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
Unfavorable gap of $30.1M · efficiency ratio beats 65% of banks $1B-$10B in assets operating regionally | 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 |