# FIRST FINANCIAL BANK NA
TERRE HAUTE, IN · FDIC certificate 4382 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $6.17B | |
| Deposits | $4.85B | |
| Loans and leases | $4.47B | |
| Total equity | $661.9M | |
| Loans / deposits | 91.06% (p63 of band) | 87.10% |
| Liquid assets / assets | 20.49% (p47 of band) | |
| Uninsured deposits / deposits | 36.41% (p64 of band) | 30.76% |
| Brokered deposits | 0.75% | |
| Wholesale funding | 10.39% (p66 of band) | |
| FHLB advances / assets | 4.61% | |
| Tier 1 leverage | 10.36% (p47 of band) | 10.50% |
| Unrealized securities loss / equity | -17.25% (p24 of band) | -7.75% |
| AOCI / equity | -0.66% (p28 of band) | |
| ROA (annualized) | 1.45% (p66 of band) | 1.26% |
| Net interest margin | 4.27% (p80 of band) | 3.70% |
| Efficiency ratio | 56.84% (p42 of band) | |
| Noncurrent loans | 0.61% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 188.21% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 49.49% (p52 of band) | |
| Auto loans | $704.8M (15.78% of loans; DQ 1.10%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 943 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 2 | uninsured deposits leaving |  |
| 2021-03 | 1 |  | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking | charge-offs p90, uninsured deposits leaving |
| 2023-09 | 3 | auto book souring |  |
| 2023-12 | 2 |  | auto book souring |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 3 | charge-offs p90, auto book souring |  |
| 2024-09 | 2 | capital falling | securities losses >30% of equity, auto book souring |
| 2024-12 | 1 |  | charge-offs p90 |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-27 [First Financial Corporation and First Illinois Corporation Sign Merger Agreement - GlobeNewswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOX2xqcXdPMGJaUUxCMWVqb0E4X29ZWEFVdWlOamdkWGt3WktEY0d0M3JDY2RZSTd2emg4SmRzdzhKanZKdjR3QlFmdHhNQjdHWnZVb3hqdWFXUlk4R3ZhbzJmeXhuWFlYS05CaktIQ3Y5ZlFfbHR6MTdJbUJjODFGLWdkRTVXOFpfSXYzdVY2MEl0dXBLd2x5MENOOE1yN0NUUUdFVVIwaTNySlpXdnJDamg4YjMyMzl4NG5yYkZNRER0Ty1ZeHlIekFTcURwN3VBZUhOS0V3NUVXc2RnS0lST1VLemhEelE?oc=5) · GlobeNewswire
- 2026-08-28 [First Financial Indiana Announces Merger with First Illinois - The Globe and Mail](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPRVg5LXN3bzYzRE1JeTVNUjd6LTQzcFhEcWt6M0xhUGY1U3IydktQaU5WdkJXUFQ4Wno3dVZ5dElxMWhRTHU2UzR1dnBsVERaNkRpeE9Sbnp6dTFWQlo2Yml1NGF5ZHNTTE12Mmk0WlBVZkZiRFBhbmwwdGY4LWpsWHdCR0JnNnN2UFFNUHpjSlR4SGlVempwM1hkdXphWV84bms5a1YwZ2NPQUFsbS12d0dsT2pVa21ubTlJYlFReTQxVGkycUxuVl9hbHE0RDB4dkp0ZEx4eWc?oc=5) · The Globe and Mail
- 2025-11-06 [First Financial to acquire CedarStone in $25 million cash deal - Investing.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPRE5UZEd2YzdWaFNWTS03V0l5UGR6R3NlMTI0a2V6SEd2d0FyblhIbVBYd1hNQWt6ekxXbkRWeW9HOXBMRV91Nm9pRG10SWVMMnV0Z1M2SkVlX2s5eUQ2SmFuR3gxQUJaQXJFTUx3elNzQ0xRZF9qWEo1TkJDcTFhakt1OVBtRnMtNGVrTzFUS19jeF85WFFZbDkzSU9FQU80WVhQYVJJcm9OMEE4UkFCbG85SzNPZVVsTGc?oc=5) · Investing.com
- 2026-03-18 [Five-state First Financial bank pays 56¢ a share in April - stocktitan.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxONGtwTEp3MVBlS1JyWjBtbTBTM2NTbGJLOGxkTGFhem4tb1hyLXJvZWlUWG1PN2N0Z0RJRHg2bnVfM01nMFBqdFBLeVhMbGwyd2NITGFQYk0yejgxUjRXcGw5d0QyT1BFR2QweTZZRHFhSjdVQjZfUUV1TUc4ZGtDbzNYX1dQNFJic2NBNlhRVkh6YjZyeUhQOXIwTEE3VjN5RlBZ?oc=5) · stocktitan.net
- 2022-06-09 [First Financial names Bruhn as president, CEO of Southlake region - Fort Worth Report](https://news.google.com/rss/articles/CBMipwFBVV95cUxPV2dpb0htejA2UDBLMmFmVXZSMS1sREhRRWJ0aHZwRm9JZlZpTnIyWTluQlB3V05KWG5oZkN5YllaVFhxX25kTW45bVdpVlNibGFsWE93Nlota2tYMjdFYlBEZUxzNVoxRlhmV0d0Mi1Sb2hORDV5OUhZdU1WN2w5T1M5MzNYRkVDaEc5Y3Z4NWRDOG4wN2owRFdNbHYwSkwzaWVqQUg4dw?oc=5) · Fort Worth Report
- 2023-12-01 [First Financial Corporation Names New President, CEO - Building Indiana Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNR1RpX1ZJTGF6WlFpcmxEeVFwVnJRWGJ4WG0xQnRNNUhTTmNuRDNUZmxfOHNtSTNDX2QzdUhQcmE4OWppNF9kdjVXaGZIb3hlSFBYcGhLSTFZcE1rb09uLVYzN056SHppTU5PQzJGN3VLYVdOU0Jzb1lndmhrZzFpQ3NMNDM1djBHUmFUWllFbGcwOThHVDln?oc=5) · Building Indiana Business
- 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.co](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN0sxbWFQZzg0LTVSTFEweVMySnpBcjdXUGtjdG5rcnlhR3dmMGpjaEVadVE0cmhMdkxuQ0JjbUV5QVhCWnh2Z0RYRDlQd3kwcVUtUXBWWV9QOEFlRHZzRE9LTnZUNFVwSDNYbEowanFaQnd2WHlmeGI0MHVqMHVMa2l1c29VeTFpZG1HQm1ERWQtLTdoLUZvVWdkWlE5NmcxQWczNHI2Tmk1QQ?oc=5) · citybiz.co

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4382 (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/30.json (key "4382", 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