FIRST FINANCIAL BANK

ABILENE, TX | Regional | Est. Jan. 1, 1889, midnight | FDIC #3066 | RSSD #470050 | FED
Latest Report: 2025-12-31

FIRST FINANCIAL BANK is arn regional FDIC-insured commercial bank headquartered in ABILENE, TX, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $15.4B and total deposits of $13.5B. Profitability stands at 1.82% ROA and 16.34% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 18.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.67% and a Texas Ratio of 3.00%. FDIC Certificate #3066.

Assets

$15.4B

Deposits

$13.5B

Loans

$8.2B

Equity

$1.7B

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 16.34%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.26%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.67%
Net Charge-Off Ratio 0.29%
Texas Ratio 3.00%
NPA Ratio 0.36%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 18.17%
Tier 1 Capital 18.17%
Total Capital Ratio 19.36%
Leverage Ratio 11.43%
Loan-to-Deposit 60.66%

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