# FIRST FINANCIAL BANK
EL DORADO, AR · FDIC certificate 28905 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $2.04B | |
| Deposits | $1.68B | |
| Loans and leases | $1.73B | |
| Total equity | $231.3M | |
| Loans / deposits | 102.09% (p89 of band) | 87.10% |
| Liquid assets / assets | 9.38% (p5 of band) | |
| Uninsured deposits / deposits | 28.24% (p43 of band) | 30.76% |
| Brokered deposits | 5.73% | |
| Wholesale funding | 11.12% (p68 of band) | |
| FHLB advances / assets | 5.38% | |
| Tier 1 leverage | 11.15% (p63 of band) | 10.50% |
| Unrealized securities loss / equity | -4.16% (p68 of band) | -7.75% |
| AOCI / equity | -0.35% (p46 of band) | |
| ROA (annualized) | 2.18% (p93 of band) | 1.26% |
| Net interest margin | 4.39% (p84 of band) | 3.70% |
| Efficiency ratio | 54.86% (p38 of band) | |
| Noncurrent loans | 3.64% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p84 of band) | |
| Reserve coverage of noncurrent | 29.15% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 80.24% (p79 of band) | |
| Auto loans | $8.0M (0.46% of loans; DQ 6.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 334 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 4 |  | construction >100% equity |
| 2012-03 | 3 |  | liquid assets <10% |
| 2012-06 | 4 | liquid assets <10% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | liquid assets <10% |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | loans exceed deposits |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 | noncurrent p90 | capital falling |
| 2015-06 | 4 | loans exceed deposits |  |
| 2015-09 | 8 | liquid assets <10%, construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 9 | assets shrinking |  |
| 2016-03 | 8 | charge-offs p90 | uninsured deposits leaving, assets shrinking |
| 2016-06 | 5 |  | construction >100% equity, deposits shrinking, charge-offs p90 |
| 2016-09 | 6 | construction >100% equity |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 5 |  | construction >100% equity |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 6 | capital falling |  |
| 2018-09 | 6 |  |  |
| 2018-12 | 7 | construction >100% equity |  |
| 2019-03 | 5 |  | liquid assets <10%, construction >100% equity |
| 2019-06 | 5 | liquid assets <10% | capital falling |
| 2019-09 | 3 |  | wholesale funding >15%, liquid assets <10% |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 4 | deposits shrinking |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | charge-offs p90 |  |
| 2023-06 | 3 | capital falling | assets shrinking, deposits shrinking, charge-offs p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | loans exceed deposits |  |
| 2024-03 | 4 | charge-offs p90 | loans exceed deposits |
| 2024-06 | 3 |  | charge-offs p90 |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | liquid assets <10%, capital falling |  |
| 2026-03 | 4 | loans exceed deposits | capital falling |
| 2026-06 | 4 |  |  |

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

