BlastPoint's Banking Scorecard
First Financial Bank
Community
Specialty: Agricultural
AR
FDIC cert 28905
El Dorado, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
First Financial Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8% in Community
- + Profitability Leader: Top 15% in Community
- + Deposit Franchise: Top 58% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43% in Community
- - Delinquency Rate 2.04% above tier
- - Nonperforming Asset Ratio 1.91% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+4.2% YoY
-0.5% QoQ
|
+$507.6M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.6B
+9.4% YoY
+0.9% QoQ
|
+$616.8M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.6B
+6.1% YoY
+0.3% QoQ
|
+$436.3M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
2.18%
+20.9% YoY
-0.1% QoQ
|
+1.02% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.45%
+13.8% YoY
+2.2% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
57.79%
-5.2% YoY
-0.4% QoQ
|
-4.84% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
2.67%
+15.5% YoY
+30.4% QoQ
|
+2.04% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
99.46%
+3.1% YoY
+0.6% QoQ
|
+16.40% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.87%
+99.1% YoY
+123.1% QoQ
|
+12.82% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
2.41%
+24.6% YoY
+29.2% QoQ
|
+1.91% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.72%
+6.0% YoY
+32.1% QoQ
|
+0.98% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#32 of 371 · Top 8% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.72%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.18%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#55 of 371 · Top 15% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.18%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#87 of 150 · Top 58% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.87%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.45%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (3)
Capital Thin
risk
#187 of 432 · Bottom 43% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.67%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.41%
(Tier avg: 0.50%, National avg: 0.48%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.87% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
65
65th pctile
Efficiency Ratio
Current: 57.79% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.46% · Tier avg: 83.06%
6
6th pctile
Delinquency Rate
Current: 2.67% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.41% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.41% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.67% · Tier avg: 0.63%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.46% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
65
65th pctile
Efficiency Ratio
Current: 57.79% · Tier avg: 62.63%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.87% · Tier avg: 21.05%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%