FDIC Cert #19440 · Bessemer, Alabama · Est. 1965

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.
$245M
Total assets
B
Health grade · Good
1.10%
Return on assets
15.3%
Tier 1 capital

Data updated July 2026

The verdict

First Financial Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.29% Tier 1, profitable at 1.10% ROA, 75% efficiency ratio.

#2,761
largest of 4,313 FDIC banks by assets
36th
percentile by asset size, nationally
15.29%
Tier 1 ratio - above the 10% well-capitalized line
50th
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 19440 · AL B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2628/4307
  • PHOTO-FINISH Franklin Savings Bank · ME
  • TIER1-WELL 15.3% Tier 1
  • TEXAS-HEALTHY 25.2% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Franklin Savings Bank, ME (±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 Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Cadiz and Tr… · KY ·…74/100First Financial Bank · AL · …74/100First Security Bank… · MT · …74/100Franklin Savings Bank · ME ·…74/100Keystone Savings Bank · IA ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Financial Bank · July 2026

What First Financial Bank's Call Report plate shows

First Financial Bank (FDIC Cert #19440) carries a PlainBankData health grade of B at 74/100, 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 #2,628 of 4,307. Tier 1 capital prints at 15.29%, clearing the 10% well-capitalized line. The Texas Ratio is 25.21%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $245M, 2,761st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Franklin Savings Bank (ME), 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

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

First Financial Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Financial Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

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

How First Financial Bank's 74/100 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 avg77/10074/100
First Financial Bank's composite health score
Tier 1 Capital Ratio (15.29%) 40/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (25.21%) 10/20
Efficiency Ratio (74.87%) 4/15

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

Balance sheet at a glance

Total Assets

$245M

Total balance-sheet footings

Total Deposits

$237M

Customer-funded liabilities

Net Loans

$128M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.89% 15.29% 16.69%
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 74/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

74 39th percentile higher than 39% of 4,307 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. 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 $245M falls in the highlighted band.

Safety ratios for First Financial Bank

Tier 1 capital ratio
Well-capitalized 10%

15.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.29%
Texas Ratio
25.21%
Equity Capital
$7M

What these ratios mean →

Earnings posture at First Financial Bank

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
52.65%
Efficiency Ratio
74.87%

What these mean →

Income & expense at First Financial Bank

$10M
Interest Income
$4M
Non-Interest Income
$9M
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 25.21% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

25.21% - 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 Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($245M here), outside Alabama so the neighborhood is not state containment.

Bank of Easton $245M · MA Farmers and Merchants Bank $245M · TX The Commercial Bank of Grayson $245M · KY First Bank & Trust Company $245M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Financial Bank (FDIC Cert #19440) - 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 · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%