# FIRST FINANCIAL BANK
BESSEMER, AL · FDIC certificate 19440 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $248.1M | |
| Deposits | $237.4M | |
| Loans and leases | $133.2M | |
| Total equity | $8.1M | |
| Loans / deposits | 55.56% (p25 of band) | 73.59% |
| Liquid assets / assets | 36.30% (p57 of band) | |
| Uninsured deposits / deposits | 22.80% (p61 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.81% (p52 of band) | |
| FHLB advances / assets | 0.81% | |
| Tier 1 leverage | 10.69% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | -236.16% (p0 of band) | -6.57% |
| AOCI / equity | 0.73% (p96 of band) | |
| ROA (annualized) | 1.06% (p44 of band) | 1.17% |
| Net interest margin | 3.93% (p50 of band) | 3.93% |
| Efficiency ratio | 77.28% (p74 of band) | |
| Noncurrent loans | 1.52% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 67.03% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 136.79% (p98 of band) | |
| Auto loans | $510,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | leverage <7% | construction >100% equity |
| 2011-09 | 6 | capital falling, charge-offs p90 |  |
| 2011-12 | 5 |  | charge-offs p90 |
| 2012-03 | 2 | charge-offs p90 | losing money, expense ratio p90, leverage <7%, capital falling |
| 2012-06 | 4 | expense ratio p90, deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-09 | 5 | assets shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 2 |  | expense ratio p90, uninsured deposits leaving, assets shrinking |
| 2013-06 | 2 | noncurrent p90 | deposits shrinking |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 |  | uninsured deposits leaving |
| 2015-03 | 4 | expense ratio p90, charge-offs p90 | deposits shrinking, assets shrinking |
| 2015-06 | 4 | assets shrinking | noncurrent p90 |
| 2015-09 | 3 |  | charge-offs p90 |
| 2015-12 | 2 |  | assets shrinking |
| 2016-03 | 3 | assets shrinking |  |
| 2016-06 | 2 | capital falling | expense ratio p90, assets shrinking |
| 2016-09 | 2 | noncurrent p90 | capital falling |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | noncurrent p90, assets shrinking |  |
| 2018-06 | 2 |  | noncurrent p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | capital falling | reserve under noncurrent |
| 2019-03 | 1 | expense ratio p90 | assets shrinking, capital falling |
| 2019-06 | 2 | losing money |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | losing money |
| 2020-03 | 0 |  | expense ratio p90, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 3 | charge-offs p90 | securities losses >30% of equity, construction >100% equity |
| 2023-12 | 3 | securities losses >30% of equity, construction >100% equity | assets shrinking, deposits shrinking |
| 2024-03 | 4 | capital falling, AOCI drag >20% of equity | charge-offs p90 |
| 2024-06 | 2 |  | capital falling, AOCI drag >20% of equity |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | AOCI drag >20% of equity |  |
