividend stock funds
  • Passive real estate investments
  • more …

Click for tips and plans for income

Portfolio Calculator (Simulator)

Quickly enter fund allocation and get a back test result on the performance of this ‘lazy’ portfolio.

Customize Asset Allocation Portfolios

Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

Retirement Calculator

See how much you can save for retirement.

Investment Calculator

Grow your wealth and see the power of compounding.


Looking for a (forgotten) 401(k)?

Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …

Keep researching THE FIRST FINANCIAL BANKSHARES INC 401K PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.

Related Calculators

Related Plans