| Metric | First Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.9% | +0.5 pts |
| Deposit growth (YoY) | +5.8% | +5.7% | +0.1 pts |
| Loan growth (YoY) | +3.2% | +6.9% | -3.8 pts |
| ROA | 1.77% | 1.23% | +0.5 pts |
| ROE | 15.3% | 11.2% | +4.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.23B | $13.30B | $8.26B | $1.79B | $135.2M | 1.77% | 3.79% | 0.44% |
| Q1 2026 | $15.32B | $13.41B | $8.20B | $1.75B | $67.8M | 1.77% | 3.75% | 0.35% |
| Q4 2025 | $15.38B | $13.50B | $8.08B | $1.74B | $238.0M | 1.64% | 3.69% | 0.37% |
| Q3 2025 | $14.78B | $12.99B | $8.16B | $1.62B | $169.4M | 1.58% | 3.69% | 0.40% |
| Q2 2025 | $14.32B | $12.57B | $8.01B | $1.60B | $120.6M | 1.70% | 3.67% | 0.44% |
| Q1 2025 | $14.26B | $12.58B | $7.86B | $1.55B | $57.7M | 1.64% | 3.61% | 0.43% |
| Q4 2024 | $13.93B | $12.22B | $7.82B | $1.47B | $207.2M | 1.55% | 3.44% | 0.45% |
| Q3 2024 | $13.53B | $11.89B | $7.64B | $1.51B | $148.8M | 1.50% | 3.38% | 0.48% |
Loan mix (Q2 2026): real estate $5.86B · commercial $1.05B · consumer $924.8M · securities $5.63B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.23% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.3% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.8% | 54.9% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.