First Financial Bank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Financial Bank, N.A. of Terre Haute, IN against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.80% | 1.32% | +0.48% | 79th best quarter |
| ROAE | 17.21% | 12.84% | +4.37% | 80th best quarter |
| Net Interest Margin | 4.43% | 3.80% | +0.63% | 83rd best quarter |
| Efficiency Ratio | 51.56% | 57.50% | -5.94% | 31st better half |
| PPNR / Avg Assets | 2.22% | 1.78% | +0.44% | 77th best quarter |
| Yield on Earning Assets | 6.04% | 5.62% | +0.42% | 73rd |
| Cost of Funds | 1.81% | 2.05% | -0.24% | 35th better half |
| Net Interest Spread | 3.94% | 3.16% | +0.78% | 88th best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 0.54% | -0.06% | 45th better half |
| NPA / Total Assets | 0.37% | 0.43% | -0.06% | 44th better half |
| NCO / Avg Loans | 0.09% | 0.03% | +0.06% | 66th worse half |
| ACL / Total Loans | 1.13% | 1.14% | -0.01% | 47th |
| ACL / NPLs (Coverage) | 235.97% | 206.61% | +29.36% | 56th better half |
| Texas Ratio | 3.88% | 3.89% | -0.01% | 50th better half |
| Provision / NCO | -77.24% | 145.20% | -222.44% | 6th |
| CRE / Total Capital | 257.14% | 224.99% | +32.15% | 65th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 13.14% | 13.63% | -0.49% | 41st worse half |
| Tier 1 Ratio | 13.14% | 13.64% | -0.50% | 40th worse half |
| Total Capital Ratio | 14.18% | 14.75% | -0.57% | 40th worse half |
| Leverage Ratio | 10.71% | 10.57% | +0.14% | 52nd better half |
| Equity / Assets | 10.62% | 10.20% | +0.42% | 57th better half |
| TCE / Tangible Assets | 8.90% | 9.58% | -0.68% | 36th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 90.28% | 88.09% | +2.19% | 55th |
| Core Deposit Ratio | 95.39% | 89.11% | +6.28% | 86th best quarter |
| Uninsured Deposit Ratio | 37.96% | 31.09% | +6.87% | 67th worse half |
| Borrowings / Total Assets | 7.64% | 4.05% | +3.59% | 73rd worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.00% | 4.80% | +2.20% | 63rd |
| Loan Growth (Y/Y) | 11.20% | 6.01% | +5.19% | 76th |
| Deposit Growth (Y/Y) | 5.41% | 4.64% | +0.77% | 55th |
See First Financial Bank, N.A.'s peers by name
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Unlock this 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, N.A. 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, N.A. peer analysis.