Total Assets
$245M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$237M
Customer-funded liabilities
Net Loans
$128M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
52.65%
Efficiency Ratio
74.87%
What the numbers say about First Financial Bank
First Financial Bank is an FDIC-insured institution (Certificate #19440) headquartered in Bessemer, Alabama, established in 1965. It holds $245M in total assets - 2,761st of 4,313 FDIC-insured banks, $237M in customer deposits, and $128M in net loans. Its capital position: a Tier 1 ratio of 15.29%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 25.21% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Financial Bank sits 53rd of 94 banks headquartered in Alabama by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Alabama by total assets
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.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Financial Bank's health grade?▼
First Financial Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Financial Bank?▼
First Financial Bank holds $245M in total assets and $237M in deposits, ranking 2,761st of 4,313 FDIC-insured banks by asset size. It is headquartered in Bessemer, Alabama.
Is my money safe at First Financial Bank?▼
Yes, deposits at First Financial Bank (Certificate #19440) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Financial Bank's Tier 1 Capital Ratio?▼
First Financial Bank has a Tier 1 Capital Ratio of 15.29%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Financial Bank?▼
First Financial Bank has a Texas Ratio of 25.21%. Staying under 50% is the level analysts treat as 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 74.87%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. 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
- Compare First Financial Bank against other Alabama banks before moving funds. Alabama 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.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.