First Financial Bank, N.A.: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
First Financial Bank, N.A. reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 47.77 percentage points higher than in Q2 2026, at 235.97%. Within Indiana, First Financial Bank, N.A. is 15th of 87 on return on assets, 1.80% as of Q3 2026. First Financial Bank, N.A. reported 1.80% on return on assets for Q3 2026, 0.50 points above the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
CET1 capital ratio moved most in this table, up 0.52 points: 12.62% in Q2 2026, 13.14% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 13.14% |
| Tier 1 risk-based capital ratio | 13.14% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 10.71% |
| Equity capital to assets | 10.62% |
| Tangible equity to tangible assets | 8.90% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.48% |
| Nonperforming assets ratio | 0.37% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 3.88% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of nonperforming loans | 235.97% |
Earnings
Largest change in this table: return on equity, up 2.92 points to 17.21% in Q3 2026 after 14.29% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 17.21% |
| Net interest margin | 4.43% |
| Efficiency ratio | 51.56% |
| Yield on earning assets | 6.04% |
| Cost of funds | 1.81% |
Liquidity and funding
Largest change in this table: deposits to assets, up 2.06 points to 80.66% in Q3 2026 after 78.60% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 90.28% |
| Core deposits to total deposits | 95.39% |
| Brokered deposits to total deposits | 1.52% |
| Deposits to assets | 80.66% |
| Securities to assets | 18.23% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 13.84% | 13.84% | 14.89% | 10.73% | 1.02% |
| Q1 2024 | 13.94% | 13.94% | 14.99% | 10.91% | 0.92% |
| Q2 2024 | 13.44% | 13.44% | 14.44% | 10.48% | 0.94% |
| Q3 2024 | 12.63% | 12.63% | 13.67% | 10.27% | 0.73% |
| Q4 2024 | 12.76% | 12.76% | 13.81% | 10.26% | 1.20% |
| Q1 2025 | 12.95% | 12.95% | 13.99% | 10.43% | 1.35% |
| Q2 2025 | 12.80% | 12.80% | 13.84% | 10.40% | 1.35% |
| Q3 2025 | 13.05% | 13.05% | 14.09% | 10.63% | 1.48% |
| Q4 2025 | 13.11% | 13.11% | 14.19% | 10.82% | 1.54% |
| Q1 2026 | 12.32% | 12.32% | 13.41% | 10.14% | 1.31% |
| Q2 2026 | 12.62% | 12.62% | 13.68% | 10.36% | 1.48% |
| Q3 2026 | 13.14% | 13.14% | 14.18% | 10.71% | 1.80% |
First Financial Bank, N.A. vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)