First Financial Bank (Bessemer, AL)
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Data as of · sourced from FFIEC call reports. How we update
First Financial Bank is an FDIC-insured commercial bank headquartered in Bessemer, AL, established in 1965 (FDIC certificate 19440), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $248.1M, up 2.5% from Q2 2025, the 54th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 15.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19440
- Headquarters
- Bessemer, AL
- Established
- 1965
- Total assets, Q2 2026
- $248.1M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 15.12%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 262286950
- Holding company
- FIRSTFED BANCORP, INC.
- Asset rank in state
- 54th of 93 in Alabama
First Financial Bank is one of the more profitable banks of its size. Based in Bessemer, Alabama, it had $248 million in assets at June 30, 2026, up 2.5% from a year earlier. It returns 34.3% a year on shareholders' equity, about triple the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.96% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $19 million equal 74% of Tier 1 capital, down from 89% a year earlier. Loans are outrunning deposits: over the year loans rose 14.0% and deposits rose 0.0%. Credit is the area to watch: it carries problem assets equal to 22.0% of the capital and reserves that would absorb them, 8.3 times the median of 2.6% for banks its size.
As of June 30, 2026, First Financial Bank reported a CET1 capital ratio of 15.12%, a return on assets of 1.05%, a nonperforming-loan ratio of 1.52% and a Texas ratio of 22.03%. The figures come from its call report filed with the FFIEC.
First Financial Bank ranks as the 54th largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $248.1M, loans rose 1.4% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.0% of total loans, ahead of owner-occupied commercial real estate loans at 33.5%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in AL; its Bessemer office books 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Financial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1630 4th Ave N, Bessemer, AL 35020
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 17, 1965
- Former names
- First State Bank of Bibb County (1982-2002); Bank of West Blocton (1976-1982)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $237.4M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $244.0M
- Average total loans
- $132.7M
- Average interest-bearing deposits
- $151.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 17, 1965
- FDIC Cert
- 19440
- Fed RSSD
- 292234
- Website
- www.ffbalabama.com →
- Parent Holding Company
- FIRSTFED BANCORP, INC. (RSSD 2376567)
- Ultimate Parent
- RSSD 3340556
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Financial Bank's total assets ranged from $212.2M (Q3 2023) to $248.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$248.1M total assets against $242.1M; $240.0M total liabilities against $238.0M.
$131.9M net loans and leases against $115.5M; $237.4M total deposits against $237.4M.
$70.0M securities against $69.0M; $20.1M cash and balances due against $34.1M.
$2.6M total interest income against $2.5M; $570K total interest expense against $580K.
$2.1M net interest income against $1.9M.
$981K total noninterest income against $870K; $2.4M total noninterest expense against $2.1M.
$7K provision for credit losses against $11K.
$639K net income against $645K.
1.05% return on assets against 1.08%; 3.92% net interest margin against 3.75%.
15.12% CET1 capital ratio against 15.78%; 10.69% tier 1 leverage ratio against 10.37%.
Inside the full First Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Financial Bank rankings
Its closest position to the top of a national ranking is 131 of 3,640, for Texas Ratio; its furthest is 3,175 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q2 2026) to 1.14% (Q3 2024) and its net interest margin ran from 3.59% (Q4 2024) to 3.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 1.05% | 1.52% | 22.03% | 3.92% |
| Q1 2026 | 15.24% | 1.09% | 1.38% | 23.24% | 3.85% |
| Q4 2025 | 15.29% | 1.13% | 1.69% | 25.21% | 3.84% |
| Q3 2025 | 15.61% | 1.09% | 1.74% | 26.53% | 3.77% |
| Q2 2025 | 15.78% | 1.08% | 1.80% | 38.51% | 3.75% |
| Q1 2025 | 15.39% | 1.14% | 0.19% | 3.85% | 3.73% |
| Q4 2024 | 15.25% | 1.13% | 0.20% | 5.57% | 3.59% |
| Q3 2024 | 15.61% | 1.14% | 0.23% | 2.93% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Financial Bank (main office) | Bessemer , AL | 35020 | $81.8M |
| Vance Branch | Vance , AL | 35490 | $30.6M |
| Mccalla Branch | Mc Calla , AL | 35111 | $28.6M |
| Centreville Branch | Centreville , AL | 35042 | $23.9M |
| Hueytown Branch | Hueytown , AL | 35023 | $22.1M |
| Woodstock Branch | Woodstock , AL | 35188 | $21.8M |
| West Blocton Branch | West Blocton , AL | 35184 | $16.2M |
| Pelham Branch | Pelham , AL | 35124 | $12.3M |
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 9, 2002 | Structure Change | Acquired First Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 27, 2011, Federal Reserve: Written Agreement: FirstFed Bancorp, Inc. Employee Stock Ownership Plan and FirstFed Bancorp, Inc., both of Bessemer, Alabama
- Period: Most recent institution action June 27, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AL, rank 73 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Financial Bank
What are First Financial Bank's total assets?
As of the Q2 2026 filing, First Financial Bank reported total assets of $248.1 million in its FFIEC call report.
Where is First Financial Bank headquartered?
It is headquartered in Bessemer, AL, United States.
When was First Financial Bank founded?
It was established in 1965, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19440). 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?
First Financial Bank's primary federal regulator is the FDIC.
What is First Financial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Financial Bank operate?
It operates 8 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's Texas Ratio?
Its Texas Ratio is 22.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Financial Bank previously called?
The charter now named First Financial Bank has also operated as First State Bank of Bibb County (1982-2002), Bank of West Blocton (1976-1982), per FDIC structure-change records.
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