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 El Dorado, AR against its peer group of 941 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 | 2.33% | 1.34% | +0.99% | 94th top |
| ROAE | 20.25% | 12.34% | +7.91% | 89th top |
| Net Interest Margin | 4.53% | 3.83% | +0.70% | 88th top |
| Efficiency Ratio | 52.77% | 58.97% | -6.20% | 66th above |
| PPNR / Avg Assets | 2.72% | — | — | 91st top |
| Yield on Earning Assets | 6.97% | 5.71% | +1.26% | 95th top |
| Cost of Funds | 2.64% | 2.02% | +0.62% | 17th bottom |
| Net Interest Spread | 3.96% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.64% | 0.87% | +2.77% | 2nd bottom |
| NPA / Total Assets | 3.22% | — | — | 2nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.29% | 0.43% | -0.14% | 14th bottom |
| ACL / Total Loans | 1.06% | — | — | 38th below |
| ACL / NPLs (Coverage) | 29.15% | — | — | 2nd bottom |
| Texas Ratio | 13.43% | 5.48% | +7.95% | 9th bottom |
| Provision / NCO | 169.56% | — | — | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.15% | 11.11% | +0.04% | 62nd above |
| Equity / Assets | 11.35% | 11.02% | +0.33% | 66th above |
| TCE / Tangible Assets | 10.37% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.19% | 86.99% | +16.20% | 11th bottom |
| Core Deposit Ratio | 77.60% | 85.57% | -7.97% | 17th bottom |
| Uninsured Deposit Ratio | 28.24% | 33.19% | -4.95% | 58th above |
| Wholesale Funding Ratio | 5.39% | — | — | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.09% | — | — | 81st top |
| Loan Growth (Y/Y) | 13.79% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 9.38% | — | — | 72nd above |
See First Financial Bank's peers by name
The 941 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Financial Bank peer analysis.