BlastPoint's Banking Scorecard
First Financial Bank, National Association
Terre Haute, IN
83 branches across IL · IN · TN · KY · GA
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 16 in IN.
- Deposits +3.5% year over year ($4.9B on the books).
- Delinquency rate 0.61%.
- Return on assets 1.45%.
- Efficiency ratio 56.84% vs a 59.73% peer average.
- Loan-to-deposit ratio 91.06% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Financial Bank, National Association shows strong momentum with 4 strengths and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 2.89% below tier average
- + Delinquency Rate 0.25% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.2B
+10.3% YoY
+0.8% QoQ
|
+$3.4B |
$2.8B
-0.6% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
Top 9.3% in tier |
| Total Loans ? |
$4.4B
+14.7% YoY
+1.0% QoQ
|
+$2.5B |
$2.0B
-0.3% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
Top 9.7% in tier |
| Total Deposits ? |
$4.9B
+3.5% YoY
-0.2% QoQ
|
+$2.5B |
$2.3B
-0.5% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
Top 11.0% in tier |
| Return on Assets ? |
1.45%
+5.2% YoY
+5.9% QoQ
|
+0.06% |
1.39%
+17.0% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
4.27%
+3.4% YoY
+2.5% QoQ
|
+0.40% |
3.87%
+6.2% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
56.84%
+0.9% YoY
-1.1% QoQ
|
-2.89% |
59.73%
-12.6% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.61%
+140.8% YoY
-5.9% QoQ
|
-0.25% |
0.87%
+11.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
91.06%
+10.8% YoY
+1.3% QoQ
|
+6.02% |
85.04%
-0.1% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
20.09%
+8.4% YoY
-9.1% QoQ
|
-1.18% |
21.27%
-1.5% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.50%
+113.0% YoY
-2.5% QoQ
|
-0.18% |
0.67%
+11.7% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
12.62%
-1.4% YoY
+2.5% QoQ
|
-2.22% |
14.84%
-0.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.38%
-4.8% YoY
+94.3% QoQ
|
-0.14% |
0.53%
+2.5% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
69% |
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.1%
+1.5pp YoY -2.0pp QoQ |
-1.3pp | 21.4% | 16.8% | 22.2% | 51% |
| Brokered Deposits |
1.0%
+0.3pp QoQ |
-8.5pp | 9.5% | 7.2% | 8.5% | 18% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.5%
-0.4pp YoY -0.3pp QoQ |
+0.5pp | 14.0% | 11.1% | 12.5% | 65% |
| CRE |
44.2%
+1.8pp YoY +0.3pp QoQ |
-5.9pp | 50.0% | 36.2% | 41.4% | 34% |
| 1-4 Family |
17.7%
+1.6pp YoY -0.1pp QoQ |
-8.7pp | 26.4% | 40.0% | 31.3% | 38% |
| Consumer |
16.6%
-1.4pp YoY +0.2pp QoQ |
+11.9pp | 4.7% | 3.2% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
-0.2pp YoY +0.3pp QoQ |
-3.0pp | 15.6% | 17.5% | 19.7% | 35% |
| Leverage Ratio |
10.4%
0.0pp YoY +0.2pp QoQ |
-1.0pp | 11.3% | 13.0% | 12.6% | 46% |
| Total Capital Ratio |
13.6%
-0.2pp YoY +0.3pp QoQ |
-3.1pp | 16.7% | 18.7% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
943
+6 (+0.6%) YoY +4 (+0.4%) QoQ |
+629 | 313 | 237 | 482 | 97% |
| Assets per Employee ($) |
$6.5M
+9.6% YoY +0.4% QoQ |
-$3.9M | $10.5M | $7.5M | $8.8M | 18% |
| Branch Count |
83
-1 (-1.2%) YoY 0 QoQ |
+63 | 20 | 17 | 18 | 99% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 69% |
| Nonaccrual |
0.6%
+0.3pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 0.8% | 1.0% | 57% |
| Allowance Coverage |
1.88x
-60.8% YoY +2.3% QoQ |
-16.83x | 18.71x | 6.71x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
0.0pp YoY +0.8pp QoQ |
+0.9pp | 12.6% | 11.2% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.8% | 1.7% | 29% |
| Net Income ($, YTD) |
$43.5M
+13.8% YoY — QoQ |
+$24.3M | $19.2M | $16.3M | $40.4M | 90% |
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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.