Bank Comparison
First Financial Bank vs Blackhawk Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Financial Bank | Blackhawk Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.20% | 10.78% |
| Equity / Assets | 11.52% | 9.74% |
Profitability
| Metric | First Financial Bank | Blackhawk Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.07% | 1.33% |
| Return on Equity (ROE) | 17.66% | 13.65% |
| Net Interest Margin (NIM) | 4.18% | 3.34% |
| Yield on Earning Assets | 6.60% | 5.29% |
| Cost of Funds | 2.60% | 2.07% |
Asset quality
| Metric | First Financial Bank | Blackhawk Bank & Trust |
|---|---|---|
| Texas Ratio | 27.61% | 2.86% |
| Non-Performing Loan Ratio | 3.51% | 0.26% |
| Non-Performing Asset Ratio | 3.11% | 0.28% |
| Net Charge-Off Ratio | 0.12% | 0.23% |
| ACL / Loans | 1.06% | 0.92% |
Balance sheet
| Metric | First Financial Bank | Blackhawk Bank & Trust |
|---|---|---|
| Total Assets | $1,950M | $1,955M |
| Total Deposits | $1,618M | $1,572M |
| Total Loans | $1,652M | $1,235M |
| Total Equity | $224,640K | $190,498K |
| Net Income (quarter) | $9,848K | $6,426K |
Liquidity & funding
| Metric | First Financial Bank | Blackhawk Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 102.12% | 78.56% |
| Core Deposit Ratio | 84.80% | 90.09% |
| Uninsured Deposit Ratio | 26.87% | 32.78% |
Identity
| Metric | First Financial Bank | Blackhawk Bank & Trust |
|---|---|---|
| Headquarters City | EL DORADO | MILAN |
| Headquarters State | AR | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 19 | 19 |
| Employees (FTE) | 329 | 237 |
| Established | April 1, 1934, midnight | June 28, 1961, 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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