| 2025-03 | 2 |  | AOCI drag >20% of equity |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2026-06-08 [First Financial Bank to open new branch in Hoover later this year - Bham Now](https://news.google.com/rss/articles/CBMingFBVV95cUxNQnZDSG5Bcl8xeGxRaVg1TDlINnhxeHIxY25rZGNlZlE2NHdNSUdWRTZ4dDl1RlRobkFBdHVQLVhYRHBtcy0xV1E5aEZweG53a3JJVUlhSm1wMENSbU40ak1BLXA5d1lJNjVtWFRacG5KdHIybjZoMlY3YjdLbnJhX3pNV08xd0VHcy01aEc0UnRQb0pmYjdTOE5iQXZOQQ?oc=5) · Bham Now
- 2026-09-05 [Court news – July 2 – Sept. 1 - The Republic News](https://news.google.com/rss/articles/CBMickFVX3lxTFBLTGhQaHdkTmt1b1doSzhyZ0hIWEduY2FEOGJZM1loYkRkQy1lbTVydTNQaV92UnpkUFhkU3lORDFpNnN1WkxPZXNqempkU0pHWC0zN2o2UjR2cXNjS3ZkMlBjV291WU83MUJsUlZGWVg4QQ?oc=5) · The Republic News
- 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
- 2025-11-19 [First Financial Says Medical Device Maker Owes $13.6M - Law360](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZUpnS2pwSjZ1c0c5LVlJZFFaNVBPRnkxNjVTTXFXMi1rTHItN0JPNTF2UEFSMlZtMi1jcGZzdVpmRzBEZWZ1LWtIcWFZZ1B4dzYzRXZYal92NVk4aGJoWV9HVG1SRkVwaFpaRXhFVFpUbUZvR2U1REEzQUJ0WVZGeDhYTGVnUE8zNTdGbmxpYnZOcy1iWXJJ0gFWQVVfeXFMT2RkdDAwMy1BaWtvdXBYZXlGU3V5M0htNThlUzlIVFJMUEJoR3lNOHZENkJGV3JnRHNfaUlIMXhIcENxbXdQaEp3NEtOdTJYclQ1bzdUZFE?oc=5) · Law360
- 2026-04-03 [Hoover business happenings: April 2026 - HooverSun.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBuOUFOd0dYYmJ0UmdwbU1ieHVEbGhIc0pDRi0weXhoUVJPVHFxeUdwTG4xWktVRGdQdi1LUWd6YVFhd0hMdkxRZGNfUjU2eHZjN0Jqa1QyWXlzeUFPRnFibDk1NUVIbnlIb0s0VnFxOHQtd19YVWlxQ09oQdIBhgFBVV95cUxNRUpsWGRWUTFhZEpxU3V2UEdqN200RXBuMUZpblJLS0dWX0hBRXFuamFCemUycm5BdVlNT1B5NTJXWXNmRGFLRGo2a0JxMGZVVDRzdXRrLWRva2Q1TjAyd3RNMTNPUllEakNzRGFJYWVlM1ZJd0Q1ZUxIdk1ZQUVsdXZqNzNiUQ?oc=5) · HooverSun.com
- 2025-04-25 [Spring brings new over-the-mountain bank branches - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNX1hYZmRheGZpMVdoQnJTaEhJb2RfMEt0TXpnRE9PV1I1b2FtT2ZhU0ZyV3hBY2tUN3VKTjlGeno3TDhuLXdIRFdnaUgwX3ExeDhhNkZJNFpPZGEyV3diWGNoUWNibHU2UHl4R0hhR1FGUmFnazRDRTRHY2lHQ1dXV3lPamd2YmdaUDRuLWRtNmo5aUlPc3NkZ1pzcHJUNExhN3c?oc=5) · The Business Journals
- 2025-04-18 [Shelby County woman agrees to plead guilty to stealing $53,000 from bank where she worked - WBRC](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVVA3RU5CUEVFcjdPZEFvX1FDNUJoQi1sR3Vaa3B6Z1BoS0Fwcmo4cmN4cERRaHlqNDFsZnlkWG80dXdoanRERHZjUnpYR0N1WEpYY0R0Y09WSkRKYTNNNUhkbG9PSzd5Q1VhdFJvOHQydzVSV1lPVE5ud2xOSmVSNWI2ZkRLcE5La3YwaEdFMlpSVzhGMzJlOFdJdmpFc01DcE1OMDF3WFhPLXcydXfSAcIBQVVfeXFMTkxfRFQxM1NVRjVNM19OU0l0eE9vdE1VNEhob0xRTWZPVTJCQnVSX0Y1elp1SkROd3J0SnN1X3UtY3A2SGhtdHFrZkF6ZFFDbW9GWU03Ul9fQjhoOXZOWFhLVGpIelBhLTBXN012dG5RUlZfQlRZT2ZZNlpDM1pKM25UeDBwLWEtWllMYkFTX296Q2FLZVdMd1BRLWpyZXpMbjVRNzNsb1RuaTdYcnBCMzRsODJBQW5HNG5NalRWb1dVWXc?oc=5) · WBRC
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19440 (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/48.json (key "19440", 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