# FIRST FINANCIAL BANK NA
SWEETWATER, TX · FDIC certificate 16653 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. 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 | $199.9M | |
| Deposits | $165.0M | |
| Loans and leases | $109.3M | |
| Total equity | $16.2M | |
| Loans / deposits | 65.38% (p42 of band) | 69.20% |
| Liquid assets / assets | 42.73% (p66 of band) | |
| Uninsured deposits / deposits | 35.68% (p98 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.64% (p81 of band) | |
| FHLB advances / assets | 3.00% | |
| Tier 1 leverage | 7.57% (p8 of band) | 10.13% |
| Unrealized securities loss / equity | 21.74% (p98 of band) | 3.81% |
| AOCI / equity | 0.22% (p46 of band) | |
| ROA (annualized) | 1.62% (p87 of band) | 0.80% |
| Net interest margin | 4.07% (p68 of band) | 3.77% |
| Efficiency ratio | 52.26% (p9 of band) | |
| Noncurrent loans | 0.89% (p40 of band) | 1.27% |
| Net charge-offs (annualized) | 0.08% (p51 of band) | |
| Reserve coverage of noncurrent | 147.53% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 2.71% (p23 of band) | |
| Auto loans | $25.7M (23.55% of loans; DQ 0.48%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **auto book souring** (`conc_auto`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | auto book souring |  |

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

- 2019-09-19 [First Financial Bankshares to acquire The Bank & Trust of Bryan/College Station - KBTX News 3](https://news.google.com/rss/articles/CBMixAFBVV95cUxPX2VNdGczUnJoWGJQdFJpNDBkTU91LXItTTM1aXhQbVMwS01NR0o0NlNsLU9lTEVRYk9pVFZIa1lRV3ZLTE9RTE5CQTB4TURGUWJHcml1QmVDVUhRaVViOWp6WUpmWmk1RzJMVHJDYnZxSWtCMU9OcFczNnlqRzNxXzBxOENMaDhjaHRRRmRaWVNKelpEWXJpS3luRU9kZFJHOGhEMHZSR2ZVM0RBNkhkQ3RqLVl4QlRobXZEMjRnbGZiaF9K?oc=5) · KBTX News 3
- 2024-02-12 [First Financial Bank Promotes Blaine Caillier to Regional President - citybiz](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN0sxbWFQZzg0LTVSTFEweVMySnpBcjdXUGtjdG5rcnlhR3dmMGpjaEVadVE0cmhMdkxuQ0JjbUV5QVhCWnh2Z0RYRDlQd3kwcVUtUXBWWV9QOEFlRHZzRE9LTnZUNFVwSDNYbEowanFaQnd2WHlmeGI0MHVqMHVMa2l1c29VeTFpZG1HQm1ERWQtLTdoLUZvVWdkWlE5NmcxQWczNHI2Tmk1QQ?oc=5) · citybiz
- 2017-08-22 [FIRST FINANCIAL BANK TO CONSTRUCT NEW BANK BUILDING - The Record Newspapers](https://news.google.com/rss/articles/CBMitAFBVV95cUxPdzd0aWdibUp2cmF2dUt1bHRRTEZ4RXJSeHBHZzd4VEdUby04OUJGVWhfVWFGOVVST1Z0Nm8wb0hFOEFKdHg0WV9NTmhWV0lXa0NmUmFjc1VWbU91TFRlcHRwbTF4NHJqcEtONGxLQXRBaEg2ZnZRU0N2VG9TOVloV2sycUUyZ0dNT1hhZFJhR3M0cVVZTzZsa0VjSVFNWVJKTGFPVnBqNU5wenFDcXZIUm9xY0E?oc=5) · The Record Newspapers
- 2022-10-17 [First Financial Trust Names Susie Stalcup to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORlhJcm5nVTRXYTVYODkwa0ZqdDJBbHZ0dDlZZldqVGwtX0pkcjB4N2swc2lKY2QzOVFzSkRpQWxSMHl2bHlMckJKNkxENzRuaTBkdHZFWjhmNzlsSElmNHloZFlwQzlFN2JVOTV4SlFnU3R6N3VvM3ZxSFJyWmRKc1ZJZkRENzA0OXp1WmFSeXZKcGJrcEQySlZzZ1pTVkJoRXdUMTRfZTQ0dmlKZmRKWTFoVFJPM2NzWE5r?oc=5) · PR Newswire
- 2018-07-07 [Business notebook: Geoff Haney named to First Financial Bank board - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPb3ZGSE8waW9oNkJzLXRGbmc0cklSRmlGS1pVcWRMc19VUmlXdk9KRmtCdEhvcGxlUGwyeHJQSUpNcGlwcmRnTzdLUlB6VzVYQ2Ytc1RpdV9xYmFKYUNaVFZhRWZhanJlMHotdVd6Wjh6RzNlM0FheUFHdWtHcF95SmtKc2VSYVQ1a2FPZF9iaGtyMENKTXVMT2ZFck0xNnRkWEpMdV83QWdnSkV3Z0hUOExvQjljV05XeF9WOWQ1NFZtcnJUSWFGUVNBR3dtRngtODc0UGpPMA?oc=5) · Abilene Reporter-News
- 2015-07-14 [Noto named Fort Worth market president at First Financial - The Business Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxORVhfakhDdHZBY0FvMW5Tam9fVFVzLXVOdGZDN2tnNW1ueTBTdlJfUktoNjV0c29MWDRBOTVONzFRLUp1RWttOG81eXk5VEV1RGkyS0pySWUtMTFkVVA3X2VqaXExOGNkZkVVRWJjNXdsTk1OVnBOMFVVSTF4NXlWWWxDdnk4eWEwSnNWNUMwU2hFLWhUZzB0UG1VSjM?oc=5) · The Business Press
- 2019-09-10 [Noble named regional director for First Financial Bank - gosanangelo.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNSEZFQXFUSFY4ajVWRUtYM3NWV0V6VVVwbllDNEJHLXBRS0s3dWNzS2VTOWlvMHgycnJXX1Y1cFE5SkMtMjVyS3NRT0VYcW9sNmxPX3I2SHRNNFlJWFNQWE5ab09ES0RUZEc4Y1JkQ2Flem5mSnB2Tkd2MkZDRHNGRkhIZHZZSDJvUzM1aTFROFRMdGFueU5nUG1xOS13bjM4QW5jZ2xBeVFVNXhFeHhPWUVB?oc=5) · gosanangelo.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16653 (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 "16653", 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