BlastPoint's Banking Scorecard
First Financial Bank, National Association
Mid-Market
Specialty: Commercial
IN
FDIC cert 4382
Terre Haute, IN
201
banks in Mid-Market tier nationally
10 in IN
View Mid-Market leaderboard (IN) →
First Financial Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10% in Mid-Market
- - Credit Risk Growth: Bottom 21% in Mid-Market
- - Capital Constraint: Bottom 38% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
+3.6% YoY
+1.6% QoQ
|
-$4.7B |
$10.5B
+2.9% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$4.0B
+5.7% YoY
+2.2% QoQ
|
-$3.1B |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$4.6B
-3.2% YoY
-1.4% QoQ
|
-$4.0B |
$8.5B
+3.0% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.46%
+48.3% YoY
+2.5% QoQ
|
+0.29% |
1.16%
+9.4% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.29%
+14.8% YoY
+2.9% QoQ
|
+0.89% |
3.40%
+7.9% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
56.71%
-10.0% YoY
+1.3% QoQ
|
+0.10% |
56.60%
-3.2% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.37%
+2.5% YoY
-25.1% QoQ
|
-0.32% |
0.68%
+12.0% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
87.66%
+9.2% YoY
+3.7% QoQ
|
+2.19% |
85.47%
+1.1% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
19.98%
+13.7% YoY
+13.1% QoQ
|
-0.65% |
20.64%
-0.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.31%
+0.3% YoY
-21.6% QoQ
|
-0.19% |
0.50%
+7.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.11%
+2.7% YoY
+0.5% QoQ
|
-0.44% |
13.55%
+1.8% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.87%
+5.3% YoY
+41.8% QoQ
|
-0.09% |
0.96%
+7.1% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#12 of 113 · Bottom 10% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.37%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#19 of 87 · Bottom 21% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#4 of 9 · Bottom 38% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
87.66%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.11%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
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
90
90th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.40%
72
72th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.68%
71
71th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.96%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
54
54th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 13.55%
51
51th pctile
Efficiency Ratio
Current: 56.71% · Tier avg: 56.60%
51
51th pctile
Loan-to-Deposit Ratio
Current: 87.66% · Tier avg: 85.47%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 20.64%
16
16th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
14
14th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
11
11th pctile
Total Deposits
Current: $4.6B · Tier avg: $8.5B
Top Weaknesses
11
11th pctile
Total Deposits
Current: $4.6B · Tier avg: $8.5B
14
14th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
16
16th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 20.64%
51
51th pctile
Loan-to-Deposit Ratio
Current: 87.66% · Tier avg: 85.47%
51
51th pctile
Efficiency Ratio
Current: 56.71% · Tier avg: 56.60%
54
54th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 13.55%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
71
71th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.96%
72
72th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.68%
90
90th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.40%