BlastPoint's Banking Scorecard
First Financial Bank
Micro
Specialty: Commercial
AL
FDIC cert 19440
Designations: ✓ Community bank
Bessemer, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First Financial Bank shows strong momentum with 1 strength and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.90% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.0M
+7.6% YoY
+1.2% QoQ
|
+$27.5M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$127.5M
+12.0% YoY
+3.9% QoQ
|
-$11.7M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$237.2M
+5.7% YoY
+1.1% QoQ
|
+$53.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.10%
-4.9% YoY
+1.1% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.83%
+1.3% YoY
+1.1% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
74.87%
+1.1% YoY
-1.4% QoQ
|
+7.14% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.70%
+747.5% YoY
-2.9% QoQ
|
+1.06% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
53.77%
+5.9% YoY
+2.7% QoQ
|
-20.75% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
35.07%
-4.5% YoY
-3.3% QoQ
|
+12.68% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.89%
+782.1% YoY
-0.3% QoQ
|
+0.44% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
15.29%
+0.3% YoY
-2.0% QoQ
|
+6.44% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.46%
-9.7% YoY
+31.8% QoQ
|
+0.90% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.46%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.46% · Tier avg: 0.56%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.07% · Tier avg: 22.39%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.77% · Tier avg: 74.53%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.29% · Tier avg: 8.85%
68
68th pctile
Total Deposits
Current: $237.2M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $245.0M · Tier avg: $217.5M
53
53th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
53
53th pctile
Total Loans
Current: $127.5M · Tier avg: $139.2M
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
28
28th pctile
Efficiency Ratio
Current: 74.87% · Tier avg: 67.73%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.70% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.70% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
28
28th pctile
Efficiency Ratio
Current: 74.87% · Tier avg: 67.73%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
53
53th pctile
Total Loans
Current: $127.5M · Tier avg: $139.2M
53
53th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
61
61th pctile
Total Assets
Current: $245.0M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.2M · Tier avg: $183.7M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.29% · Tier avg: 8.85%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.77% · Tier avg: 74.53%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.07% · Tier avg: 22.39%
95
95th pctile
Non-Interest Income / Assets
Current: 1.46% · Tier avg: 0.56%