BlastPoint's Banking Scorecard
First Financial Bank
Designations: ✓ Community bank
Abilene, TX
83 branches across TX
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 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
- Deposits +5.8% year over year ($13.3B on the books).
- Delinquency rate 0.78%.
- Return on assets 1.77%.
- Efficiency ratio 44.83% vs a 53.67% peer average.
- Loan-to-deposit ratio 62.09% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Financial Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 20.52% below tier average
- + ROA 0.38% above tier average
- + Efficiency Ratio 8.84% below tier average
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.2B
+6.4% YoY
-0.5% QoQ
|
-$28.4B |
$43.6B
-13.8% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$8.3B
+3.2% YoY
+0.7% QoQ
|
-$19.7B |
$28.0B
-8.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.4% in tier |
| Total Deposits ? |
$13.3B
+5.8% YoY
-0.8% QoQ
|
-$22.1B |
$35.4B
-14.0% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.77%
+3.8% YoY
-0.0% QoQ
|
+0.38% |
1.39%
+25.9% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
3.79%
+3.3% YoY
+1.1% QoQ
|
-0.13% |
3.92%
+8.9% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
44.83%
-0.0% YoY
+0.9% QoQ
|
-8.84% |
53.67%
-1.9% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.78%
-1.5% YoY
+21.9% QoQ
|
-0.24% |
1.01%
-2.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
62.09%
-2.5% YoY
+1.5% QoQ
|
-20.52% |
82.61%
+3.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 9.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.36%
-2.9% YoY
+4.0% QoQ
|
+6.78% |
20.58%
+4.9% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.44%
-0.9% YoY
+24.4% QoQ
|
-0.29% |
0.73%
+5.8% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
18.36%
+3.3% YoY
+0.5% QoQ
|
+3.01% |
15.35%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 9.4% in tier |
| Non-Interest Income / Assets ? |
0.26%
-0.4% YoY
+108.7% QoQ
|
-0.23% |
0.50%
+10.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
37% |
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.4%
-0.8pp YoY +1.0pp QoQ |
+6.3pp | 21.0% | 29.2% | 22.2% | 71% |
| Brokered Deposits | n/a | n/a | 9.2% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.7%
-2.2pp YoY -0.6pp QoQ |
-4.4pp | 17.2% | 14.8% | 12.5% | 37% |
| CRE |
38.4%
+0.3pp YoY +0.2pp QoQ |
-3.7pp | 42.0% | 48.4% | 41.4% | 38% |
| 1-4 Family |
28.4%
-0.6pp YoY -0.2pp QoQ |
+5.3pp | 23.1% | 25.8% | 31.3% | 73% |
| Consumer |
11.2%
+0.6pp YoY +0.3pp QoQ |
-1.7pp | 12.9% | 4.7% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.4%
+0.6pp YoY +0.1pp QoQ |
+3.1pp | 15.3% | 22.7% | 19.7% | 91% |
| Leverage Ratio |
11.6%
-0.1pp YoY +0.2pp QoQ |
+1.2pp | 10.4% | 12.6% | 12.6% | 86% |
| Total Capital Ratio |
19.6%
+0.6pp YoY +0.1pp QoQ |
+3.1pp | 16.5% | 23.8% | 20.8% | 91% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,529
+77 (+5.3%) YoY +15 (+1.0%) QoQ |
-1,729 | 3,258 | 186 | 482 | 36% |
| Assets per Employee ($) |
$10.0M
+1.0% YoY -1.5% QoQ |
-$17.1M | $27.0M | $10.1M | $8.8M | 33% |
| Branch Count |
83
0 YoY 0 QoQ |
-55 | 137 | 12 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.3% | 0.4% | 30% |
| Nonaccrual |
0.8%
0.0pp YoY +0.1pp QoQ |
0.0pp | 0.7% | 1.0% | 1.0% | 60% |
| Allowance Coverage |
1.75x
+7.6% YoY -15.1% QoQ |
-1.06x | 2.81x | 18.82x | 20.23x | 52% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
-0.3pp YoY -0.2pp QoQ |
+2.7pp | 12.6% | 13.2% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 2.0% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$135.2M
+12.2% YoY — QoQ |
-$161.6M | $296.8M | $15.9M | $40.4M | 42% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.