BanksFIRST FINANCIAL BANK

FIRST FINANCIAL BANK

ABILENE, TXRegionalEst. Jan. 1, 1889, midnightFDIC #3066RSSD #470050FED
Latest · 2025-12-31

FIRST FINANCIAL BANK is an 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%. CET1 capital ratio: 18.17%, well above regulatory minimums. NPL ratio: 0.67% · Texas Ratio: 3.00%. Operates 83 domestic branches.

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 Margin3.78%
Yield on Assets5.26%
Cost of Funds1.56%

Asset Quality

NPL Ratio0.67%
Net Charge-Off Ratio0.29%
Texas Ratio3.00%
NPA Ratio0.36%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio18.17%
Tier 1 Capital18.17%
Total Capital Ratio19.36%
Leverage Ratio11.43%
Loan-to-Deposit60.66%

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