BlastPoint's Banking Scorecard

First Financial Bank

$100M-$1B Specialty: Commercial AL FDIC cert 19440

Bessemer, AL

8 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
Deposits +0.0% year over year ($237.4M on the books).
Delinquency rate 1.53%.
Return on assets 1.06%.
Efficiency ratio 77.28% vs a 64.48% peer average.
Loan-to-deposit ratio 55.56% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (AL) →

First Financial Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 24.8% in tier
+ Non-Interest-Bearing Deposit Share 14.33% above tier average

Key Concerns

Areas that may need attention

- ROA 0.26% below tier average
- Net Interest Margin 0.06% below tier average
- Efficiency Ratio 12.80% above tier average
- Delinquency Rate 0.62% above tier average

Get updates when First Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$248.1M +2.5% YoY +1.0% QoQ	-$138.5M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$131.9M +14.2% YoY +1.4% QoQ	-$126.5M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$237.4M +0.0% YoY -0.4% QoQ	-$89.4M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.06% -3.1% YoY -2.5% QoQ	-0.26%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	3.93% +3.8% YoY -0.4% QoQ	-0.06%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	77.28% +2.0% YoY +0.9% QoQ	+12.80%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	1.53% -15.9% YoY +9.6% QoQ	+0.62%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	55.56% +14.2% YoY +1.8% QoQ	-22.39%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	Top 13.0% in tier
Non-Interest-Bearing Deposit Share ?	36.36% -0.0% YoY -1.6% QoQ	+14.33%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	Top 8.1% in tier
Nonperforming Asset Ratio ?	0.84% -3.3% YoY +9.7% QoQ	+0.17%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	25%
Tier 1 Capital Ratio ?	15.12% -4.2% YoY -0.8% QoQ	-0.79%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.76% +4.4% YoY +105.5% QoQ	+0.20%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	Top 5.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Noninterest-Bearing	36.4% 0.0pp YoY -0.6pp QoQ	+14.2pp	22.1%	24.0%	22.2%	92%
Brokered Deposits	n/a	n/a	7.9%	5.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	7.5% +0.3pp YoY -0.6pp QoQ	-4.1pp	11.6%	16.9%	12.5%	36%
CRE	52.3% +2.4pp YoY +0.3pp QoQ	+12.7pp	39.5%	43.5%	41.4%	74%
1-4 Family	39.4% -2.8pp YoY +0.3pp QoQ	+6.7pp	32.6%	30.6%	31.3%	69%
Consumer	2.0% -0.1pp YoY 0.0pp QoQ	-2.1pp	4.1%	5.7%	5.0%	47%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	15.1% -0.7pp YoY -0.1pp QoQ	-3.7pp	18.8%	15.1%	19.7%	50%
Leverage Ratio	10.7% +0.3pp YoY +0.4pp QoQ	-1.5pp	12.2%	13.2%	12.6%	45%
Total Capital Ratio	15.9% -0.8pp YoY -0.1pp QoQ	-4.0pp	19.9%	16.2%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	75 +4 (+5.6%) YoY +3 (+4.2%) QoQ	+16	58	304	482	74%
Assets per Employee ($)	$3.3M -3.0% YoY -3.0% QoQ	-$4.2M	$7.5M	$6.9M	$8.8M	2%
Branch Count	8 0 YoY 0 QoQ	+3	4	20	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.5% +1.3pp YoY	+0.6pp	0.9%	1.2%	1.0%	82%
Allowance Coverage	0.67x +4.1% YoY -10.1% QoQ	-23.48x	24.15x	7.50x	20.23x	16%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	35.4% -35.0pp YoY -2.7pp QoQ	+23.2pp	12.2%	10.0%	11.6%	99%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.7%	1.7%	13%
Net Income ($, YTD)	$1.3M +0.6% YoY — QoQ	-$1.2M	$2.6M	$17.2M	$40.4M	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#165 of 661 • Top 24.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.76%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.06%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

139

Non-Interest Income / Assets

revenue_mix

Value: 0.76%

Peer Median: 0.57%

#139 of 2643 Top 5.2% in $100M-$1B

216

Non-Interest-Bearing Deposit Share

funding

Value: 36.36%

Peer Median: 22.03%

#216 of 2643 Top 8.1% in $100M-$1B

344

Loan-to-Deposit Ratio

liquidity

Value: 55.56%

Peer Median: 77.95%

#344 of 2643 Top 13.0% in $100M-$1B

Top Weaknesses (3 metrics)

2190

Efficiency Ratio

profitability

Value: 77.28%

Peer Median: 64.48%

#2190 of 2643 Bottom 17.2% in $100M-$1B

2160

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2160 of 2633 Bottom 18.0% in $100M-$1B

1989

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.67%

#1989 of 2643 Bottom 24.8% in $100M-$1B