Bank Safety Analysis
Is First Financial Bank, N.A. Safe? Terre Haute, Indiana
Based on its Q3 2026 call report, First Financial Bank, N.A. meets every capital ratio test for well capitalized, its Texas ratio is 3.88%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First Financial Bank, N.A. safe?
On its Q3 2026 call report, First Financial Bank, N.A.'s CET1 ratio is 13.14%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 13.14%
- Tier 1 leverage ratio (Q3 2026): 10.71%
- Texas ratio (Q3 2026): 3.88%
- Noncurrent loans ratio (Q3 2026): 0.48%
First Financial Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4382). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Financial Bank, N.A. (FDIC Certificate #4382) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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First Financial Bank, N.A. passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
Return on assets rose 0.31 percentage points from Q2 2026 to Q3 2026, ending at 1.80% against 1.48%. It was the largest change among the key lines 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). First Financial Bank, N.A. reported 13.14% on CET1 ratio for Q3 2026, 0.46 points below the 13.60% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, First Financial Bank, N.A.'s CET1 ratio ranged between 12.32% (Q1 2026) and 13.94% (Q1 2024) and its Texas ratio ranged between 2.00% (Q2 2025) and 5.71% (Q4 2023). Between Q3 2025 and Q3 2026, First Financial Bank, N.A.'s CET1 ratio rose from 13.05% to 13.14%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.49% to 0.48%, Texas ratio rose from 3.55% to 3.88% and return on assets rose from 1.48% to 1.80%.
First Financial Bank, N.A. ranks as the 9th largest of the 87 banks based in Indiana, by total assets at Q3 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $960.9M of $4.41B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, First Financial Bank, N.A.'s CET1 ratio of 13.14% is below the 13.60% median, Tier 1 leverage ratio of 10.71% is above the 10.54% median, nonperforming loans ratio of 0.48% is below the 0.54% median, Texas ratio of 3.88% is below the 3.95% median, and efficiency ratio of 51.56% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
First Financial Bank, N.A.'s 12-month failure risk score is 0.11 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does First Financial Bank, N.A. score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does First Financial Bank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.14% | Within range |
| Texas ratio BankRegReports band | 3.88% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.48% | Within range |
| Uninsured deposit share BankRegReports band | 37.96% | Within range |
| Loan-to-deposit ratio BankRegReports band | 90.28% | Within range |
| Commercial real estate to capital BankRegReports band | 257.14% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 13.14% |
| Q2 2026 | 12.62% |
| Q1 2026 | 12.32% |
| Q4 2025 | 13.11% |
| Q3 2025 | 13.05% |
| Q2 2025 | 12.80% |
| Q1 2025 | 12.95% |
| Q4 2024 | 12.76% |
| Q3 2024 | 12.63% |
| Q2 2024 | 13.44% |
| Q1 2024 | 13.94% |
| Q4 2023 | 13.84% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 3.88% |
| Q2 2026 | 4.70% |
| Q1 2026 | 4.98% |
| Q4 2025 | 2.58% |
| Q3 2025 | 3.55% |
| Q2 2025 | 2.00% |
| Q1 2025 | 2.17% |
| Q4 2024 | 2.92% |
| Q3 2024 | 2.84% |
| Q2 2024 | 3.86% |
| Q1 2024 | 5.64% |
| Q4 2023 | 5.71% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $960.9M
- 1-4 family residential loans: $777.6M
- Auto loans: $709.0M
- Commercial and industrial loans: $601.8M
- Multifamily loans: $494.7M
- Construction and land development loans: $359.7M
- Owner-occupied commercial real estate loans: $125.5M
- Agricultural production loans: $116.8M
How have First Financial Bank, N.A.'s safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $6.06B | 13.14% | 10.71% | 0.48% | 3.88% | 51.56% |
| Jun 30, 2026 | $6.17B | 12.62% | 10.36% | 0.61% | 4.70% | 55.46% |
| Mar 31, 2026 | $6.12B | 12.32% | 10.14% | 0.64% | 4.98% | 56.65% |
| Dec 31, 2025 | $5.75B | 13.11% | 10.82% | 0.36% | 2.58% | 57.89% |
| Sep 30, 2025 | $5.66B | 13.05% | 10.63% | 0.49% | 3.55% | 54.44% |
| Jun 30, 2025 | $5.59B | 12.80% | 10.40% | 0.25% | 2.00% | 56.48% |
| Mar 31, 2025 | $5.54B | 12.95% | 10.43% | 0.27% | 2.17% | 54.53% |
| Dec 31, 2024 | $5.55B | 12.76% | 10.26% | 0.35% | 2.92% | 59.47% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Financial Bank, N.A. FDIC insured?
Yes. First Financial Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4382). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Financial Bank, N.A. well capitalized?
On its Q3 2026 call report, First Financial Bank, N.A.'s CET1 ratio is 13.14%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First Financial Bank, N.A.'s key safety ratios?
For Q3 2026, First Financial Bank, N.A. reports CET1 13.14%, leverage 10.71%, Texas ratio 3.88%, noncurrent loans 0.48%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if First Financial Bank, N.A. fails?
For Q3 2026, First Financial Bank, N.A. reported $4.89B in total deposits, 37.96% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full First Financial Bank, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio First Financial Bank, N.A. is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 4382) · FFIEC NIC profile (RSSD 693345)
Explore: Full First Financial Bank, N.A. profile · Other banks in IN · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.