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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 28905 · AR B · 75/100

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

  • GRADE-B B (75/100)
  • MID-PACK #2551/4307
  • PHOTO-FINISH Delta Bank · LA
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-HEALTHY 17.8% Texas
  • ROA-STRONG 2.06% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Delta Bank, LA (±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 Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bankers' Bank of the… · CO ·…75/100Delta Bank · LA · near75/100First Financial Bank · AR · …75/100Gulf Coast Bank and… · LA · …75/100VIKING BANK, NATIONA… · MN ·…75/100Tioga-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 #28905) carries a PlainBankData health grade of B at 75/100, 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 #2,551 of 4,307. Tier 1 capital prints at 11.03%, clearing the 10% well-capitalized line. The Texas Ratio is 17.83%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.06%. Balance-sheet scale is $1.9B, 625th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Delta Bank (LA), 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

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

First Financial Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 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.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

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

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.

0/100100/100National avg77/10075/100
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 Assets

$1.9B

Total balance-sheet footings

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

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.63% 11.03% 12.43%
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 75/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

75 41st percentile higher than 41% 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 $1.9B falls in the highlighted band.

Safety ratios for First Financial Bank

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

What these ratios mean →

Earnings posture at First Financial Bank

Return on Assets (ROA)
91st percentile nationally
2.06%
Return on Equity (ROE)
17.72%
Efficiency Ratio
58.95%

What these mean →

Income & expense at First Financial Bank

$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.

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

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.9B here), outside Arkansas so the neighborhood is not state containment.

Shinhan Bank America $1.9B · NY Whitaker Bank $1.9B · KY BankWest, Inc. $1.9B · SD Fall River Five Cents Savings Bank $1.9B · MA

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.

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

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
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%