# FIRST FINANCIAL BANK
TWIN VALLEY, MN · FDIC certificate 16115 · asset band <$300M · latest filing 2012-12 · 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 | $16.4M | |
| Deposits | $14.3M | |
| Loans and leases | $4.3M | |
| Total equity | $2.1M | |
| Loans / deposits | 29.58% (p5 of band) | 68.02% |
| Liquid assets / assets | 72.17% (p95 of band) | |
| Uninsured deposits / deposits | 7.72% (p44 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.47% (p70 of band) | 10.05% |
| Unrealized securities loss / equity | 10.22% (p86 of band) | 3.01% |
| AOCI / equity | 2.60% (p93 of band) | |
| ROA (annualized) | 0.18% (p18 of band) | 0.76% |
| Net interest margin | 3.05% (p17 of band) | 3.75% |
| Efficiency ratio | 94.24% (p86 of band) | |
| Noncurrent loans | 1.73% (p60 of band) | 1.21% |
| Net charge-offs (annualized) | -0.04% (p4 of band) | |
| Reserve coverage of noncurrent | 156.00% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 4.02% (p26 of band) | |
| Auto loans | $217,000 (5.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 5 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |

## 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
- 2026-07-21 [First Financial Bank acquiring 116-year-old Peoples Bank - nwitimes.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNldNeUx0TUtRRXJOTGhJaGlQeENPWUZPYVc0Y1RvV3dMZWNxU3k5ZEY0aW15VzFFZHZONVZNdXU2QkpqMlpXSHJCT2lQc0dHZnpZdFgyTS1jZ3hrSTNmbGZMRzNQNVY4SWlsQVJlY1hTd2JFei0tRWVqdGdPZkZRUk1ObUZuYlV1?oc=5) · nwitimes.com
- 2026-07-22 [First Financial Bank proposes $208M acquisition to nearly double its Chicago presence - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPNUxWb0hKN1dNY1pKOC10UGZLY2ozWGp1OWMxOTBzaE9TRUZydm5KY05LRFN4Y2ZXZGZUbDI1cnk4Vm96ZzJUZ29iTjYwTTh1OFZVWThYLXZUY0ROdmJ6bWNyNnN1TTZNdnJndHRxdzRIZWk5dW9rZFNmekM5MXFTR3FSRXJtQjNwZUlHQ2U1eGVfU1lqZkpLQVBveUwzczB1OFZlT1M1ODV1bndi?oc=5) · The Business Journals
- 2026-02-10 [First Financial Bank to pay $10.1 million for naming rights to convention center - WLWT](https://news.google.com/rss/articles/CBMinAFBVV95cUxQbC1jV0xYeElxQ1BEOHVIdEo0dV9PbGVyMWg2YTZtWXFISVhjU1R3dzBuMHR2bjNTZldzYWZOU1E0X05iMmJEdmpBOGFjZ1JSZEVsSlB1QXlLWHM5YW5mc3llVWFkWU5uOS0xeXVKWkRub1NDLTJVU3QwalB0SWRYRTZpcUlKQm9kZTJfYmpWYnp0Y3dib3d4dzF1ZkU?oc=5) · WLWT
- 2026-04-21 [First Financial Bank names new Houston regional CEO, promotes other execs - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTElCV3Y3dndZeWRTWjcwVVA3QTdNQndxb3Ftc0Jid2hwcV9GSUZjaUhjU3UybThDV3BCelhTck1SUklrdUxsdEFyaVJfX3M3ejRNWk1Ud3lvMkJoU1ZTR3REeFl6UjVkVG9STkhQZTc3LUpCM24zM0VVV0twQ2xwVW4waEZTSVFYNjNaMi10TEwtVDZtV3V2aGVXZ3Q1Qy1yYlZCX3htOA?oc=5) · The Business Journals
- 2026-06-08 [First Financial completes rebrand of Chicago-area BankFinancial branches after $148M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSVZDWEFhWnh5MGtZcVVlRjRTZGl2VVBIMzFyeWp5N0x4R3UwOEZrS01zQ2w0dHFvbVl4NkZWM2NjQndkLWo1Z2QxU0NVdmVzXzdJQXpFMzhXN29qV3l1OGlocXN2TFI1S2s2Mk5oQ0hHUHI2SFp2RGZJUVNuc1lNSXYtaTdSZ3ZNYkswMU5PRnJ1UkhYME1GcFJWZmtLdERJOGRkNjZRNDNILWc?oc=5) · The Business Journals
- 2019-01-15 [First Financial Bank Inks Club Partnership - FC Cincinnati](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTkYwaUNfNk94SEE3eDNoRkhOUE54em9aVFBJNmZyc2Fja0JBdG5aRURLeDA4NUpYSzVwaG9KdkhEUXFoby1Sb1JtTi1uVGUySkhXRU55MEJRMzJGRjhSU1AxQTRLNEx3R1hoZU41VENmZjhjOVB0NDA4TkJjX1J1d2tn?oc=5) · FC Cincinnati
- 2019-06-13 [FCC checking, debit card now available at First Financial - FC Cincinnati](https://news.google.com/rss/articles/CBMinAFBVV95cUxQVUkyUXZ6S25ULXh2cmIzdWFIQndCSWpfTE9DNlhwTEV3TnFZUDNRMGRMN0lmUmliT3V6UzdGOGs3QThTSGUyQk9ES3ZqNU9xUnVWY0w3R1pTZHFRUWE1OWo0MmlnOXY0ck9ZUnF4dHJBRS1YODF3WTlCRVQ1M0d5Q1JyRVJBYjdGU0xFTGx2U05lVEgyUENJelAwd1E?oc=5) · FC Cincinnati

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16115 (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/51.json (key "16115", 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