First Financial Bank (El Dorado, AR)
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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 El Dorado, AR, established in 1934 (FDIC certificate 28905), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.04B, up 12.1% from Q2 2025, the 12th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.15% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 28905
- Headquarters
- El Dorado, AR
- Established
- 1934
- Total assets, Q2 2026
- $2.04B
- Assets vs Q2 2025
- +12.1%
- Tier 1 leverage ratio, Q2 2026
- 11.15%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 282970110
- Holding company
- FIRST FINANCIAL BANC CORPORATION
- Asset rank in state
- 12th of 78 in Arkansas
Problem loans are rising at First Financial Bank. Based in El Dorado, Arkansas, it had $2.0 billion in assets at June 30, 2026, up 12.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.61% of loans from 0.93% a year earlier. It earns about $2.33 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 13.4% of the capital and reserves that would absorb them, 3.8 times the median of 3.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 13.8% and deposits rose 9.4%. Funding is the softer spot: it pays an average of 2.64% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, First Financial Bank reported a return on assets of 2.33%, a nonperforming-loan ratio of 3.64% and a Texas ratio of 13.43%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Financial Bank is the 12th largest of the 78 banks headquartered in Arkansas. From Q1 2026 to Q2 2026, its total assets rose 4.4% to $2.04B, loans rose 4.8% and deposits rose 3.7%. Farmland and other real estate loans made up 54.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 10.7%. The FDIC Summary of Deposits lists 17 offices for it, in 11 cities across 2 states; its El Dorado 5 offices book 47% of its branch deposits. On its Q2 2026 call report, First Financial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 East Peach Street, El Dorado, AR 71730
- County
- Union
- Metro Area
- El Dorado, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1934
- Former names
- First Financial Bank, A Federal Savings Bank (1988-1999); First Financial Federal Savings and Loan Association (1984-1988)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 334
- Domestic deposits
- $1.68B
- Allowance for credit losses
- $18.4M
- Net charge-offs (YTD)
- $1.7M
- Average total assets
- $1.98B
- Average total loans
- $1.69B
- Average interest-bearing deposits
- $1.41B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28905
- Fed RSSD
- 48374
- Website
- www.ffb1.com →
- Parent Holding Company
- FIRST FINANCIAL BANC CORPORATION (RSSD 2568102)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Financial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Financial Bank's total assets ran between $1.61B (Q3 2023) and $2.04B (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
$2.04B total assets against $1.82B; $1.81B total liabilities against $1.60B.
$1.71B net loans and leases against $1.51B; $1.68B total deposits against $1.53B.
$104.7M securities against $109.9M; $86.4M cash and balances due against $74.1M.
$32.5M total interest income against $30.3M; $11.4M total interest expense against $11.1M.
$21.1M net interest income against $19.2M.
$7.6M total noninterest income against $9.0M; $15.3M total noninterest expense against $15.5M.
$2.0M provision for credit losses against $800K.
$11.5M net income against $11.9M.
2.33% return on assets against 2.64%; 4.53% net interest margin against 4.54%.
11.15% tier 1 leverage ratio against 11.52%.
Inside the full First Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Financial Bank rankings
Its closest position to the top of a national ranking is 232 of 3,611, for ROA; its furthest is 593 of 980, for uninsured deposits.
Metric pages for First Financial Bank: ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.69% (Q4 2025) to 2.64% (Q2 2025) and its net interest margin ran from 3.80% (Q3 2024) to 4.54% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.15% | 2.33% | 3.64% | 13.43% | 4.53% |
| Q1 2026 | 11.20% | 2.07% | 3.41% | 12.99% | 4.18% |
| Q4 2025 | 11.03% | 1.69% | 2.64% | 9.66% | 4.40% |
| Q3 2025 | 11.41% | 2.01% | 2.02% | 7.93% | 4.42% |
| Q2 2025 | 11.52% | 2.64% | 1.90% | 8.95% | 4.54% |
| Q1 2025 | 11.19% | 2.00% | 2.64% | 8.97% | 4.08% |
| Q4 2024 | 10.95% | 2.21% | 2.28% | 6.40% | 4.21% |
| Q3 2024 | 11.09% | 1.83% | 2.64% | 7.35% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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) | El Dorado , AR | 71730 | $606.0M |
| Carthage Bank Branch | Carthage , MS | 39051 | $200.4M |
| Wynne Branch | Wynne , AR | 72396 | $162.7M |
| Senatobia Branch | Senatobia , MS | 38668 | $108.3M |
| Mccrory Branch | Mccrory , AR | 72101 | $102.7M |
| Harrisburg Branch | Harrisburg , AR | 72432 | $93.3M |
| Mena Main Branch | Mena , AR | 71953 | $92.8M |
| Timberlane Branch | El Dorado , AR | 71730 | $58.2M |
| 318 Griffith Street Branch | El Dorado , AR | 71730 | $55.2M |
| Washington Street Branch | El Dorado , AR | 71730 | $45.7M |
| Little Rock Branch | Little Rock , AR | 72207 | $40.4M |
| 122 West Seventh Street Branch | Smackover , AR | 71762 | $33.2M |
| Forrest City Branch | Forrest City , AR | 72335 | $29.0M |
| Ridgeview Branch | Wynne , AR | 72396 | $18.8M |
| East Main Branch | El Dorado , AR | 71730 | $18.7M |
| Cherry Valley Branch | Cherry Valley , AR | 72324 | $11.9M |
| Harrisburg Branch | Harrisburg , AR | 72432 | $971K |
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 |
|---|---|---|---|
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired The First National Bank of Wynne Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2006 | Structure Change | Acquired Cornerstone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in AR, rank 18 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 566 applications, 437 loans originated, $92.3M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 126 loans, $165.5M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $2.04 billion in its FFIEC call report.
Where is First Financial Bank headquartered?
It is headquartered in El Dorado, AR, United States.
When was First Financial Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28905). 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 Federal Reserve.
How many branches does First Financial Bank operate?
It operates 19 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 13.43% 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 Financial Bank, A Federal Savings Bank (1988-1999), First Financial Federal Savings and Loan Association (1984-1988), per FDIC structure-change records.
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