Is First Financial Bank Safe?
First Financial Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (69/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.09% | 100/100 |
| Nonperforming Loan Ratio | 0.21% | 96/100 |
| Liquidity Ratio | 39.72% | 100/100 |
| Return on Assets | 1.22% | 69/100 |
| Total Assets | $0.2B | |
How does First Financial Bank compare?
With a Bank Health Score of 96/100, First Financial Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, First Financial Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 15.09% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.21% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Financial Bank's Bank Health Score fell by 1.0 points to 96/100. Tier 1 capital was essentially flat at 15.09%. Quarter-over-quarter, the score rose by 1.0 points.
First Financial Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (69/100).