First Financial Trust N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Financial Trust N.A. is an FDIC-insured bank headquartered in Wellesley, MA. At Q2 2026 it reported total assets of $19.5M, up 10.6% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Wellesley, MA
- Established
- Not reported
- Total assets, Q2 2026
- $19.5M
- Assets vs Q2 2025
- +10.6%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 011060262
- Latest call report
- Q2 2026, FFIEC 051 · First Financial Trust N.A. call report
- Holding company
- SAVINGS BANK, THE
First Financial Trust N.A. carries far more capital than most banks of its size. The Wellesley, Massachusetts bank had $19 million in assets at June 30, 2026, up 10.6% from a year earlier. It funds 84.56% of its assets with Tier 1 capital, 6.5 times the median of 13.06% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 20% from a year earlier, to $315,000.
As of June 30, 2026, First Financial Trust N.A. reported a return on assets of 6.61% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $19.5M. Judged on its Q2 2026 call report, First Financial Trust N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 12
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $19.1M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 1369870
- Parent Holding Company
- SAVINGS BANK, THE (RSSD 711801)
- Ultimate Parent
- WAKEFIELD BANCORP MHC (RSSD 4466912)
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Financial Trust N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Financial Trust N.A.'s total assets moved between a low of $14.6M (Q3 2023) and a high of $19.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$19.5M total assets against $17.6M; $2.9M total liabilities against $2.2M.
$0 net loans and leases against $0; $0 total deposits against $0.
$9.6M securities against $9.3M; $5.1M cash and balances due against $3.7M.
$115K total interest income against $110K; $0 total interest expense against $0.
$115K net interest income against $110K.
$1.1M total noninterest income against $948K; $799K total noninterest expense against $695K.
No provision recorded in the last 12 quarters.
$315K net income against $262K.
6.61% return on assets against 6.14%; 3.73% net interest margin against 4.55%.
84.56% tier 1 leverage ratio against 87.92%.
Inside the full First Financial Trust N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 4.93% (Q1 2026) to 9.12% (Q4 2024) and its net interest margin ran from 3.73% (Q2 2026) to 5.00% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 84.56% | 6.61% | — | 0.00% | 3.73% |
| Q1 2026 | 84.61% | 4.93% | — | 0.00% | 3.97% |
| Q4 2025 | 85.44% | 7.82% | — | 0.00% | 4.66% |
| Q3 2025 | 86.41% | 7.22% | — | 0.00% | 4.22% |
| Q2 2025 | 87.92% | 6.14% | — | 0.00% | 4.55% |
| Q1 2025 | 87.10% | 6.80% | — | 0.00% | 4.36% |
| Q4 2024 | 87.81% | 9.12% | — | 0.00% | 5.00% |
| Q3 2024 | 87.73% | 7.96% | — | 0.00% | 4.73% |
Swipe the table sideways to see every column.
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 |
|---|---|---|---|
| July 1, 2003 | Structure Change | Acquired Freedom Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, 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 Trust N.A.
What are First Financial Trust N.A.'s total assets?
As of the Q2 2026 filing, First Financial Trust N.A. reported total assets of $19.5 million in its FFIEC call report.
Where is First Financial Trust N.A. headquartered?
It is headquartered in Wellesley, MA, United States.
What is First Financial Trust N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 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 non-performing assets against the bank's capital and reserves.
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