What is First Financial Bank's financial health grade?

First Financial Bank has a TFS Financial Health Grade of C+ (score: 77.2/100). 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 83 branch locations across the United States.

Is First Financial Bank FDIC insured?

Yes, First Financial Bank is FDIC insured (Certificate #3066).

What are the total assets of First Financial Bank?

First Financial Bank has total assets of $15.4B as reported in its most recent FDIC filing.

First Financial Bank

BankAbilene, Texas

www.ffin.com/

Total Assets

$15.4B

Total Deposits

$13.5B

Branches

Established

1889

TFS Health Grade

C+

77.2 / 100

Average financial health

How we grade

First Financial Bank is a bank headquartered in Abilene, Texas, established in 1889. With $15.4B in total assets and 83 branch locations, it has a TFS Financial Health Grade of C+ (77.2/100).

Capital & Safety

Tier 1 Capital Ratio

11.43%(8%)

Total Capital Ratio

19.36%(10%)

Non-Performing Loan Ratio

0.68%

Profitability

Return on Assets (ROA)

1.64%(1%)

Return on Equity (ROE)

14.90%(10%)

Net Interest Margin

3.69%

Efficiency Ratio

45.67%(60%)

Lending & Liquidity

Total Loans

$8.2B

Loan-to-Deposit Ratio

59.88%

Net Charge-Off Ratio

0.29%

Growth

Asset Growth (YoY)

+10.46%

Deposit Growth (YoY)

+10.46%

Net Income

$238.0M

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	400 Pine St	Abilene	TX	11
First Financial Bank	701 North Pine	Abilene	TX	23
First Financial Bank	5257 Buffalo Gap Rd	Abilene	TX	11
First Financial Bank	4316 Buffalo Gap Rd	Abilene	TX	11
First Financial Bank	1801 Antilley Rd	Abilene	TX	11
First Financial Bank	920 N Willis St	Abilene	TX	12
First Financial Bank	4350 Southwest Dr	Abilene	TX	12
First Financial Bank	3300 S 14th St	Abilene	TX	11
First Financial Bank	1650 State Highway 351	Abilene	TX	12
First Financial Bank	4320 Buffalo Gap Rd	Abilene	TX	11
First Financial Bank	1345 Barrow St	Abilene	TX	12
First Financial Bank	1010 N Judge Ely Blvd	Abilene	TX	11
First Financial Bank	132 Hill St	Albany	TX	11
First Financial Bank	505 N Fm 1187	Aledo	TX	11
First Financial Bank	200 E Highway 67	Alvarado	TX	11
First Financial Bank	3515 Dowlen Rd	Beaumont	TX	11
First Financial Bank	609 E Rock Island Ave	Boyd	TX	11
First Financial Bank	909 Stevens St	Bridgeport	TX	11
First Financial Bank	2900 S Texas Ave	Bryan	TX	11
First Financial Bank	1622 N Earl Rudder Fwy	Bryan	TX	11
First Financial Bank	1900 Sw Wilshire Blvd	Burleson	TX	11
First Financial Bank	2006 Conrad Hilton Blvd	Cisco	TX	11
First Financial Bank	403 North Main & Herd Street	Cleburne	TX	23
First Financial Bank	403 N Main St	Cleburne	TX	11
First Financial Bank	200 N Ridgeway Dr	Cleburne	TX	11
First Financial Bank	718 Elm Street	Clyde	TX	11
First Financial Bank	2305 Texas Ave S	College Station	TX	11
First Financial Bank	4450 State Highway 6 S	College Station	TX	11
First Financial Bank	2445 Harvey Mitchell Pkwy S	College Station	TX	11
First Financial Bank	11399 Highway 105 E	Conroe	TX	11
First Financial Bank	1800 W White Oak Ter	Conroe	TX	11
First Financial Bank	2201 Westview Blvd	Conroe	TX	11
First Financial Bank	608 W Hale Ave	Decatur	TX	11
First Financial Bank	201 E Main St	Eastland	TX	11
First Financial Bank	401 N Mechanic St	El Campo	TX	11
First Financial Bank	1000 Forest Park Blvd	Fort Worth	TX	11
First Financial Bank	100 West Dechard Street	Franklin	TX	11
First Financial Bank	29818 Fm 1093 Rd	Fulshear	TX	11
First Financial Bank	400 Big Bend Trail	Glen Rose	TX	11
First Financial Bank	1600 S Morgan St	Granbury	TX	11
First Financial Bank	2915 Fall Creek Hwy	Granbury	TX	11
First Financial Bank	2007 E Us Highway 377	Granbury	TX	11
First Financial Bank	1015 W Northwest Hwy	Grapevine	TX	11
First Financial Bank	Third And Sampson Streets	Hereford	TX	11
First Financial Bank	2506 Pine Shadows Dr	Huntsville	TX	11
First Financial Bank	891 Keller Pkwy	Keller	TX	11
First Financial Bank	24080 Highway 59 N	Kingwood	TX	11
First Financial Bank	119 N Lhs Dr	Lumberton	TX	11
First Financial Bank	5424 Fm 1488 Rd	Magnolia	TX	11
First Financial Bank	Highway 12 And Johnson Road	Mauriceville	TX	11

Showing 50 of 83 branches

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.

Other banks in Texas

ABILENE TEACHERS

Abilene, TX

$665.5M

COMMUNITIES OF ABILENE

Abilene, TX

$160.0M

FIRST WATCH

Abilene, TX

$100.5M

Avana Bank

Bank

Abilene, TX

$40.6M

FIRST PRIORITY

Abilene, TX

$21.6M

TXDOT

Abilene, TX

$17.0M

First Financial Bank

Capital & Safety

Profitability

Lending & Liquidity

Growth

Institution Details

Other banks in Texas

ABILENE TEACHERS

COMMUNITIES OF ABILENE

FIRST WATCH

Avana Bank

FIRST PRIORITY

TXDOT