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: 1.96 percentage points lower than in Q1 2026, at 29.15%. Among 78 Arkansas banks, First Financial Bank sits 3rd from the top on return on assets, 2.33% as of Q2 2026. First Financial Bank's return on assets of 2.33% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.06 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.15% |
| Equity capital to assets | 11.35% |
| Tangible equity to tangible assets | 10.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.64% |
| Non-performing assets ratio | 3.22% |
| Net charge-off ratio | 0.29% |
| Texas ratio | 13.43% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 29.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.33% |
| Return on equity | 20.25% |
| Net interest margin | 4.53% |
| Efficiency ratio | 52.77% |
| Yield on earning assets | 6.97% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.19% |
| Core deposits to total deposits | 77.60% |
| Brokered deposits to total deposits | 6.95% |
| Deposits to assets | 82.40% |
| Securities to assets | 5.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.66% | 1.30% | 3.65% | 2.16% | 0.05% |
| Q4 2023 | 11.42% | 1.53% | 3.95% | 2.13% | 0.08% |
| Q1 2024 | 11.38% | 1.40% | 3.67% | 1.91% | 0.33% |
| Q2 2024 | 11.25% | 1.74% | 3.64% | 2.27% | 0.07% |
| Q3 2024 | 11.09% | 1.83% | 3.80% | 2.64% | 0.10% |
| Q4 2024 | 10.95% | 2.21% | 4.21% | 2.28% | 0.16% |
| Q1 2025 | 11.19% | 2.00% | 4.08% | 2.64% | 0.10% |
| Q2 2025 | 11.52% | 2.64% | 4.54% | 1.90% | 0.04% |
| Q3 2025 | 11.41% | 2.01% | 4.42% | 2.02% | 0.48% |
| Q4 2025 | 11.03% | 1.69% | 4.40% | 2.64% | 0.18% |
| Q1 2026 | 11.20% | 2.07% | 4.18% | 3.41% | 0.12% |
| Q2 2026 | 11.15% | 2.33% | 4.53% | 3.64% | 0.29% |
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 28905) · FFIEC NIC profile (RSSD 48374)