First Financial Bank, N.A. (Terre Haute, IN)
First Financial Bank, N.A. is an FDIC-insured commercial bank headquartered in Terre Haute, IN, supervised by the OCC, with $6.06B in total assets at Q3 2026, up 7.0% from Q3 2025, the 9th largest of 87 banks headquartered in Indiana. It was established in 1863 and holds FDIC certificate 4382. Its CET1 capital ratio was 13.14% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4382
- Headquarters
- Terre Haute, IN
- Established
- 1863
- Total assets, Q3 2026
- $6.06B
- Assets vs Q3 2025
- +7.0%
- CET1 ratio, Q3 2026
- 13.14%
- Domestic offices
- 83 branches
- Routing number
- 074900356
- Safety and soundness
- Is First Financial Bank, N.A. safe?
- Latest call report
- Q3 2026, FFIEC 041 · First Financial Bank, N.A. call report
- Holding company
- FIRST FINANCIAL CORPORATION
- Asset rank in state
- 9th of 87 in Indiana
First Financial Bank, N.A. earns an unusually wide margin on its lending. Based in Terre Haute, Indiana, it had $6.1 billion in assets at September 30, 2026, up 7.0% from a year earlier. It keeps 4.43 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 887 banks with $1 billion to $10 billion in assets (median 3.80 cents). It also earns about $1.80 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.32).
Earnings jumped: net income for the quarter was $28 million, 32% above the same quarter a year earlier. Unrealized losses on its securities total $161 million, equal to 25% of Tier 1 capital, against 20% a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 11.2% and deposits rose 5.4%.
As of September 30, 2026, First Financial Bank, N.A. reported a CET1 capital ratio of 13.14%, a return on assets of 1.80%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.88%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, First Financial Bank, N.A. is the 9th largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 1.8% to $6.06B, loans fell 1.3% and deposits rose 0.7%. The largest part of its loan book on September 30, 2026 was non-owner-occupied commercial real estate loans, at 21.8% of total loans, ahead of 1-4 family residential loans at 17.6%. Its 82 offices in the FDIC Summary of Deposits are in 61 cities across 5 states; its Terre Haute 5 offices book 29% of its branch deposits. Judged on its Q3 2026 call report, First Financial Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 First Financial Plz, Terre Haute, IN 47807
- County
- Vigo
- Metro Area
- Terre Haute, IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 3, 1863
- Domestic offices
- 83 branches
- Employees (FTE)
- 947
- Domestic deposits
- $4.89B
- Allowance for credit losses
- $49.7M
- Net charge-offs (YTD)
- $5.2M
- Average total assets
- $6.25B
- Average total loans
- $4.44B
- Average interest-bearing deposits
- $3.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4382
- Fed RSSD
- 693345
- SEC CIK
- 714562 → filed by FIRST FINANCIAL CORPORATION
- Website
- www.first-online.bank →
- Parent Holding Company
- FIRST FINANCIAL CORPORATION (RSSD 1208595) · THFF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Norman D Lowery | CEO | PRESIDENT & C.E.O. |
| Norman L Lowery | CHR | EXECUTIVE CHAIRMAN |
| Mchargue Rodger Allen | CFO | CHIEF FINANCIAL OFFICER |
| Stephen P Panagouleas | CCO | CHIEF CREDIT OFFICER |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch First Financial Bank, N.A.: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, First Financial Bank, N.A.'s total assets ran between $4.84B (Q4 2023) and $6.17B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$6.06B total assets against $5.66B; $5.42B total liabilities against $5.05B.
$4.36B net loans and leases against $3.92B; $4.89B total deposits against $4.64B.
$1.10B securities against $1.19B; $93.2M cash and balances due against $87.5M.
$86.2M total interest income against $76.0M; $23.2M total interest expense against $21.8M.
$63.0M net interest income against $54.2M.
$12.3M total noninterest income against $12.0M; $40.6M total noninterest expense against $37.7M.
-$750K provision for credit losses against $1.9M.
$28.1M net income against $21.3M.
1.80% return on assets against 1.48%; 4.43% net interest margin against 4.17%.
13.14% CET1 capital ratio against 13.05%; 10.71% tier 1 leverage ratio against 10.63%.
Inside the full First Financial Bank, N.A. 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.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
First Financial Bank, N.A. rankings
Its closest position to the top of a national ranking is 245 of 4,193, for total assets; its furthest is 1,324 of 2,021, for CET1 ratio.
Banks merged into First Financial Bank, N.A.
