Lawrence, KS · Cert 35292 · First Financial Bancshares Inc.
State charter, non-member · FDIC · 5 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
87
Profitability
92
Liquidity
3
Efficiency
96
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.
Lawrence, KS · Cert 35292 · First Financial Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Lawrence, KS · 2026 SOD (annual) · 7.4% share · #6 of 22 inst. · $0.3B of $3.6B
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 | 1.82% | 1.75% | 2.07% | 2.13% | 2.10% | 2.08% | 2.15% | 2.41% | +29 bps | |
| Return on Equity | 13.64% | 13.22% | 16.55% | 16.92% | 16.48% | 16.12% | 16.17% | 17.98% | +106 bps | |
| Net Interest Margin | 4.45% | 3.98% | 4.28% | 4.41% | 4.35% | 4.47% | 4.63% | 4.86% | +45 bps | |
| Efficiency Ratio | 46.28% | 48.72% | 43.35% | 41.88% | 41.48% | 42.23% | 41.55% | 39.16% | -272 bps | |
| Non-Interest Burden | 1.87% | 1.78% | 1.46% | 1.52% | 1.53% | 1.63% | 1.73% | 1.65% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.69% | 17.83% | 19.85% | 17.51% | 6.85% | 1.71% | 1.75% | 1.14% | -1,637 bps | |
| Loan Growth (YoY) | 12.88% | 9.07% | 9.10% | 10.24% | 0.37% | 3.57% | 6.50% | 5.34% | -489 bps | |
| Deposit Growth (YoY) | 30.59% | 37.70% | 29.74% | 24.39% | 7.32% | 1.49% | 1.73% | 0.79% | -2,360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.05% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.85% | 0.88% | 0.88% | 0.87% | 0.91% | 0.95% | 0.91% | 0.92% | +5 bps | |
| Allowance Coverage of NPLs | 1.4x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.11% | 9.87% | 9.62% | 10.17% | 10.51% | 10.55% | 10.52% | 10.97% | +80 bps | |
| Total Risk-Based Capital | 11.11% | 9.87% | 9.62% | 10.17% | 10.51% | 10.55% | 10.52% | 10.97% | +80 bps | |
| Equity / Assets | 12.88% | 12.64% | 12.34% | 12.70% | 13.36% | 13.54% | 13.06% | 13.63% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.17% | 96.30% | 95.89% | 98.10% | 94.62% | 98.27% | 100.38% | 102.53% | +443 bps | |
| Liquid Assets / Assets | 1.24% | 0.66% | 0.61% | 2.97% | 2.96% | 2.99% | 2.91% | 2.83% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 404% | 403% | 417% | n/a | n/a | |
Lawrence, KS · Cert 35292 · Peer group: banks under $1B in assets (n=581-629) · First Financial Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
2.37%
Rank 56 of 629
Net Interest Margin
4.86%
Rank 37 of 629
Efficiency Ratio
39.56%
Rank 25 of 629
Equity / Assets
13.63%
Rank 164 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.37% | 0.60% | 1.01% | 1.45% | Beats 91% | 56 / 629 | ||
| Return on Equity | 17.38% | 5.38% | 9.30% | 13.28% | Beats 90% | 65 / 629 | ||
| Net Interest Margin | 4.86% | 3.03% | 3.54% | 4.05% | Beats 94% | 37 / 629 | ||
| Efficiency Ratio | 39.56% | 58.35% | 67.79% | 79.08% | Beats 96% | 25 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 73% | 160 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 11.24% | 13.84% | 18.77% | Beats 22% | 492 / 629 | ||
| Total Risk-Based Capital Ratio | 10.97% | 11.58% | 14.43% | 19.66% | Beats 18% | 513 / 629 | ||
| Equity / Assets | 13.63% | 9.09% | 10.65% | 13.80% | Beats 74% | 164 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.53% | 67.24% | 80.90% | 93.48% | 89th pctl | 63 / 594 | ||
| Loans / Assets | 84.16% | 53.31% | 67.71% | 78.15% | 90th pctl | 64 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||