BlastPoint's Banking Scorecard

First Financial Bank

$10B-$250B Specialty: Commercial TX FDIC cert 3066

Designations: ✓ Community bank

Abilene, TX

83 branches across TX

137 banks in the $10B-$250B peer group nationally 11 in TX

First Financial Bank shows strong momentum with 4 strengths and 7.4% YoY asset growth

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

+ Loan-to-Deposit Ratio 19.63% below tier average
+ ROA 0.49% above tier average
+ Efficiency Ratio 9.59% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$15.3B +7.4% YoY -0.4% QoQ	-$31.6B	$47.0B -1.9% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$8.2B +4.3% YoY +1.5% QoQ	-$21.2B	$29.4B -0.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 13.1% in tier
Total Deposits ?	$13.4B +6.6% YoY -0.7% QoQ	-$25.0B	$38.4B -1.6% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	1.77% +7.8% YoY +7.9% QoQ	+0.49%	1.28% +18.7% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 13.1% in tier
Net Interest Margin ?	3.75% +3.7% YoY +1.6% QoQ	-0.03%	3.77% +5.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	44.42% -2.4% YoY -2.7% QoQ	-9.59%	54.01% -3.7% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.64% -18.5% YoY -7.9% QoQ	-0.38%	1.02% -3.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	61.16% -2.1% YoY +2.1% QoQ	-19.63%	80.79% +1.9% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 9.5% in tier
Non-Interest-Bearing Deposit Share ?	26.31% -4.0% YoY +0.5% QoQ	+6.27%	20.04% +0.2% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.35% -18.2% YoY -3.3% QoQ	-0.37%	0.72% +4.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	18.26% +2.6% YoY +0.5% QoQ	+2.75%	15.51% -0.4% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 10.9% in tier
Non-Interest Income / Assets ?	0.13% +1.3% YoY -77.8% QoQ	-0.10%	0.22% +0.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	38%

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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 (0)

No matched strength signatures this quarter

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 137 peers in $10B-$250B

Top Strengths (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 61.16%

Peer Median: 80.79%

#14 of 137 Top 9.5% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 18.26%

Peer Median: 15.51%

#16 of 137 Top 10.9% in $10B-$250B

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.28%

#19 of 137 Top 13.1% in $10B-$250B

Efficiency Ratio

profitability

Value: 44.42%

Peer Median: 54.01%

#26 of 137 Top 18.2% in $10B-$250B

Top Weaknesses (2 metrics)

120

Total Loans

size

Value: $8.20B

Peer Median: $29.36B

#120 of 137 Bottom 13.1% in $10B-$250B

106

Total Assets

size

Value: $15.32B

Peer Median: $46.96B

#106 of 137 Bottom 23.4% in $10B-$250B