First Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 0.97 percentage points higher than in Q1 2026, at 62.94%. First Financial Bank ranks 233rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.94% (Q2 2026). First Financial Bank reported 62.94% on loan-to-deposit ratio for Q2 2026, 23.90 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.37B |
| Net loans and leases | $8.26B |
| Loans held for sale | $23.6M |
| Loans to total assets | 54.95% |
| Loan-to-deposit ratio | 62.94% |
| Net loans to equity capital | 4.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.49% |
| Multifamily (5+ residential) | 1.12% |
| Commercial and industrial | 12.56% |
| Consumer | 11.05% |
| Credit cards | 0.00% |
| Farm | 4.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.31% |
| Construction concentration (Tier 1 capital + allowance) | 63.14% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.68% |
| Interest income on loans | $138.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.01B | $10.86B | 24.44% | 15.68% | 9.92% |
| Q4 2023 | $7.16B | $11.29B | 24.37% | 16.13% | 9.44% |
| Q1 2024 | $7.25B | $11.43B | 24.40% | 16.31% | 9.68% |
| Q2 2024 | $7.54B | $11.53B | 23.56% | 15.34% | 10.23% |
| Q3 2024 | $7.74B | $11.89B | 23.55% | 15.10% | 10.02% |
| Q4 2024 | $7.92B | $12.22B | 22.80% | 14.78% | 10.00% |
| Q1 2025 | $7.96B | $12.58B | 22.72% | 14.31% | 10.42% |
| Q2 2025 | $8.11B | $12.57B | 22.32% | 14.77% | 10.46% |
| Q3 2025 | $8.27B | $12.99B | 22.12% | 13.52% | 10.45% |
| Q4 2025 | $8.19B | $13.50B | 22.65% | 12.85% | 10.73% |
| Q1 2026 | $8.31B | $13.41B | 22.42% | 13.17% | 10.77% |
| Q2 2026 | $8.37B | $13.30B | 22.49% | 12.56% | 11.05% |
First Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank, freeSource: Call Report Schedule RC-C, 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 3066) · FFIEC NIC profile (RSSD 470050)