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: 29.43 percentage points lower than in Q1 2026, at 177.59%. First Financial Bank ranks 116th of 345 Texas banks on return on assets, in the upper half at 1.73% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. First Financial Bank sits 0.44 points higher, at 1.73% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.36% |
| Tier 1 risk-based capital ratio | 18.36% |
| Total risk-based capital ratio | 19.59% |
| Tier 1 leverage ratio | 11.61% |
| Equity capital to assets | 11.77% |
| Tangible equity to tangible assets | 9.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 4.21% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 177.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 15.22% |
| Net interest margin | 3.80% |
| Efficiency ratio | 44.16% |
| Yield on earning assets | 5.13% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.94% |
| Core deposits to total deposits | 97.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.31% |
| Securities to assets | 36.95% |
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 | 16.43% | 16.43% | 17.56% | 10.76% | 1.37% |
| Q4 2023 | 16.47% | 16.47% | 17.59% | 10.75% | 1.26% |
| Q1 2024 | 16.71% | 16.71% | 17.82% | 10.91% | 1.45% |
| Q2 2024 | 16.70% | 16.70% | 17.84% | 11.27% | 1.42% |
| Q3 2024 | 17.21% | 17.21% | 18.42% | 11.48% | 1.48% |
| Q4 2024 | 17.36% | 17.36% | 18.53% | 11.53% | 1.66% |
| Q1 2025 | 17.79% | 17.79% | 18.99% | 11.61% | 1.60% |
| Q2 2025 | 17.78% | 17.78% | 18.98% | 11.72% | 1.72% |
| Q3 2025 | 17.42% | 17.42% | 18.61% | 11.62% | 1.32% |
| Q4 2025 | 18.18% | 18.18% | 19.36% | 11.43% | 1.80% |
| Q1 2026 | 18.26% | 18.26% | 19.46% | 11.37% | 1.74% |
| Q2 2026 | 18.36% | 18.36% | 19.59% | 11.61% | 1.73% |
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 3066) · FFIEC NIC profile (RSSD 470050)