BlastPoint's Banking Scorecard
First Financial Bank
Bessemer, AL
8 branches across AL
First Financial Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 23.6% in tier
- + Non-Interest-Bearing Deposit Share 14.94% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency Ratio 11.30% above tier average
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.6M
+1.7% YoY
+0.3% QoQ
|
-$140.5M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$130.1M
+13.6% YoY
+2.0% QoQ
|
-$125.6M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$238.3M
+0.7% YoY
+0.5% QoQ
|
-$89.7M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.09%
-2.3% YoY
-1.3% QoQ
|
-0.18% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.94%
+5.8% YoY
+2.9% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
76.58%
+1.1% YoY
+2.3% QoQ
|
+11.30% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
1.40%
+641.8% YoY
-17.9% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
54.59%
+12.8% YoY
+1.5% QoQ
|
-22.05% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.96%
+0.2% YoY
+5.4% QoQ
|
+14.94% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Top 7.7% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+759.0% YoY
-13.4% QoQ
|
+0.13% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
15.24%
-1.0% YoY
-0.4% QoQ
|
-0.59% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.37%
-0.2% YoY
-74.6% QoQ
|
+0.09% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
Top 4.9% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.