| Metric | First Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +5.5% | +6.6 pts |
| Deposit growth (YoY) | +9.4% | +5.1% | +4.3 pts |
| Loan growth (YoY) | +13.8% | +5.9% | +7.9 pts |
| ROA | 2.18% | 1.26% | +0.9 pts |
| ROE | 18.9% | 12.2% | +6.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.04B | $1.68B | $1.71B | $231.3M | $21.4M | 2.18% | 4.39% | 3.22% |
| Q1 2026 | $1.95B | $1.62B | $1.64B | $224.6M | $9.8M | 2.05% | 4.21% | 3.02% |
| Q4 2025 | $1.90B | $1.60B | $1.59B | $221.6M | $38.1M | 2.06% | 4.40% | 2.41% |
| Q3 2025 | $1.91B | $1.60B | $1.58B | $221.3M | $30.1M | 2.18% | 4.36% | 1.86% |
| Q2 2025 | $1.82B | $1.53B | $1.51B | $217.8M | $20.9M | 2.30% | 4.34% | 1.86% |
| Q1 2025 | $1.81B | $1.53B | $1.49B | $210.1M | $8.9M | 1.97% | 4.10% | 2.32% |
| Q4 2024 | $1.82B | $1.51B | $1.46B | $205.4M | $31.3M | 1.80% | 3.91% | 1.93% |
| Q3 2024 | $1.77B | $1.45B | $1.42B | $206.3M | $21.3M | 1.66% | 3.78% | 2.25% |
Loan mix (Q2 2026): real estate $1.49B · commercial $162.5M · consumer $26.3M · securities $104.7M
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 59.0% | 37th |
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.