- CedarStone Bank, effective March 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.20% (Q4 2024) to 1.80% (Q3 2026) and its net interest margin ran from 3.88% (Q4 2024) to 4.61% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.14% | 1.80% | 0.48% | 3.88% | 4.43% |
| Q2 2026 | 12.62% | 1.48% | 0.61% | 4.70% | 4.32% |
| Q1 2026 | 12.32% | 1.31% | 0.64% | 4.98% | 4.25% |
| Q4 2025 | 13.11% | 1.54% | 0.36% | 2.58% | 4.61% |
| Q3 2025 | 13.05% | 1.48% | 0.49% | 3.55% | 4.17% |
| Q2 2025 | 12.80% | 1.35% | 0.25% | 2.00% | 4.06% |
| Q1 2025 | 12.95% | 1.35% | 0.27% | 2.17% | 4.02% |
| Q4 2024 | 12.76% | 1.20% | 0.35% | 2.92% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 82 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, N.A. (main office) | Terre Haute , IN | 47807 | $730.5M |
| Springhill Branch | Terre Haute , IN | 47802 | $249.0M |
| Meadows Center Branch | Terre Haute , IN | 47803 | $173.2M |
| Sullivan Branch | Sullivan , IN | 47882 | $161.9M |
| Fort Harrison Branch | Terre Haute , IN | 47804 | $149.0M |
| Vincennes Branch | Vincennes , IN | 47591 | $130.9M |
| Rockville Branch | Rockville , IN | 47872 | $127.1M |
| Simplybank Branch | Dayton , TN | 37321 | $124.8M |
| Washington Indiana Banking Center | Washington , IN | 47501 | $122.6M |
| First National Bank of Danville Branch | Danville , IL | 61832 | $108.7M |
| Robinson Branch | Robinson , IL | 62454 | $104.2M |
| Sycamore Terrace Banking Center Branch | Terre Haute , IN | 47803 | $103.9M |
| Cayuga Branch | Cayuga , IN | 47928 | $94.1M |
| Fulton Branch | Fulton , KY | 42041 | $86.5M |
| Worthington Branch | Worthington , IN | 47471 | $83.8M |
| Lebanon Main Branch | Lebanon , TN | 37087 | $81.0M |
| Main Street Branch | Murray , KY | 42071 | $68.8M |
| Brazil Eastside Banking Center | Brazil , IN | 47834 | $68.6M |
| North Vermilion Office Branch | Danville , IL | 61832 | $67.9M |
| Clarksville 2 Branch | Clarksville , TN | 37043 | $66.4M |
| Hawesville Branch | Hawesville , KY | 42348 | $63.7M |
| Marshall, Il Branch | Marshall , IL | 62441 | $63.0M |
| Crown Hill Branch | Clinton , IN | 47842 | $59.8M |
| Brazil So. 59 Branch | Brazil , IN | 47834 | $59.4M |
| 6th & Lincoln - Charleston Branch | Charleston , IL | 61920 | $58.4M |
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 |
|---|---|---|---|
| March 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2026 | Structure Change | Acquired CedarStone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2026 | M&A | Acquired CedarStone Bank merger for the acquired bank | SEC |
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | M&A | Acquired SimplyBank. merger for the acquired bank | SEC |
| July 1, 2024 | Structure Change | Acquired SimplyBank. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2022 | M&A | Acquired The Morris Plan Company of Terre Haute merger for the acquired bank | SEC |
| February 21, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2022 | Structure Change | Acquired The Morris Plan Company of Terre Haute Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2021 | M&A | Acquired Hancock Bank & Trust Company merger for the acquired bank | SEC |
| November 6, 2021 | Structure Change | Acquired Hancock Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 2019 | M&A | Acquired Heritage Bank USA, Inc. merger for the acquired bank | SEC |
| July 27, 2019 | Structure Change | Acquired Heritage Bank USA, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2011 | M&A | Acquired Freestar Bank, National Association merger for the acquired bank | SEC |
| December 31, 2011 | Structure Change | Acquired Freestar Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2009 | Structure Change | Acquired First National Bank of Danville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 3, 2009 | M&A | Acquired First National Bank of Danville failure_government_assistance_provided for the acquired bank | SEC |
| July 2, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 10, 2005 | M&A | Acquired First Community Bank, National Association merger for the acquired bank | SEC |
| September 10, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2005 | Structure Change | Acquired First Community Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2005 | M&A | Acquired First Crawford State Bank merger for the acquired bank | SEC |
| February 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2005 | Structure Change | Acquired First Crawford State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 19, 2004 | Structure Change | Acquired First Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2004 | M&A | Acquired First Farmers State Bank merger for the acquired bank | SEC |
| July 25, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 25, 2004 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 25, 2004 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| May 16, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2004 | Structure Change | Acquired First Parke State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2004 | M&A | Acquired First Parke State Bank merger for the acquired bank | SEC |
| February 21, 2004 | Structure Change | Acquired First Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2004 | M&A | Acquired First Citizens State Bank merger for the acquired bank | SEC |
| February 20, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 2003 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2003 | M&A | Acquired First National Bank merger for the acquired bank | SEC |
| November 28, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2003 | M&A | Acquired First Ridge Farm State Bank merger for the acquired bank | SEC |
| October 18, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2003 | Structure Change | Acquired First Ridge Farm State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1960 | M&A | Acquired State Bank of West Terre Haute merger for the acquired bank | SEC |
| July 1, 1960 | Structure Change | Acquired State Bank of West Terre Haute 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 47 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 22, 2003, OCC: Civil Money Penalty (CMP): Terre Haute First National Bank
- Period: Most recent institution action March 22, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in IN, rank 23 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,651 applications, 1,646 loans originated, $357.6M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.0M approved, $328K 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
- 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, N.A.
What are First Financial Bank, N.A.'s total assets?
As of the Q3 2026 filing, First Financial Bank, N.A. reported total assets of $6.06 billion in its FFIEC call report.
Where is First Financial Bank, N.A. headquartered?
It is headquartered in Terre Haute, IN, United States.
When was First Financial Bank, N.A. founded?
It was established in 1863, per the FDIC institution directory.
Is First Financial Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4382). 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, N.A.?
First Financial Bank, N.A.'s primary federal regulator is the OCC.
What is First Financial Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.14% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Financial Bank, N.A. operate?
It operates 83 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, N.A.'s Texas Ratio?
Its Texas Ratio is 3.88% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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