First Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Financial Bank of Abilene, TX against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.39% | +0.34% | 80th top |
| ROAE | 15.22% | 12.21% | +3.01% | 78th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.82% | -0.02% | 65th above |
| Efficiency Ratio | 44.16% | 54.31% | -10.15% | 81st top |
| PPNR / Avg Assets | 2.21% | 2.04% | +0.17% | 78th top |
| Yield on Earning Assets | 5.13% | 5.71% | -0.58% | 34th below |
| Cost of Funds | 1.47% | 2.03% | -0.56% | 78th top |
| Net Interest Spread | 3.14% | 3.13% | +0.01% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.76% | 0.98% | -0.22% | 58th above |
| NPA / Total Assets | 0.43% | 0.72% | -0.29% | 65th above |
| NCO / Avg Loans | -0.03% | 0.33% | -0.36% | 98th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.34% | 1.39% | -0.05% | 75th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 177.59% | 235.72% | -58.13% | 65th above |
| Texas Ratio | 4.21% | 8.91% | -4.70% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.36% | 15.63% | +2.73% | 91st top |
| Tier 1 Ratio | 18.36% | 15.76% | +2.60% | 90th top |
| Total Capital Ratio | 19.59% | 16.88% | +2.71% | 91st top |
| Leverage Ratio | 11.61% | 10.49% | +1.12% | 86th top |
| Equity / Assets | 11.77% | 11.71% | +0.06% | 57th above |
| TCE / Tangible Assets | 9.92% | 9.72% | +0.20% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.94% | 84.74% | -21.80% | 92nd top |
| Core Deposit Ratio | 97.62% | 86.53% | +11.09% | 94th top |
| Uninsured Deposit Ratio | 44.70% | 36.78% | +7.92% | 34th below |
| Wholesale Funding Ratio | 0.50% | 5.88% | -5.38% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.35% | 11.97% | -5.62% | 57th above |
| Loan Growth (Y/Y) | 3.24% | 11.42% | -8.18% | 31st below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.78% | 11.37% | -5.59% | 53rd above |
See First Financial Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Financial Bank profile, how to read a UBPR, or how this data updates.