FDIC Cert #3066 · Abilene, Texas · Est. 1889

First Financial Bank - FDIC Bank Health Profile

A community-scale look at First Financial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$15.4B
Total assets
A
Health grade · Excellent
1.64%
Return on assets
18.2%
Tier 1 capital

Data updated July 2026

The verdict

First Financial Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.18% Tier 1, profitable at 1.64% ROA, efficient (46% cost ratio).

#125
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
18.18%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 3066 · TX A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #5/4307
  • PHOTO-FINISH Westamerica Bank · CA
  • TIER1-WELL 18.2% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-STRONG 1.64% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Westamerica Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Financial Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

First Financial Bank · TX · …100/100Grundy Bank · IL · near100/100Morgan Stanley Bank,… · UT ·…100/100Nekoosa Port Edwards… · WI ·…100/100Union National Bank… · IL · …100/100Westamerica Bank · CA · near100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Financial Bank · July 2026

Call Report read for First Financial Bank in a high-failure state

First Financial Bank (FDIC Cert #3066) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #5 of 4,307. Tier 1 capital prints at 18.18%, clearing the 10% well-capitalized line. The Texas Ratio is 3.03%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.64%. Balance-sheet scale is $15.4B, 125th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Westamerica Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Financial Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

First Financial Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about First Financial Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How First Financial Bank's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
First Financial Bank's composite health score
Tier 1 Capital Ratio (18.18%) 40/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (3.03%) 20/20
Efficiency Ratio (45.67%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$15.4B

Total balance-sheet footings

Total Deposits

$13.5B

Customer-funded liabilities

Net Loans

$8.1B

Outstanding loan book

Net Income

$238M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.78% 18.18% 19.58%
Basel III capital ratios - First Financial Bank

Where First Financial Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Financial Bank's score of 100/100 falls in the highlighted band.

First Financial Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First Financial Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Financial Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Financial Bank's $15.4B falls in the highlighted band.

Capital & credit buffers at First Financial Bank

Tier 1 capital ratio
Well-capitalized 10%

18.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.18%
Texas Ratio
3.03%
Equity Capital
$1.7B

What these ratios mean →

Earnings posture at First Financial Bank

Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
14.90%
Efficiency Ratio
45.67%

What these mean →

Income & expense at First Financial Bank

$701M
Interest Income
$87M
Non-Interest Income
$268M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Financial Bank reports a Texas Ratio of 3.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Financial Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to First Financial Bank by assets

First Financial Bank is closely matched in total assets by Dime Community Bank, Toyota Financial Savings Bank, Bank of America California, Citizens Business Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.75%, versus First Financial Bank's own 1.64%; the average efficiency ratio is 56.69%, versus 45.67% here; and average Tier 1 capital sits at 17.82%, versus 18.18% at First Financial Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $15.4B in assets, First Financial Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to First Financial Bank nationally by total assets
  1. 1
    Dime Community Bank $15.3B

    Hauppauge, NY · Grade A

  2. 2
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  3. 3
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  4. 4
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

  5. 5
    Popular Bank $15.1B

    New York, NY · Grade B

  6. 6
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
First Financial Bank (this bank) TX $15.4B 1.64% 45.67% 18.18%
Dime Community Bank NY $15.3B 0.87% 53.42% 14.40%
Toyota Financial Savings Bank NV $15.4B 0.30% 73.28% 15.74%
Bank of America California, National Association CA $15.5B 0.54% 52.30% 36.85%
Citizens Business Bank, National Association CA $15.6B 1.39% 42.42% 15.66%
Popular Bank NY $15.1B 0.60% 62.61% 13.79%
Live Oak Banking Company NC $15.1B 0.82% 56.12% 10.46%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.4B here), outside Texas so the neighborhood is not state containment.

Dime Community Bank $15.3B · NY Toyota Financial Savings Bank $15.4B · NV Bank of America California $15.5B · CA Citizens Business Bank $15.6B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Financial Bank (FDIC Cert #3066) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Financial Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%
Stellar BankHouston $10.8B A 1.07%