First Financial Bank (El Dorado, AR): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at First Financial Bank. Based in El Dorado, Arkansas, it had $2.0 billion in assets at June 30, 2026, up 12.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.61% of loans from 0.93% a year earlier. It earns about $2.33 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 3.8 times the median of 3.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 13.8% and deposits rose 9.4%. Funding is the softer spot: it pays an average of 2.64% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, First Financial Bank reported a return on assets of 2.33%, a nonperforming-loan ratio of 3.64% and a Texas ratio of 13.43%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 300 East Peach Street, El Dorado, AR 71730
- County
- Union
- Metro Area
- El Dorado, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1934
- Former names
- First Financial Bank, A Federal Savings Bank (1988-1999); First Financial Federal Savings and Loan Association (1984-1988)
- Offices
- 19 domestic
- Employees (FTE)
- 334
- Domestic deposits
- $1.68B
- Allowance for credit losses
- $18.4M
- Net charge-offs (YTD)
- $1.7M
- Average total assets
- $1.98B
- Average total loans
- $1.69B
- Average interest-bearing deposits
- $1.41B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28905
- Fed RSSD
- 48374
- Website
- www.ffb1.com →
- Parent Holding Company
- FIRST FINANCIAL BANC CORPORATION (RSSD 2568102)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Financial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Financial Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Financial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Financial Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.15% | 2.33% | 3.64% | 13.43% | 4.53% |
| Q1 2026 | 11.20% | 2.07% | 3.41% | 12.99% | 4.18% |
| Q4 2025 | 11.03% | 1.69% | 2.64% | 9.66% | 4.40% |
| Q3 2025 | 11.41% | 2.01% | 2.02% | 7.93% | 4.42% |
| Q2 2025 | 11.52% | 2.64% | 1.90% | 8.95% | 4.54% |
| Q1 2025 | 11.19% | 2.00% | 2.64% | 8.97% | 4.08% |
| Q4 2024 | 10.95% | 2.21% | 2.28% | 6.40% | 4.21% |
| Q3 2024 | 11.09% | 1.83% | 2.64% | 7.35% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Financial Bank (main office) | El Dorado , AR | 71730 | $606.0M |
| Carthage Bank Branch | Carthage , MS | 39051 | $200.4M |
| Wynne Branch | Wynne , AR | 72396 | $162.7M |
| Senatobia Branch | Senatobia , MS | 38668 | $108.3M |
| Mccrory Branch | Mccrory , AR | 72101 | $102.7M |
| Harrisburg Branch | Harrisburg , AR | 72432 | $93.3M |
| Mena Main Branch | Mena , AR | 71953 | $92.8M |
| Timberlane Branch | El Dorado , AR | 71730 | $58.2M |
| 318 Griffith Street Branch | El Dorado , AR | 71730 | $55.2M |
| Washington Street Branch | El Dorado , AR | 71730 | $45.7M |
| Little Rock Branch | Little Rock , AR | 72207 | $40.4M |
| 122 West Seventh Street Branch | Smackover , AR | 71762 | $33.2M |
| Forrest City Branch | Forrest City , AR | 72335 | $29.0M |
| Ridgeview Branch | Wynne , AR | 72396 | $18.8M |
| East Main Branch | El Dorado , AR | 71730 | $18.7M |
| Cherry Valley Branch | Cherry Valley , AR | 72324 | $11.9M |
| Harrisburg Branch | Harrisburg , AR | 72432 | $971K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired The First National Bank of Wynne Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2006 | Structure Change | Acquired Cornerstone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for First Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in AR, rank 18 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 566 applications, 437 loans originated, $92.3M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 126 loans, $165.5M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Financial Bank
What are First Financial Bank's total assets?
As of the Q2 2026 filing, First Financial Bank reported total assets of $2.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Financial Bank headquartered?
First Financial Bank is headquartered in El Dorado, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Financial Bank founded?
First Financial Bank was established in 1934, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. First Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #28905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Financial Bank?
First Financial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Financial Bank operate?
First Financial Bank operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Financial Bank's Texas Ratio?
First Financial Bank's Texas Ratio is 13.43% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Financial Bank previously called?
The charter now named First Financial Bank has also operated as First Financial Bank, A Federal Savings Bank (1988-1999), First Financial Federal Savings and Loan Association (1984-1988), per FDIC structure-change records.
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