BlastPoint's Banking Scorecard
First Financial Bank
Designations: ✓ Community bank
El Dorado, AR
19 branches across AR · MS
First Financial Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 16.3% in tier
- + Return on Assets 0.68% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 3.99% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.56% above tier average
- - Nonperforming Asset Ratio 2.35% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+7.9% YoY
+2.8% QoQ
|
-$865.5M |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$1.6B
+9.5% YoY
+2.7% QoQ
|
-$329.4M |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$1.6B
+5.7% YoY
+1.1% QoQ
|
-$724.6M |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
2.05%
+4.0% YoY
-0.6% QoQ
|
+0.68% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Top 8.7% in tier |
| Net Interest Margin ? |
4.21%
+2.9% YoY
-4.2% QoQ
|
+0.40% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
57.07%
-4.3% YoY
-3.2% QoQ
|
-3.99% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
3.45%
+29.3% YoY
+29.3% QoQ
|
+2.56% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
101.04%
+3.6% YoY
+1.6% QoQ
|
+16.83% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.15%
-6.3% YoY
-7.9% QoQ
|
-7.14% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
3.02%
+30.2% YoY
+25.3% QoQ
|
+2.35% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.6% in tier |
| Tier 1 Capital Ratio ? |
11.20%
+0.1% YoY
+1.5% QoQ
|
-3.96% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.41%
-4.9% YoY
-75.1% QoQ
|
+0.15% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 8.3% 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.