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: 13503.10 percentage points lower than in Q1 2026, at 66.90%. First Financial Bank ranks 54th of 93 Alabama banks on return on assets, in the lower half at 1.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Financial Bank sits 0.21 points lower, at 1.05% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 15.94% |
| Tier 1 leverage ratio | 10.69% |
| Equity capital to assets | 3.28% |
| Tangible equity to tangible assets | 3.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.52% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 22.07% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 66.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 34.32% |
| Net interest margin | 3.92% |
| Efficiency ratio | 77.93% |
| Yield on earning assets | 5.01% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.13% |
| Core deposits to total deposits | 93.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 95.67% |
| Securities to assets | 28.20% |
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 | 15.09% | 15.09% | 16.03% | 10.51% | 1.14% |
| Q4 2023 | 14.49% | 14.49% | 15.41% | 10.37% | 1.11% |
| Q1 2024 | 14.81% | 14.81% | 15.72% | 10.24% | 1.22% |
| Q2 2024 | 15.09% | 15.09% | 16.01% | 10.37% | 1.14% |
| Q3 2024 | 15.61% | 15.61% | 16.55% | 10.55% | 1.14% |
| Q4 2024 | 15.25% | 15.25% | 16.20% | 10.25% | 1.13% |
| Q1 2025 | 15.39% | 15.39% | 16.33% | 10.48% | 1.14% |
| Q2 2025 | 15.78% | 15.78% | 16.71% | 10.37% | 1.08% |
| Q3 2025 | 15.61% | 15.61% | 16.51% | 10.64% | 1.09% |
| Q4 2025 | 15.29% | 15.29% | 16.15% | 10.31% | 1.13% |
| Q1 2026 | 15.24% | 15.24% | 16.09% | 10.34% | 1.09% |
| Q2 2026 | 15.12% | 15.12% | 15.94% | 10.69% | 1.05% |
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 19440) · FFIEC NIC profile (RSSD 292234)