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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.72% | 1.63% | 1.61% | 1.71% | -9 bps | |
| Return on Equity | 15.53% | 14.77% | 13.98% | 13.88% | 14.87% | -67 bps | |
| Net Interest Margin | 4.09% | 4.07% | 4.00% | 3.98% | 4.08% | 0 bps | |
| Efficiency Ratio | 56.84% | 58.02% | 58.95% | 57.07% | 54.86% | -197 bps | |
| Non-Interest Burden | 1.53% | 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 / Loans | 1.90% | 2.02% | 2.64% | 3.41% | 3.64% | +174 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.20% | 0.20% | 0.12% | 0.20% | +13 bps | |
| Allowance / Loans | 1.05% | 0.97% | 1.03% | 1.06% | 1.06% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.4x | 0.3x | 0.3x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.52% | 11.41% | 11.03% | 11.20% | 11.15% | -37 bps | |
| Total Risk-Based Capital | 11.52% | 11.41% | 11.03% | 11.20% | 11.15% | -37 bps | |
| Equity / Assets | 11.98% | 11.59% | 11.68% | 11.52% | 11.35% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.19% | 99.88% | 100.50% | 102.12% | 103.19% | +400 bps | |
| Liquid Assets / Assets | 2.98% | 4.46% | 3.08% | 3.71% | 3.55% | +57 bps | |
| CRE / Total Capital | n/a | 194.96% | 197.24% | 202% | n/a | n/a | |