BlastPoint's Banking Scorecard
First Financial Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 3066
Designations: ✓ Community bank
Abilene, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
First Financial Bank shows strong momentum with 2 strengths and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.60% below tier
- + Tier 1 Capital Ratio 4.62% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.4B
+10.5% YoY
+4.1% QoQ
|
+$4.9B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$8.1B
+3.3% YoY
-1.0% QoQ
|
+$951.3M |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$13.5B
+10.5% YoY
+3.9% QoQ
|
+$5.0B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.64%
+5.4% YoY
+3.9% QoQ
|
+0.47% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.69%
+7.3% YoY
+0.1% QoQ
|
+0.29% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
45.67%
-2.6% YoY
+2.6% QoQ
|
-10.94% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.69%
-12.9% YoY
+0.0% QoQ
|
+0.01% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
59.88%
-6.5% YoY
-4.7% QoQ
|
-25.60% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.18%
-6.8% YoY
-4.7% QoQ
|
+5.54% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.37%
-19.1% YoY
-7.4% QoQ
|
-0.13% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
18.17%
+4.7% YoY
+4.3% QoQ
|
+4.62% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.57%
+2.9% YoY
+42.1% QoQ
|
-0.39% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Mid-Market
Why this stands out
Current:
59.88%
(Tier avg: 85.47%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
18.17%
(Tier avg: 13.55%, National avg: 9.75%)
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
Loan-to-Deposit Ratio
Current: 59.88% · Tier avg: 85.47%
93
93th pctile
Tier 1 Capital Ratio
Current: 18.17% · Tier avg: 13.55%
85
85th pctile
Efficiency Ratio
Current: 45.67% · Tier avg: 56.60%
84
84th pctile
Total Deposits
Current: $13.5B · Tier avg: $8.5B
82
82th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
81
81th pctile
Total Assets
Current: $15.4B · Tier avg: $10.5B
73
73th pctile
Total Loans
Current: $8.1B · Tier avg: $7.1B
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.18% · Tier avg: 20.64%
62
62th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.40%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.68%
35
35th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
Top Weaknesses
35
35th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
43
43th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.68%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
62
62th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.40%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.18% · Tier avg: 20.64%
73
73th pctile
Total Loans
Current: $8.1B · Tier avg: $7.1B
81
81th pctile
Total Assets
Current: $15.4B · Tier avg: $10.5B
82
82th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
84
84th pctile
Total Deposits
Current: $13.5B · Tier avg: $8.5B
85
85th pctile
Efficiency Ratio
Current: 45.67% · Tier avg: 56.60%
93
93th pctile
Tier 1 Capital Ratio
Current: 18.17% · Tier avg: 13.55%
95
95th pctile
Loan-to-Deposit Ratio
Current: 59.88% · Tier avg: 85.47%