Bank Comparison
First Financial Bank vs Bank of America California, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Financial Bank | Bank of America California, N.A. |
|---|---|---|
| CET1 Ratio | 18.26% | 37.26% |
| Tier 1 Capital Ratio | 18.26% | 37.26% |
| Total Capital Ratio | 19.46% | 37.55% |
| Tier 1 Leverage Ratio | 11.37% | 12.41% |
| Equity / Assets | 11.43% | 12.65% |
Profitability
| Metric | First Financial Bank | Bank of America California, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.74% | 0.73% |
| Return on Equity (ROE) | 15.53% | 5.89% |
| Net Interest Margin (NIM) | 3.73% | 1.77% |
| Yield on Earning Assets | 5.04% | 3.51% |
| Cost of Funds | 1.42% | 2.01% |
Asset quality
| Metric | First Financial Bank | Bank of America California, N.A. |
|---|---|---|
| Texas Ratio | 3.51% | 3.48% |
| Non-Performing Loan Ratio | 0.63% | 0.67% |
| Non-Performing Asset Ratio | 0.35% | 0.44% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.30% | 0.14% |
Balance sheet
| Metric | First Financial Bank | Bank of America California, N.A. |
|---|---|---|
| Total Assets | $15,317M | $15,126M |
| Total Deposits | $13,408M | $12,639M |
| Total Loans | $8,308M | $9,745M |
| Total Equity | $1,750M | $1,914M |
| Net Income (quarter) | $67,785K | $28,000K |
Liquidity & funding
| Metric | First Financial Bank | Bank of America California, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 61.96% | 77.10% |
| Core Deposit Ratio | 97.50% | 96.04% |
| Uninsured Deposit Ratio | 44.59% | 5.95% |
Identity
| Metric | First Financial Bank | Bank of America California, N.A. |
|---|---|---|
| Headquarters City | ABILENE | SAN FRANCISCO |
| Headquarters State | TX | CA |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 24077 |
| Regulator | FED | OCC |
| Domestic Branches | 83 | 1 |
| Employees (FTE) | 1,514 | 0 |
| Established | Jan. 1, 1889, midnight | May 18, 1984, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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