First Financial Trust N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on assets: 1.69 percentage points higher than in Q1 2026, at 6.61%. First Financial Trust N.A.'s return on assets of 6.61% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 5.63 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 84.56% |
| Equity capital to assets | 84.97% |
| Tangible equity to tangible assets | 82.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 6.61% |
| Return on equity | 7.68% |
| Net interest margin | 3.73% |
| Efficiency ratio | 64.64% |
| Yield on earning assets | 3.73% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 49.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin |
|---|---|---|---|
| Q3 2023 | 89.76% | 8.93% | 5.09% |
| Q4 2023 | 88.95% | 6.23% | 5.26% |
| Q1 2024 | 88.40% | 6.45% | 4.94% |
| Q2 2024 | 88.41% | 8.78% | 5.21% |
| Q3 2024 | 87.73% | 7.96% | 4.73% |
| Q4 2024 | 87.81% | 9.12% | 5.00% |
| Q1 2025 | 87.10% | 6.80% | 4.36% |
| Q2 2025 | 87.92% | 6.14% | 4.55% |
| Q3 2025 | 86.41% | 7.22% | 4.22% |
| Q4 2025 | 85.44% | 7.82% | 4.66% |
| Q1 2026 | 84.61% | 4.93% | 3.97% |
| Q2 2026 | 84.56% | 6.61% | 3.73% |
First Financial Trust N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Trust N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Financial Trust N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 1369870)