BlastPoint's Banking Scorecard
First Financial Bank
Designations: ✓ Community bank
El Dorado, AR
19 branches across AR · MS
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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
- Deposits +9.4% year over year ($1.7B on the books).
- Delinquency rate 3.68%.
- Return on assets 2.18%.
- Efficiency ratio 54.86% vs a 59.73% peer average.
- Loan-to-deposit ratio 102.09% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Financial Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18.9% in tier
- + Return on Assets 0.79% above tier average
- + Net Interest Margin 0.52% above tier average
- + Efficiency Ratio 4.87% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.81% above tier average
- - Nonperforming Asset Ratio 2.55% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+12.1% YoY
+4.4% QoQ
|
-$756.3M |
$2.8B
-0.6% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$1.7B
+13.8% YoY
+4.8% QoQ
|
-$249.8M |
$2.0B
-0.3% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$1.7B
+9.4% YoY
+3.7% QoQ
|
-$640.5M |
$2.3B
-0.5% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
2.18%
-5.1% YoY
+6.5% QoQ
|
+0.79% |
1.39%
+17.0% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
Top 7.1% in tier |
| Net Interest Margin ? |
4.39%
+1.0% YoY
+4.1% QoQ
|
+0.52% |
3.87%
+6.2% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
54.86%
-3.5% YoY
-3.9% QoQ
|
-4.87% |
59.73%
-12.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
3.68%
+91.2% YoY
+6.7% QoQ
|
+2.81% |
0.87%
+11.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.7% in tier |
| Loan-to-Deposit Ratio ? |
102.09%
+4.0% YoY
+1.0% QoQ
|
+17.05% |
85.04%
-0.1% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.38%
-6.9% YoY
-5.4% QoQ
|
-7.89% |
21.27%
-1.5% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
3.22%
+73.5% YoY
+6.6% QoQ
|
+2.55% |
0.67%
+11.7% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.3% in tier |
| Tier 1 Capital Ratio ? |
11.15%
-3.2% YoY
-0.5% QoQ
|
-3.69% |
14.84%
-0.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.77%
-17.0% YoY
+87.1% QoQ
|
+0.24% |
0.53%
+2.5% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
Top 9.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.4%
-1.0pp YoY -0.8pp QoQ |
-8.0pp | 21.4% | 19.6% | 22.2% | 20% |
| Brokered Deposits |
6.9%
-0.5pp YoY +0.8pp QoQ |
-2.5pp | 9.5% | 7.2% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.5%
+0.6pp YoY +0.5pp QoQ |
-4.5pp | 14.0% | 12.7% | 12.5% | 42% |
| CRE |
25.6%
+0.1pp YoY -0.5pp QoQ |
-24.4pp | 50.0% | 41.0% | 41.4% | 8% |
| 1-4 Family |
6.3%
+0.2pp YoY 0.0pp QoQ |
-20.1pp | 26.4% | 28.1% | 31.3% | 8% |
| Consumer |
1.5%
-0.2pp YoY 0.0pp QoQ |
-3.2pp | 4.7% | 4.5% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.2%
-0.4pp YoY -0.1pp QoQ |
-0.2pp | 11.3% | 11.9% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
334
-2 (-0.6%) YoY +5 (+1.5%) QoQ |
+20 | 313 | 315 | 482 | 70% |
| Assets per Employee ($) |
$6.1M
+12.8% YoY +2.9% QoQ |
-$4.4M | $10.5M | $6.7M | $8.8M | 13% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 25 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY |
-0.1pp | 0.2% | 0.1% | 0.4% | 71% |
| Nonaccrual |
3.6%
+1.7pp YoY +0.2pp QoQ |
+2.8pp | 0.8% | 1.1% | 1.0% | 98% |
| Allowance Coverage |
0.29x
-47.3% YoY -6.3% QoQ |
-18.42x | 18.71x | 4.69x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.9%
-0.8pp YoY +1.3pp QoQ |
+6.3pp | 12.6% | 12.3% | 11.6% | 88% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.9% | 2.0% | 1.7% | 83% |
| Net Income ($, YTD) |
$21.4M
+2.6% YoY — QoQ |
+$2.1M | $19.2M | $16.0M | $40.4M | 72% |
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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.