What is First Financial Bank's financial health grade?

First Financial Bank has a TFS Financial Health Grade of D+ (score: 67.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Financial Bank have?

First Financial Bank has 19 branch locations across the United States.

Is First Financial Bank FDIC insured?

Yes, First Financial Bank is FDIC insured (Certificate #28905).

What are the total assets of First Financial Bank?

First Financial Bank has total assets of $1.9B as reported in its most recent FDIC filing.

First Financial Bank

BankEl Dorado, Arkansas

www.ffb1.com

Total Assets

$1.9B

Total Deposits

$1.6B

Branches

Established

1934

TFS Health Grade

D+

67.2 / 100

Below average financial health

How we grade

First Financial Bank is a bank headquartered in El Dorado, Arkansas, established in 1934. With $1.9B in total assets and 19 branch locations, it has a TFS Financial Health Grade of D+ (67.2/100).

Capital & Safety

Tier 1 Capital Ratio

11.15%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.64%

Profitability

Return on Assets (ROA)

2.18%(1%)

Return on Equity (ROE)

18.72%(10%)

Net Interest Margin

4.45%

Efficiency Ratio

57.79%(60%)

Lending & Liquidity

Total Loans

$1.6B

Loan-to-Deposit Ratio

99.46%

Net Charge-Off Ratio

0.20%

Growth

Asset Growth (YoY)

+4.23%

Deposit Growth (YoY)

+6.13%

Net Income

$40.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Financial BankHQ	300 East Peach Street	El Dorado	AR	11
First Financial Bank	3251 Highway 42	Cherry Valley	AR	11
First Financial Bank	500 S Timberlane Dr	El Dorado	AR	11
First Financial Bank	2300 E Main St	El Dorado	AR	11
First Financial Bank	318 Griffith St	El Dorado	AR	11
First Financial Bank	214 N Washington Ave	El Dorado	AR	11
First Financial Bank	810 N Washington St	Forrest City	AR	23
First Financial Bank	605 N Illinois St	Harrisburg	AR	12
First Financial Bank	201 E Jackson St	Harrisburg	AR	11
First Financial Bank	1501 N University Ave	Little Rock	AR	11
First Financial Bank	124 North Edmonds Avenue	Mccrory	AR	11
First Financial Bank	600 Highway 71 S	Mena	AR	11
First Financial Bank	122 W 7th St	Smackover	AR	11
First Financial Bank	528 Merriman Ave E	Wynne	AR	11
First Financial Bank	806 Highway 64 E	Wynne	AR	11
First Financial Bank	510 Highway 35 S	Carthage	MS	11
First Financial Bank	204 N Van Buren St	Carthage	MS	24
First Financial Bank	1667 Simpson Highway 49	Magee	MS	24
First Financial Bank	700 N Robinson St	Senatobia	MS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.