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First Financial Bank

El Dorado, AR · Cert 28905 · First Financial Banc Corp.

State charter, Fed member · FED · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Financial Bank

El Dorado, AR · Cert 28905 · First Financial Banc Corp.

State charter, Fed member · FED · 17 branches

Q2 2026

$2.0BAssets
$1.7BLoans
$1.7BDeposits
$231.3MEquity
Loan mix
89%RE $1.4B9%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.5B13%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.92%Q2 ’246.50%Q2 ’256.29%Q2 ’26+20%0%

Non-interest income vs. expense

3.23%Q2 ’243.39%Q2 ’253.10%Q2 ’26-3%0%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.2% share · #38 of 48 inst. · $0.1B of $46.3B

50.5% Union
38.5% Leake
30.8% Cross
16.0% Tate

Executive Summary

  • Earnings: ROA of 1.71%, down 9 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 3.64% of loans (+174 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 11.15%, down 37 bps from a year ago.
  • Funding: loans stand at 103.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.71%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.08%0 bps YoY

Efficiency Ratio (YTD, annualized)

54.86%-197 bps YoY

Tier 1 Leverage Ratio

11.15%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.72%1.63%1.61%1.71%-9 bps
Return on Equity15.53%14.77%13.98%13.88%14.87%-67 bps
Net Interest Margin4.09%4.07%4.00%3.98%4.08%0 bps
Efficiency Ratio56.84%58.02%58.95%57.07%54.86%-197 bps
Non-Interest Burden1.53%1.61%1.69%1.55%1.52%0 bps
Growth
Asset Growth (YoY)5.38%7.71%4.10%7.93%12.09%+671 bps
Loan Growth (YoY)7.84%11.16%9.40%9.52%13.79%+596 bps
Deposit Growth (YoY)9.15%10.32%6.13%5.70%9.38%+24 bps
Asset Quality
Nonperforming Loans / Loans1.90%2.02%2.64%3.41%3.64%+174 bps
Net Charge-Offs / Loans0.07%0.20%0.20%0.12%0.20%+13 bps
Allowance / Loans1.05%0.97%1.03%1.06%1.06%+1 bps
Allowance Coverage of NPLs0.6x0.5x0.4x0.3x0.3x-0.3x
Capital
Tier 1 Leverage Ratio11.52%11.41%11.03%11.20%11.15%-37 bps
Total Risk-Based Capital11.52%11.41%11.03%11.20%11.15%-37 bps
Equity / Assets11.98%11.59%11.68%11.52%11.35%-63 bps
Liquidity & Funding
Loans / Deposits99.19%99.88%100.50%102.12%103.19%+400 bps
Liquid Assets / Assets2.98%4.46%3.08%3.71%3.55%+57 bps
CRE / Total Capitaln/a194.96%197.24%202%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Financial Bank

El Dorado, AR · Cert 28905 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Financial Banc Corp.

State charter, Fed member · FED · 17 branches

Q2 2026

$2.0BAssets
$1.7BLoans
$1.7BDeposits
$231.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 84% of banks $1B-$10B in assets operating regionally (rank 29 of 176).
  • Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets operating regionally (rank 175 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.65%

Rank 29 of 176

Net Interest Margin

4.08%

Rank 28 of 176

Efficiency Ratio

55.28%

Rank 62 of 176

Equity / Assets

11.35%

Rank 54 of 176

Non-interest income vs. expense

$31.3M$61.4MINCOMEEXPENSE
Unfavorable gap of $30.1M · efficiency ratio beats 65% of banks $1B-$10B in assets operating regionally
Bank 55.28%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.65%0.93%1.26%1.54%Beats 84%29 / 176
Return on Equity14.52%9.26%11.89%14.46%Beats 76%43 / 176
Net Interest Margin4.08%3.25%3.59%3.93%Beats 84%28 / 176
Efficiency Ratio55.28%52.79%59.55%67.66%Beats 65%62 / 176
Asset Quality
Nonperforming Loans / Loans3.64%0.30%0.64%1.32%Beats 1%175 / 176
Net Charge-Offs / Loans0.11%0.01%0.04%0.10%Beats 20%142 / 176
Capital
Tier 1 Capital Ratio11.15%11.15%12.72%14.15%Beats 25%132 / 176
Total Risk-Based Capital Ratio11.15%11.81%13.63%15.33%Beats 16%148 / 176
Equity / Assets11.35%9.16%10.35%11.80%Beats 69%54 / 176
Liquidity & Funding
Loans / Deposits103.19%80.94%89.73%97.21%90th pctl17 / 176
Loans / Assets85.02%69.25%75.12%80.82%93rd pctl12 / 176
Brokered Deposits / Depositsn/aNot reported for this institution