FIRST FINANCIAL BANK

BESSEMER, AL | Small | Est. May 17, 1965, midnight | FDIC #19440 | RSSD #292234 | FDIC
Latest Report: 2025-12-31

FIRST FINANCIAL BANK is asn small FDIC-insured commercial bank headquartered in BESSEMER, AL, established in May 17, 1965, midnight. As of 2025-12-31, the bank reported total assets of $245M and total deposits of $237M. Profitability stands at 1.14% ROA and 39.49% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 15.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 3.87%. FDIC Certificate #19440.

Assets

$245M

Deposits

$237M

Loans

$129M

Equity

$7M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 39.49%
Net Interest Margin (NIM) 3.67%
Yield on Assets 4.69%
Cost of Funds 0.97%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.04%
Texas Ratio 3.87%
NPA Ratio 0.14%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 15.29%
Tier 1 Capital 15.29%
Total Capital Ratio 16.15%
Leverage Ratio 10.31%
Loan-to-Deposit 54.35%

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