Total Assets
$1.9B
Total balance-sheet footings
FDIC Cert #28905 · El Dorado, Arkansas · Est. 1934
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.
- $1.9B
- Total assets
- B
- Health grade · Good
- 2.06%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
First Financial Bank earns a PlainBankData health grade of B (75/100), with well-capitalized at 11.03% Tier 1, profitable at 2.06% ROA, efficient (59% cost ratio).
- #625
- largest of 4,313 FDIC banks by assets
- 86th
- percentile by asset size, nationally
- 11.03%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- 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.
How First Financial Bank's 75/100 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 (11.03%) 28/40
Return on Assets (ROA) (2.06%) 25/25
Texas Ratio (17.83%) 10/20
Efficiency Ratio (58.95%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$38M
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 75/100 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 $1.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.03%
Texas Ratio
17.83%
Equity Capital
$222M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.06%
Return on Equity (ROE)
17.72%
Efficiency Ratio
58.95%
What the numbers say about First Financial Bank
First Financial Bank is an FDIC-insured institution (Certificate #28905) headquartered in El Dorado, Arkansas, established in 1934. It holds $1.9B in total assets - 625th of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.6B in net loans. Its capital position: a Tier 1 ratio of 11.03%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 17.83% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (75 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 13th of 78 banks headquartered in Arkansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$120M
Interest Income
$31M
Non-Interest Income
$63M
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 17.83% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Financial Bank (FDIC Cert #28905) - 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 Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is First Financial Bank's health grade?▼
First Financial Bank receives a health grade of B (75/100) 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 $1.9B in total assets and $1.6B in deposits, ranking 625th of 4,313 FDIC-insured banks by asset size. It is headquartered in El Dorado, Arkansas.
Is my money safe at First Financial Bank?▼
Yes, deposits at First Financial Bank (Certificate #28905) 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 11.03%. 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 17.83%. 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 58.95%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. 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 Arkansas banks before moving funds. Arkansas 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.