- 2026-09-06 [Commitment from First Financial Bank will help SAU realize plans to restore poultry studies - Southern Arkansas University](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPWW1TNlQxZU9PMnNBZ0V2SnZaUF9FU2M0OEZGN3hSOE0wSlJjQ25Yc3ZpRUM1TXZhT29YbGNaQklVU2M5NnhGVTJyem5pR0o0VXpwLXd1RVR5OXRkSFBzQ2xxTFprejJtM3daMlZ3ZDZsaVhmUV9MSWtJUUxzWjJOSTlOWlRIdzZUeEFNNkpNYVNHNW9HUUxPZWRVdWhRSEVna1BHa1VjZFRmT0p0Q3c5SEw4MzBuRTVNNjgtNEVhWHlyaG8?oc=5) · Southern Arkansas University
- 2026-06-01 [First Financial Bank CEO Sean Williams on What Makes a Good Poultry Loan - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcXBvWlRzaWN6WVhSMHFoNWRCa2dXV1Y3YWdFeE1XNU4zSUFFeGl5UGF1cWZUNXBNQ0FtekVtYjVYWmtqUTBhMHlLZmtrVVJRcFUxNGxydTNncmJfakhITUdmZFdNaGotckphVEJuNFlGdG5zQ0tZd0dqUE4xZWtnZjFFRlRmaEZXMUdONkpLcnFsS0lfSzg2TVc1QmwwUGhtcXB1dmlXTWxvYUVG?oc=5) · Arkansas Business
- 2025-08-11 [First Financial Bank to Strategically Expand Presence in Chicago with the Complementary Acquisition of BankFinancial - PR Newswire](https://news.google.com/rss/articles/CBMiggJBVV95cUxQYnc3MHpvSllXVFBobXBPUFlOSmRUTm81WjJmcnFCVjRQTUhQWVhld1JWMF9ZVTdvQzdjMmttRjVMTS1nOGx0SDFwS0FqWmFNWVFiNndkZUlUdUxtTTRQZDVJWUpxeldxc1lMdThFOXdoR0xwbkNqRmJYbGEyQm5RUTdxZVphSFRJa05CYWFqWGlKdEJVQ0ZHUFRPVS05enF3Sld4Z0hzaE5NLTd0ekktQTlZZ1ZDc0VNd3VlWi1iY0dqbFM1eU5jNHhrN3hwT1EzUFhQMGZ4R2NKNWJGSzljMzN4cHM0eWxmYVhCSVdMWXRReG04d1RrTkVrWllSYTM4cUE?oc=5) · PR Newswire
- 2026-03-16 [Lexicon, Conway Corp., First Financial Bank Announce Promotions (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdlVnellPSkt2X0F1ZkVhRk5zUmljb2l1Sjh0Skw0V1JVOE1JcmFvaWtXSklBZTNYYkJVLXh0bHcyT0tyTHlIaHYzMEdwWXFSZ3ExTmp5SUpOM0dxQ2ZHVjAwOHJiYVh4aENaSFBvb0U3VjVOakRSb2VSYWlBQW9ueXVrc0VhOWVUbjU5NWN3Sld5YmtyNEQwTEEzYmtiV1N0ZW1fS2NXcEtrci1S?oc=5) · Arkansas Business
- 2026-07-19 [Poultry Education Facility - Southern Arkansas University](https://news.google.com/rss/articles/CBMiVkFVX3lxTE92RUt2WFc2R2d0WFdVanJFUzhISlFCVHVYNTlObUlGbjl1ZW5YR3lNcGEyRVBZSFJjYUN0WnBTc3VfQlA0ZWRiUkhtb2tqU09NUnduaUhB?oc=5) · Southern Arkansas University
- 2019-07-28 [First Financial Bank of El Dorado acquires Wynne bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQm5PbkQteDhueHo3MEd5MU14bjMzSXVOYmVzYV9NUHhsYWF0SEpXQjRjekdTUVpaOHg4YkQtdGRobGtJWTZzVGg0c2ZpNlhKOGtLOHVJMTQ2TkVOYUJrS0hiUHl6Zlcydkpid3VxT3pUSFpfcG9VaGo1bS1WQmRhS0o0TFNtR0JVM09LUnl6R3k?oc=5) · Talk Business &amp; Politics
- 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
- 2026-08-27 [First Financial Corporation and First Illinois Corporation Sign Merger Agreement - GlobeNewswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOX2xqcXdPMGJaUUxCMWVqb0E4X29ZWEFVdWlOamdkWGt3WktEY0d0M3JDY2RZSTd2emg4SmRzdzhKanZKdjR3QlFmdHhNQjdHWnZVb3hqdWFXUlk4R3ZhbzJmeXhuWFlYS05CaktIQ3Y5ZlFfbHR6MTdJbUJjODFGLWdkRTVXOFpfSXYzdVY2MEl0dXBLd2x5MENOOE1yN0NUUUdFVVIwaTNySlpXdnJDamg4YjMyMzl4NG5yYkZNRER0Ty1ZeHlIekFTcURwN3VBZUhOS0V3NUVXc2RnS0lST1VLemhEelE?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28905 (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/41.json (key "28905", 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