# FIRST FINANCIAL BANK
HEREFORD, TX · FDIC certificate 16589 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $170.5M | |
| Deposits | $137.7M | |
| Loans and leases | $109.8M | |
| Total equity | $16.1M | |
| Loans / deposits | 78.27% (p68 of band) | 69.20% |
| Liquid assets / assets | 34.89% (p50 of band) | |
| Uninsured deposits / deposits | 17.79% (p86 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.40% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.12% (p30 of band) | 10.13% |
| Unrealized securities loss / equity | 15.01% (p93 of band) | 3.81% |
| AOCI / equity | 2.05% (p84 of band) | |
| ROA (annualized) | 1.59% (p86 of band) | 0.80% |
| Net interest margin | 4.34% (p80 of band) | 3.77% |
| Efficiency ratio | 49.40% (p7 of band) | |
| Noncurrent loans | 2.72% (p73 of band) | 1.27% |
| Net charge-offs (annualized) | 0.27% (p72 of band) | |
| Reserve coverage of noncurrent | 67.96% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 12.19% (p45 of band) | |
| Auto loans | $7.5M (6.82% of loans; DQ 2.79%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 2 | capital falling |  |

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

- 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
- 2026-08-06 [First Financial Bank announces Abilene leadership changes - KTXS](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWGdKNlRPbHJidXRqYVRKWm1FMFhKeWtxY2gtSXZWYjU0RFN3bmgwbkttTXpzSkR0elVfbHJLMXp1OGNWLXBQLUdmWklzUHdwR2wxVDJSOW1BQnl1SWZMd1pxSVN5aUNzQkdialVwME9VRDZORHNCTmpjY2JuMDFjN3hWQXNzQ3Z1MVpkV1hB?oc=5) · KTXS
- 2026-01-16 [First Financial Bank Makes Promotions for Continued Succession Planning - ABF Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdUl2VmpwdkpsTGhQSWh2LUJmNW8xTGRLOTJBMnhRcUhzSWZWVzJKcVFMZENJV3pyZ2pOQ3B1OTZOa1NrNTlMaHlnRGpZc3R2aWhFbTNUbVhzSmFJMWZSZGRIeFZ2cWR6d2ZYRVVHTFA3R0tlM01ETXpKd1BZcVBqXzBjUGJ2eFBvTTZMbHMwYlM2T3c2eVNWSWhFVFZtNkpa?oc=5) · ABF Journal
- 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
- 2026-01-28 [First Financial Bankshares, Inc., First Financial Bank Announce Promotion of David Bailey to CEO - PR Newswire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNbEc2TmtHaDBLX1JwalZnZU04cTZaVGdjY3ZpS2liWXJJWWtqUjBKUm5jMDdCcHlXZERaTThTc01maVJQS0QwSlkwQVJwSFdOMEcwTG45RW4zeVh5RVVQazNQOXhMdmJHcmdSeW13WUc2aW9JUEJlZnBNaVE3aE5PNkE0NHZEWUZ1R1I1Vl9pd2xmZ2JUbkVZSDAyQUt0RTI5Q3o3VHVPMmNTdHM0V2ZoVnFQTjBGNWY5bFNXT3ZGanVSQjZOblVLMEZGZUVFaTBYMzRmZ05qU1J2NjY0REM2UnVmYw?oc=5) · PR Newswire
- 2026-07-06 [Beaumont Police catch suspect mid-burglary at Dowlen Rd bank early Sunday morning - 12newsnow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPLUlaeUR0UFBBRE5DWVlWU0ZEc2hFc0JFZXM4TDZ3MzRCakIzcHFaaEt3aWNESGdWdDNHYVFXeXBTV3czSVJRMDJhU1FLTkowbGUycE42MjFyd05LMUtuWVhvNGcxQm84MWtRRlY3QVFsOHY3ZjFyQ2FaT1VJbnNPR1lDdnNRWkczeTJKbWI4TnN5UnNXVElqaTRXWDNZN0ZxakEyZjU0NExGRWZabEY2cjdvMHprOHJEOEdVUF8zQk8xS28zanNpTGVGUUJIeWZTS0VNeVJBTQ?oc=5) · 12newsnow.com
- 2026-04-21 [First Financial Bank Makes Greater Houston Leadership Appointments - ABF Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYzdKS2dscHl4V3h5eVNzOUMzVi16YTBMQko5NUpxTlN5YXRoTHgzVXJ0ZVpmUWUxWi0wc25ZQ1BuSHpKT0xDMzliM01aOVpGdmFmXzZjeFJiV2N6ZVJtdkFORGVIWlRaU05FQUEwbTg0RHVid0dfS0lZMEpGbDVuakNsdHktNHpsbVY5VURqX3FPVlBNdjNDWkp3?oc=5) · ABF Journal
- 2026-07-30 [FIRST FINANCIAL BANKSHARES ANNOUNCES 2026 SHARE REPURCHASE PLAN - TradingView](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNLVU2bkYzZElvVGF3SmtXTGg4QVRtOEM2SUFrY2xOelJqWDcyekpTRU9jajJqOGR6ZV9hV2owQVhoc21salRkQ3ZrMmo1dTZFa3ZOdjd2ekhXV3hOSm5MVjkwcENkOWp0RTVYQ3ptNW9SNzBNR0lBOEdfX01XNHdkTV93UE14QjZ2N0RQWGhleVFpMnotYzFNTXVPazFPTEliY1V4NlRwMnZVRFBWcm4tZ0l0a1RPTnFsRHFNY2MyV1k3UQ?oc=5) · TradingView

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16589 (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/13.json (key "16589", 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