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
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.
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.
Capital
37
Asset Quality
11
Profitability
81
Liquidity
0
Efficiency
65
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.
El Dorado, AR · Cert 28905 · First Financial Banc Corp.
State charter, Fed member · FED · 17 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.2% share · #38 of 48 inst. · $0.1B of $46.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.42% | 1.55% | 1.81% | 1.72% | 1.63% | 1.61% | 1.71% | -9 bps | |
| Return on Equity | 11.23% | 12.32% | 13.54% | 15.53% | 14.77% | 13.98% | 13.88% | 14.87% | -67 bps | |
| Net Interest Margin | 3.42% | 3.51% | 3.88% | 4.09% | 4.07% | 4.00% | 3.98% | 4.08% | 0 bps | |
| Efficiency Ratio | 62.74% | 60.99% | 59.61% | 56.84% | 58.02% | 58.95% | 57.07% | 54.86% | -197 bps | |
| Non-Interest Burden | 1.55% | 1.51% | 1.62% | 1.53% | 1.61% | 1.69% | 1.55% | 1.52% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.32% | 9.92% | 6.53% | 5.38% | 7.71% | 4.10% | 7.93% | 12.09% | +671 bps | |
| Loan Growth (YoY) | 11.16% | 10.57% | 9.93% | 7.84% | 11.16% | 9.40% | 9.52% | 13.79% | +596 bps | |
| Deposit Growth (YoY) | 12.72% | 14.89% | 11.06% | 9.15% | 10.32% | 6.13% | 5.70% | 9.38% | +24 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.64% | 2.28% | 2.64% | 1.90% | 2.02% | 2.64% | 3.41% | 3.64% | +174 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.16% | 0.10% | 0.07% | 0.20% | 0.20% | 0.12% | 0.20% | +13 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.02% | 1.05% | 0.97% | 1.03% | 1.06% | 1.06% | +1 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.6x | 0.5x | 0.4x | 0.3x | 0.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 10.95% | 11.19% | 11.52% | 11.41% | 11.03% | 11.20% | 11.15% | -37 bps | |
| Total Risk-Based Capital | 11.09% | 10.95% | 11.19% | 11.52% | 11.41% | 11.03% | 11.20% | 11.15% | -37 bps | |
| Equity / Assets | 11.65% | 11.27% | 11.63% | 11.98% | 11.59% | 11.68% | 11.52% | 11.35% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.13% | 97.50% | 98.56% | 99.19% | 99.88% | 100.50% | 102.12% | 103.19% | +400 bps | |
| Liquid Assets / Assets | 4.57% | 4.94% | 3.44% | 2.98% | 4.46% | 3.08% | 3.71% | 3.55% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.96% | 197.24% | 202% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.65% | 0.93% | 1.26% | 1.54% | Beats 84% | 29 / 176 | ||
| Return on Equity | 14.52% | 9.26% | 11.89% | 14.46% | Beats 76% | 43 / 176 | ||
| Net Interest Margin | 4.08% | 3.25% | 3.59% | 3.93% | Beats 84% | 28 / 176 | ||
| Efficiency Ratio | 55.28% | 52.79% | 59.55% | 67.66% | Beats 65% | 62 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.64% | 0.30% | 0.64% | 1.32% | Beats 1% | 175 / 176 | ||
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.04% | 0.10% | Beats 20% | 142 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.15% | 11.15% | 12.72% | 14.15% | Beats 25% | 132 / 176 | ||
| Total Risk-Based Capital Ratio | 11.15% | 11.81% | 13.63% | 15.33% | Beats 16% | 148 / 176 | ||
| Equity / Assets | 11.35% | 9.16% | 10.35% | 11.80% | Beats 69% | 54 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.19% | 80.94% | 89.73% | 97.21% | 90th pctl | 17 / 176 | ||
| Loans / Assets | 85.02% | 69.25% | 75.12% | 80.82% | 93rd pctl | 12 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||