First Financial Bank, N.A.: 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, N.A.. The Terre Haute, Indiana bank had $6.2 billion in assets at June 30, 2026, up 10.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.25% a year earlier. It grew its loan book 14.7% over the year, 2.5 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.32 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Loans are outrunning deposits: over the year loans rose 14.7% and deposits rose 3.5%. The non-owner-occupied commercial real estate book ($993 million) is worsening: 1.55% of it is past due or on nonaccrual, up from 0.09% a year earlier.
As of June 30, 2026, First Financial Bank, N.A. reported a CET1 capital ratio of 12.62%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.70%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 First Financial Plz, Terre Haute, IN 47807
- County
- Vigo
- Metro Area
- Terre Haute, IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 3, 1863
- Offices
- 83 domestic
- Employees (FTE)
- 943
- Domestic deposits
- $4.85B
- Allowance for credit losses
- $50.9M
- Net charge-offs (YTD)
- $4.2M
- Average total assets
- $6.27B
- Average total loans
- $4.37B
- Average interest-bearing deposits
- $3.55B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4382
- Fed RSSD
- 693345
- SEC CIK
- 714562 → filed by FIRST FINANCIAL CORPORATION
- Website
- www.first-online.bank →
- Parent Holding Company
- FIRST FINANCIAL CORPORATION (RSSD 1208595) · THFF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Norman L Lowery | CHR | EXECUTIVE CHAIRMAN |
| Norman D Lowery | PRES | PRESIDENT & C.E.O. |
| Mchargue Rodger Allen | CFO | CHIEF FINANCIAL OFFICER |
| Stephen P Panagouleas | CCO | CHIEF CREDIT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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.
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, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Financial Bank, N.A., 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Financial Bank, N.A. 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.
Banks merged into First Financial Bank, N.A.
- CedarStone Bank, effective March 1, 2026
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.62% | 1.48% | 0.55% | 4.80% | 4.32% |
| Q1 2026 | 12.32% | 1.31% | 0.64% | 5.11% | 4.25% |
| Q4 2025 | 13.11% | 1.54% | 0.35% | 2.70% | 4.61% |
| Q3 2025 | 13.05% | 1.48% | 0.46% | 3.71% | 4.17% |
| Q2 2025 | 12.80% | 1.35% | 0.23% | 2.19% | 4.06% |
| Q1 2025 | 12.95% | 1.35% | 0.27% | 2.36% | 4.02% |
| Q4 2024 | 12.76% | 1.20% | 0.33% | 3.11% | 13.62% |
| Q3 2024 | 12.63% | 0.73% | 0.37% | 3.03% | 3.76% |
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 82 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Financial Bank, N.A. (main office) | Terre Haute , IN | 47807 | $730.5M |
| Springhill Branch | Terre Haute , IN | 47802 | $249.0M |
| Meadows Center Branch | Terre Haute , IN | 47803 | $173.2M |
| Sullivan Branch | Sullivan , IN | 47882 | $161.9M |
| Fort Harrison Branch | Terre Haute , IN | 47804 | $149.0M |
| Vincennes Branch | Vincennes , IN | 47591 | $130.9M |
| Rockville Branch | Rockville , IN | 47872 | $127.1M |
| Simplybank Branch | Dayton , TN | 37321 | $124.8M |
| Washington Indiana Banking Center | Washington , IN | 47501 | $122.6M |
| First National Bank of Danville Branch | Danville , IL | 61832 | $108.7M |
| Robinson Branch | Robinson , IL | 62454 | $104.2M |
| Sycamore Terrace Banking Center Branch | Terre Haute , IN | 47803 | $103.9M |
| Cayuga Branch | Cayuga , IN | 47928 | $94.1M |
| Fulton Branch | Fulton , KY | 42041 | $86.5M |
| Worthington Branch | Worthington , IN | 47471 | $83.8M |
| Lebanon Main Branch | Lebanon , TN | 37087 | $81.0M |
| Main Street Branch | Murray , KY | 42071 | $68.8M |
| Brazil Eastside Banking Center | Brazil , IN | 47834 | $68.6M |
| North Vermilion Office Branch | Danville , IL | 61832 | $67.9M |
| Clarksville 2 Branch | Clarksville , TN | 37043 | $66.4M |
| Hawesville Branch | Hawesville , KY | 42348 | $63.7M |
| Marshall, Il Branch | Marshall , IL | 62441 | $63.0M |
| Crown Hill Branch | Clinton , IN | 47842 | $59.8M |
| Brazil So. 59 Branch | Brazil , IN | 47834 | $59.4M |
| 6th & Lincoln - Charleston Branch | Charleston , IL | 61920 | $58.4M |
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 |
|---|---|---|---|
| March 1, 2026 | M&A | Acquired CedarStone Bank merger for the acquired bank | SEC |
| March 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2026 | Structure Change | Acquired CedarStone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2024 | M&A | Acquired SimplyBank. merger for the acquired bank | SEC |
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | Structure Change | Acquired SimplyBank. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2022 | M&A | Acquired The Morris Plan Company of Terre Haute merger for the acquired bank | SEC |
