Is First Financial Trust NA Well Capitalized?
First Financial Trust NA (FDIC cert #27479) reports a Tier 1 capital ratio of 88.41%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — First Financial Trust NA carries 80.41 percentage points of cushion above the floor.
This page answers a common banking-safety question: Is First Financial Trust NA Well Capitalized?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Financial Trust NA Capital Position
- Tier 1 capital ratio
- 88.41%
- Regulatory status
- well capitalized
- Well-capitalized floor
- 8.00%
- Cushion vs. floor
- +80.41 pts
- Capital factor score
- 100/100
Source: FDIC Call Report data (cert #27479). Regulatory categories follow federal prompt-corrective-action thresholds.
First Financial Trust NA's Tier 1 capital ratio of 88.41% sits comfortably above the 8% "well-capitalized" threshold and clears the stricter 10% floor many community banks target — a strong core-equity cushion against loan losses. Tier 1 capital is the loss-absorbing equity that stands between a bank's depositors and its credit risk, which is why regulators weight it so heavily — and why BankHealth assigns it 35% of the composite score (this factor scores 100/100 for First Financial Trust NA).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 88.41% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 72.35% | 100/100 |
| Return on Assets | 10.56% | 100/100 |
| Total Assets | $0.0B | |
How does First Financial Trust NA compare?
With a Bank Health Score of 100/100, First Financial Trust NA sits 20.0 points above the national average of 80/100 for FDIC-insured banks. Within Massachusetts, where 97 FDIC-insured banks are headquartered, First Financial Trust NA ranks above the state average of 75/100 (Grade B).
The bank's Tier 1 capital ratio of 88.41% 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 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Financial Trust NA's Bank Health Score held roughly steady at 100/100. Tier 1 capital weakened by 1.35 percentage points to 88.41%.
Frequently Asked Questions
First Financial Trust NA (FDIC cert #27479) reports a Tier 1 capital ratio of 88.41%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — First Financial Trust NA carries 80.41 percentage points of cushion above the floor.
The Tier 1 capital ratio measures a bank's core equity capital as a percentage of its risk-weighted assets. It is the single most important regulatory gauge of whether a bank can absorb losses without failing. Federal regulators consider 8% or higher "well-capitalized," and many community banks target 10%+. First Financial Trust NA's ratio of 88.41% places it in the "well capitalized" regulatory category.
"Well capitalized" is a federal regulatory status (Tier 1 capital ratio of 8% or more) signaling that a bank holds enough equity to absorb unexpected loan losses. First Financial Trust NA meets this bar at 88.41%, the strongest of the federal capital categories. For depositors, insured balances (up to $250,000 per ownership category) are protected by the FDIC regardless of a bank's capital status — strong capital primarily reduces the odds of failure in the first place.
First Financial Trust NA's Bank Health Score of 100/100 is 25.0 points above the Massachusetts state average of 75/100. 97 FDIC-insured banks are headquartered in Massachusetts.
Yes. First Financial Trust NA (FDIC certificate #27479) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Financial Trust NA
First Financial Trust NA (FDIC cert #27479) reports a Tier 1 capital ratio of 88.41%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — First Financial Trust NA carries 80.41 percentage points of cushion above the floor.