First Financial Bank, N.A.: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
First Financial Bank, N.A. reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 13.14% in Q3 2026, up 0.09 percentage points from 13.05% in Q3 2025. Across the 12 quarters shown it ranged from 12.32% (Q1 2026) to 13.94% (Q1 2024).
Compared with Q2 2026, Retained earnings rose 4.3% in Q3 2026 to $420.6M, the biggest move on this page. First Financial Bank, N.A. ranks 23rd of 45 Indiana banks on CET1 ratio, in the lower half at 13.14% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. First Financial Bank, N.A. sits 0.46 points lower, at 13.14% (Q3 2026).
Risk-based capital ratios
Common equity Tier 1 ratio moved most in this table, up 0.52 points: 12.62% in Q2 2026, 13.14% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.14% |
| Tier 1 risk-based capital ratio | 13.14% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 10.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: common equity Tier 1 capital, up 3.0% to $656.6M in Q3 2026 after $637.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $656.6M |
| Tier 1 capital | $656.6M |
| Total risk-based capital | $708.8M |
| Total equity capital | $643.3M |
| Risk-weighted assets | $5.00B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Largest change in this table: equity capital to average assets, down 0.25 points to 10.30% in Q3 2026 after 10.55% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.62% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 10.56% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $14.5M |
| Common stock surplus | $335.6M |
| Retained earnings | $420.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$127.4M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 13.84% | 13.84% | 14.89% | 10.73% | $3.77B |
| Q1 2024 | 13.94% | 13.94% | 14.99% | 10.91% | $3.81B |
| Q2 2024 | 13.44% | 13.44% | 14.44% | 10.48% | $3.82B |
| Q3 2024 | 12.63% | 12.63% | 13.67% | 10.27% | $4.43B |
| Q4 2024 | 12.76% | 12.76% | 13.81% | 10.26% | $4.46B |
| Q1 2025 | 12.95% | 12.95% | 13.99% | 10.43% | $4.47B |
| Q2 2025 | 12.80% | 12.80% | 13.84% | 10.40% | $4.54B |
| Q3 2025 | 13.05% | 13.05% | 14.09% | 10.63% | $4.58B |
| Q4 2025 | 13.11% | 13.11% | 14.19% | 10.82% | $4.69B |
| Q1 2026 | 12.32% | 12.32% | 13.41% | 10.14% | $5.02B |
| Q2 2026 | 12.62% | 12.62% | 13.68% | 10.36% | $5.05B |
| Q3 2026 | 13.14% | 13.14% | 14.18% | 10.71% | $5.00B |
First Financial Bank, N.A. capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First Financial Bank, N.A. profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 4382) · FFIEC NIC profile (RSSD 693345)