First Financial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.83 percentage points higher than in Q1 2026, at 162.10%. Within Ohio, First Financial Bank is 25th of 156 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. First Financial Bank sits 0.25 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.77% |
| Tier 1 risk-based capital ratio | 12.78% |
| Total risk-based capital ratio | 14.05% |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 13.38% |
| Tangible equity to tangible assets | 8.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.85% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 5.81% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 162.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 11.71% |
| Net interest margin | 4.04% |
| Efficiency ratio | 54.13% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.34% |
| Core deposits to total deposits | 89.44% |
| Brokered deposits to total deposits | 6.93% |
| Deposits to assets | 79.64% |
| Securities to assets | 21.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.73% | 12.74% | 13.73% | 10.24% | 1.64% |
| Q4 2023 | 12.73% | 12.73% | 13.69% | 10.24% | 1.43% |
| Q1 2024 | 12.50% | 12.50% | 13.60% | 10.17% | 1.36% |
| Q2 2024 | 12.43% | 12.43% | 13.60% | 10.02% | 1.51% |
| Q3 2024 | 12.52% | 12.53% | 13.72% | 10.06% | 1.32% |
| Q4 2024 | 12.48% | 12.48% | 13.62% | 9.97% | 1.56% |
| Q1 2025 | 12.50% | 12.51% | 13.78% | 9.90% | 1.27% |
| Q2 2025 | 12.61% | 12.61% | 13.90% | 10.06% | 1.67% |
| Q3 2025 | 12.67% | 12.67% | 13.96% | 10.05% | 1.71% |
| Q4 2025 | 11.90% | 11.90% | 13.18% | 9.77% | 1.44% |
| Q1 2026 | 13.07% | 13.08% | 14.35% | 9.82% | 1.50% |
| Q2 2026 | 12.77% | 12.78% | 14.05% | 9.78% | 1.54% |
First Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6600) · FFIEC NIC profile (RSSD 165628)