FIRST FINANCIAL BANK

EL DORADO, AR | Large | Est. April 1, 1934, midnight | FDIC #28905 | RSSD #48374 | FED
Latest Report: 2025-12-31

FIRST FINANCIAL BANK is aln large FDIC-insured commercial bank headquartered in EL DORADO, AR, established in April 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $1.9B and total deposits of $1.6B. Profitability stands at 1.69% ROA and 14.48% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 9.59%. Asset quality metrics show a non-performing loan ratio of 2.61% and a Texas Ratio of 19.02%. FDIC Certificate #28905.

Assets

$1.9B

Deposits

$1.6B

Loans

$1.6B

Equity

$222M

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 14.48%
Net Interest Margin (NIM) 4.50%
Yield on Assets 7.09%
Cost of Funds 3.24%

Asset Quality

NPL Ratio 2.61%
Net Charge-Off Ratio 0.20%
Texas Ratio 19.02%
NPA Ratio 2.39%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 9.59%
Tier 1 Capital 9.59%
Total Capital Ratio 10.07%
Leverage Ratio 11.03%
Loan-to-Deposit 100.50%

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