# FIRST FINANCIAL BANK
ANETA, ND · FDIC certificate 15776 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $40.3M | |
| Deposits | $36.2M | |
| Loans and leases | $21.9M | |
| Total equity | $4.0M | |
| Loans / deposits | 59.02% (p28 of band) | 73.48% |
| Liquid assets / assets | 43.80% (p71 of band) | |
| Uninsured deposits / deposits | 7.53% (p17 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.51% (p26 of band) | 10.87% |
| Unrealized securities loss / equity | 1.16% (p89 of band) | -0.29% |
| AOCI / equity | 0.78% (p72 of band) | |
| ROA (annualized) | 0.65% (p37 of band) | 0.83% |
| Net interest margin | 3.54% (p44 of band) | 3.63% |
| Efficiency ratio | 73.37% (p53 of band) | |
| Noncurrent loans | 0.36% (p39 of band) | 0.63% |
| Net charge-offs (annualized) | 0.02% (p68 of band) | |
| Reserve coverage of noncurrent | 674.36% | |
| Real estate % of loans | 26% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $170,000 (0.78% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | assets shrinking |  |
| 2015-09 | 1 | wholesale funding >15% | assets shrinking |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 | uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 2 | deposits shrinking, assets shrinking |  |
| 2016-12 | 1 |  | deposits shrinking |
| 2017-03 | 0 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-16 [FC Cincinnati and First Financial Bank Launch "First Match on Us" Program - FC Cincinnati](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRjJoWXktSUh3cGMyU1I2QjVHam9kR2pFOVVsNWZIYTktNlpjaXV6aTNUZ3R1aDBsUGdmcDdKaWdUbFJCekEtMDMwTElzRjlLVWNGTjNFVXUtMk9WczZ1MENXMGM2YVZ5dnB0TXJLV09pRlNwNi1WUkZfTnk0V3E0MlRaRWZZS0JEOFhTMFpLVVRxU1pxVktCeHowNU9kSTBwdV9DUmZwenc?oc=5) · FC Cincinnati
- 2026-08-06 [FIRST FINANCIAL BANK ABILENE REGION ANNOUNCES LEADERSHIP TRANSITION AND EXECUTIVE PROMOTIONS - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDZaTFVHc3djdjQ1ZmFWR2NadExrQWZwVDZ6aHFha0RiVWpzb0h2dG5NZjZ5ck1rdGotWEVSNE1ka05WSldRZXE3YWJRWWZXNWVFc2U1UTJjeE5DZGN3ZThTclNpdVJOT1BMeGFQVno0YWpMZzUyUnNSV3FWVUp5Ml9nN2F3NkQyVzBFQUw4RVg3YmhEbEJNS0YxVXE5bHU5YkFRTDNZbFdxMGZhcklqalBqelZULTUtblotZVVJZE4wT2hWczRFeWQ0MnlURzhCb0E5U3VDUndUZDljVjZubFJ3?oc=5) · PR Newswire
- 2026-08-27 [First Financial Corporation and First Illinois Corporation Sign Merger Agreement - GlobeNewswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOX2xqcXdPMGJaUUxCMWVqb0E4X29ZWEFVdWlOamdkWGt3WktEY0d0M3JDY2RZSTd2emg4SmRzdzhKanZKdjR3QlFmdHhNQjdHWnZVb3hqdWFXUlk4R3ZhbzJmeXhuWFlYS05CaktIQ3Y5ZlFfbHR6MTdJbUJjODFGLWdkRTVXOFpfSXYzdVY2MEl0dXBLd2x5MENOOE1yN0NUUUdFVVIwaTNySlpXdnJDamg4YjMyMzl4NG5yYkZNRER0Ty1ZeHlIekFTcURwN3VBZUhOS0V3NUVXc2RnS0lST1VLemhEelE?oc=5) · GlobeNewswire
- 2026-08-28 [First Financial Bank details $111M merger with Illinois bank - Inside INdiana Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTkFoZEc4RFBBUTFkNW5YQl9ac1VEY3lZVGI0N001TE9BU1k5MzFJU2NQbVBzNTlZeExfdGxZdmx2bkkwY0FpSXdtQXZZVG5QZXBlRlFBai05NWp3ZE1MRFZRcFR4MTB0TUJnSVExVHVsQ1g3Y09LU2xfVWt1MHExRnZETndwNVFxR2JVQWhPX1VpY1hVTU52eG92cjdOeDJyX2xUVmdiTG1hQQ?oc=5) · Inside INdiana Business
- 2026-08-06 [First Financial Bank announces Abilene leadership changes - KTXS](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWGdKNlRPbHJidXRqYVRKWm1FMFhKeWtxY2gtSXZWYjU0RFN3bmgwbkttTXpzSkR0elVfbHJLMXp1OGNWLXBQLUdmWklzUHdwR2wxVDJSOW1BQnl1SWZMd1pxSVN5aUNzQkdialVwME9VRDZORHNCTmpjY2JuMDFjN3hWQXNzQ3Z1MVpkV1hB?oc=5) · KTXS
- 2026-07-01 [More than banking: How First Financial builds trust in Bryan/College Station - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxOSjh5QUZIQkNYNjllOVdTNXR1R01HLWRaaTNDU1dsN09tbWdaaDg0akFkV2ZudW1kbm90NW1ZWHZteUdiSnlfaHA2LXlUS3NkSTRYbno0M0JyLUZuMHpJODFGaGQ0eFA2bWZQbGFSdkdpM0pTWVZHSmRiX004UVl3UUgxaFRhdlFmUVVaaUZWNEVpTUw3WWptczBzYXZWRzM3cHVXNTZwQ3hFSzBYQnl6WC0tNA?oc=5) · Community Impact
- 2026-06-16 [First Financial Bank completes integration of BankFinancial - ATM Marketplace](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVjJLTVgzN3g5aVVXQmR5ZWtkOFJkSXlUY3FOSFJubE5YS2UxV2lFNXZNZmxNYXlXRHgta0Y4ZEdrVk9iTkZnaFY2QUJLRVFPWng1MTM0WjBFSFM5NG9XdWZ2bDdneE53aUZkSTN6LTVKLWgwNGl4eVBNQTFZN2tiV3EzRmF2aXhRRDlCbU94cDNDMGRuZDByM1hlZXc?oc=5) · ATM Marketplace
- 2026-04-21 [First Financial Bank Makes Greater Houston Leadership Appointments - ABF Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYzdKS2dscHl4V3h5eVNzOUMzVi16YTBMQko5NUpxTlN5YXRoTHgzVXJ0ZVpmUWUxWi0wc25ZQ1BuSHpKT0xDMzliM01aOVpGdmFmXzZjeFJiV2N6ZVJtdkFORGVIWlRaU05FQUEwbTg0RHVid0dfS0lZMEpGbDVuakNsdHktNHpsbVY5VURqX3FPVlBNdjNDWkp3?oc=5) · ABF Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15776 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "15776", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide