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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

$2.0BAssets
$1.7BLoans
$1.7BDeposits
$231.3MEquity
Loan mix
89%RE $1.4B9%C&I $0.1B2%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.5B13%Noninterest $0.2BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.42%1.55%1.81%1.72%1.63%1.61%1.71%-9 bps
Return on Equity11.23%12.32%13.54%15.53%14.77%13.98%13.88%14.87%-67 bps
Net Interest Margin3.42%3.51%3.88%4.09%4.07%4.00%3.98%4.08%0 bps
Efficiency Ratio62.74%60.99%59.61%56.84%58.02%58.95%57.07%54.86%-197 bps
Non-Interest Burden1.55%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 / Loans2.64%2.28%2.64%1.90%2.02%2.64%3.41%3.64%+174 bps
Net Charge-Offs / Loans0.16%0.16%0.10%0.07%0.20%0.20%0.12%0.20%+13 bps
Allowance / Loans1.00%1.01%1.02%1.05%0.97%1.03%1.06%1.06%+1 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.6x0.5x0.4x0.3x0.3x-0.3x
Capital
Tier 1 Leverage Ratio11.09%10.95%11.19%11.52%11.41%11.03%11.20%11.15%-37 bps
Total Risk-Based Capital11.09%10.95%11.19%11.52%11.41%11.03%11.20%11.15%-37 bps
Equity / Assets11.65%11.27%11.63%11.98%11.59%11.68%11.52%11.35%-63 bps
Liquidity & Funding
Loans / Deposits99.13%97.50%98.56%99.19%99.88%100.50%102.12%103.19%+400 bps
Liquid Assets / Assets4.57%4.94%3.44%2.98%4.46%3.08%3.71%3.55%+57 bps
CRE / Total Capitaln/an/an/an/a194.96%197.24%202%n/an/a