Total Assets
$15.4B
Total balance-sheet footings
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.
- $15.4B
- Total assets
- A
- Health grade · Excellent
- 1.64%
- Return on assets
- 18.2%
- Tier 1 capital
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
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
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
Safety metrics
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
18.18%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
3.03%
Equity Capital
Tangible book value as a capital buffer
$1.7B
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 79.8th pct nationally
1.64%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
14.90%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
45.67%
What the numbers say about First Financial Bank
First Financial Bank is an FDIC-insured institution (Certificate #3066) headquartered in Abilene, Texas, established in 1889. It holds $15.4B in total assets - 125th of 4,313 FDIC-insured banks, $13.5B in customer deposits, and $8.1B in net loans. On safety, its Tier 1 capital ratio of 18.18% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.03% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Financial Bank's health grade?▼
First Financial Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Financial Bank?▼
First Financial Bank holds $15.4B in total assets and $13.5B in deposits, ranking 125th of 4,313 FDIC-insured banks by asset size. It is headquartered in Abilene, Texas.
Is my money safe at First Financial Bank?▼
Yes. First Financial Bank is FDIC-insured (Certificate #3066). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is First Financial Bank's Tier 1 Capital Ratio?▼
First Financial Bank has a Tier 1 Capital Ratio of 18.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Financial Bank?▼
First Financial Bank has a Texas Ratio of 3.03%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Financial Bank?▼
First Financial Bank has an Efficiency Ratio of 45.67%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Financial Bank's profile as a depositor or analyst.
- First Financial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category, confirm your coverage if balances are large. FDIC insurance explained
- Compare First Financial Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.