First Financial Bank, National Association
Terre Haute, IN · Cert 4382 · Peer group: banks $1B-$10B in assets (n=322-328) · First Financial Corp.
National charter · OCC · 82 branches
Q2 2026
$6.2BAssets
$4.5BLoans
$4.9BDeposits
$661.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 74% of banks $1B-$10B in assets (rank 86 of 328).
- Widest gap: net charge-offs / loans trails 82% of banks $1B-$10B in assets (rank 264 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.41%
Rank 104 of 328
Net Interest Margin
3.80%
Rank 86 of 328
Efficiency Ratio
58.74%
Rank 153 of 328
Equity / Assets
10.72%
Rank 144 of 328
Non-interest income vs. expense
Unfavorable gap of $118.0M · efficiency ratio beats 54% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.91% | 1.22% | 1.52% | Beats 68% | 104 / 328 | |
| Return on Equity | 13.16% | 8.43% | 11.45% | 14.43% | Beats 65% | 115 / 328 | |
| Net Interest Margin | 3.80% | 3.03% | 3.45% | 3.83% | Beats 74% | 86 / 328 | |
| Efficiency Ratio | 58.74% | 51.61% | 59.56% | 67.53% | Beats 54% | 153 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.24% | 0.51% | 1.03% | Beats 44% | 182 / 322 | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.03% | 0.10% | Beats 18% | 264 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.62% | 11.75% | 13.15% | 15.47% | Beats 42% | 189 / 328 | |
| Total Risk-Based Capital Ratio | 13.63% | 12.63% | 14.15% | 16.46% | Beats 43% | 188 / 328 | |
| Equity / Assets | 10.72% | 9.15% | 10.33% | 12.01% | Beats 56% | 144 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.11% | 76.63% | 87.92% | 95.36% | 65th pctl | 112 / 323 | |
| Loans / Assets | 72.39% | 65.18% | 74.15% | 79.98% | 44th pctl | 184 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |