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First Financial Bank

IDRSSD: 48374
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 48374 held $2.0B in total assets as of 2026-03-31 (+2.7% quarter-over-quarter). Total loans stood at $1.6B (+2.7% QoQ) and total deposits at $1.6B (+1.1% QoQ).

Overall position is weak — the composite Health Score is 33/100 (Weak). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the bottom decile of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
33/100
Weak
Active Alerts
3
1 critical, 2 warning
Total Assets
$2.0B
+2.7% QoQ
Total Loans
$1.6B
+2.7% QoQ
Total Deposits
$1.6B
+1.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
13th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
13th pctile · n=500↑ better

Liquidity

Cash / Assets
4.42%
39th pctile · n=500↑ better
+65 bp QoQ
Loans / Deposits
101.04%
88th pctile · n=496↓ better
+157 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.41%
96th pctile · n=500↓ better
+77 bp QoQ
NPA / Assets
3.02%
97th pctile · n=500↓ better
+61 bp QoQ
Texas Ratio (regulatory)
25.78%
97th pctile · n=500↓ better
+553 bp QoQ
Net Charge-Offs / Avg Loans
0.12%
79th pctile · n=500↓ better
-6 bp QoQ
ALLL Coverage of NPL
31.11%
6th pctile · n=500↑ better
-796 bp QoQ

Earnings

Net Interest Margin
4.21%
78th pctile · n=500↑ better
-47 bp QoQ
Return on Assets
2.05%
90th pctile · n=500↑ better
-10 bp QoQ
Return on Equity
17.57%
83th pctile · n=500↑ better
-86 bp QoQ
Efficiency Ratio
57.07%
39th pctile · n=500↓ better
-8 bp QoQ
Pre-tax NOI / Avg Assets
2.05%
81th pctile · n=500↑ better
-10 bp QoQ

Funding

Brokered / Deposits
6.18%
69th pctile · n=496↓ better
-89 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
4.75%
71th pctile · n=500↓ better
+183 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
5.08%
14th pctile · n=500↑ better
-26 bp QoQ
AFS Securities / Assets
5.06%
20th pctile · n=500↑ better
-26 bp QoQ
HTM Securities / Assets
0.00%
28th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 06:46:04 UTC