| February 21, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2022 | Structure Change | Acquired The Morris Plan Company of Terre Haute Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2021 | M&A | Acquired Hancock Bank & Trust Company merger for the acquired bank | SEC |
| November 6, 2021 | Structure Change | Acquired Hancock Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 2019 | M&A | Acquired Heritage Bank USA, Inc. merger for the acquired bank | SEC |
| July 27, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 2019 | Structure Change | Acquired Heritage Bank USA, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2011 | M&A | Acquired Freestar Bank, National Association merger for the acquired bank | SEC |
| December 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2011 | Structure Change | Acquired Freestar Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2009 | M&A | Acquired First National Bank of Danville failure_government_assistance_provided for the acquired bank | SEC |
| July 3, 2009 | Structure Change | Acquired First National Bank of Danville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 10, 2005 | M&A | Acquired First Community Bank, National Association merger for the acquired bank | SEC |
| September 10, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2005 | Structure Change | Acquired First Community Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2005 | M&A | Acquired First Crawford State Bank merger for the acquired bank | SEC |
| February 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2005 | Structure Change | Acquired First Crawford State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2004 | M&A | Acquired First Farmers State Bank merger for the acquired bank | SEC |
| September 19, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 19, 2004 | Structure Change | Acquired First Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 25, 2004 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| July 25, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 25, 2004 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2004 | M&A | Acquired First Parke State Bank merger for the acquired bank | SEC |
| May 16, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2004 | Structure Change | Acquired First Parke State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2004 | M&A | Acquired First Citizens State Bank merger for the acquired bank | SEC |
| February 21, 2004 | Structure Change | Acquired First Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 2003 | M&A | Acquired First National Bank merger for the acquired bank | SEC |
| November 30, 2003 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 28, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2003 | M&A | Acquired First Ridge Farm State Bank merger for the acquired bank | SEC |
| October 18, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2003 | Structure Change | Acquired First Ridge Farm State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1960 | M&A | Acquired State Bank of West Terre Haute merger for the acquired bank | SEC |
| July 1, 1960 | Structure Change | Acquired State Bank of West Terre Haute 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 47 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Financial Bank, N.A., 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
- 1 against the institution (OCC)
- March 22, 2003, OCC: Civil Money Penalty (CMP): Terre Haute First National Bank
- Period: Most recent institution action March 22, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in IN, rank 23 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,651 applications, 1,646 loans originated, $357.6M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.0M approved, $328K 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, N.A.
What are First Financial Bank, N.A.'s total assets?
As of the Q2 2026 filing, First Financial Bank, N.A. reported total assets of $6.17 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Financial Bank, N.A. headquartered?
First Financial Bank, N.A. is headquartered in Terre Haute, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Financial Bank, N.A. founded?
First Financial Bank, N.A. was established in 1863, per the FDIC institution directory.
Is First Financial Bank, N.A. FDIC-insured?
Yes. First Financial Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4382). 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, N.A.?
First Financial Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Financial Bank, N.A.'s CET1 capital ratio?
First Financial Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.62% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Financial Bank, N.A. operate?
First Financial Bank, N.A. operates 83 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, N.A.'s Texas Ratio?
First Financial Bank, N.A.'s Texas Ratio is 4.70% 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.
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