| Metric | First Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +14.2% | +5.6% | +8.6 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 35.4% | 11.9% | +23.5 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $248.1M | $237.4M | $131.9M | $8.1M | $1.3M | 1.06% | 3.93% | 0.84% |
| Q1 2026 | $245.6M | $238.3M | $130.1M | $6.8M | $668K | 1.09% | 3.94% | 0.77% |
| Q4 2025 | $245.0M | $237.2M | $127.5M | $7.3M | $2.6M | 1.10% | 3.83% | 0.89% |
| Q3 2025 | $242.0M | $234.5M | $122.8M | $6.8M | $2.0M | 1.09% | 3.79% | 0.89% |
| Q2 2025 | $242.1M | $237.4M | $115.5M | $4.1M | $1.3M | 1.10% | 3.78% | 0.87% |
| Q1 2025 | $241.5M | $236.7M | $114.5M | $4.2M | $654K | 1.12% | 3.73% | 0.09% |
| Q4 2024 | $227.6M | $224.3M | $113.8M | $2.7M | $2.6M | 1.16% | 3.78% | 0.10% |
| Q3 2024 | $231.3M | $217.1M | $111.6M | $7.5M | $2.0M | 1.16% | 3.79% | 0.11% |
Loan mix (Q2 2026): real estate $120.8M · commercial $9.8M · consumer $2.6M · securities $70.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 35.4% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 62.9% | 81th |
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% |
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