First Financial Bank: how it compares with its peers
Against 10 TX banks with half to twice its assets, First Financial Bank's strongest measure in Q2 2026 is return on assets (1.77% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($10.0M vs. $10.5M).
| Measure | First Financial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.77% | 1.43% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.63% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.83% | 50.91% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $10.5M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.09% | 81.81% | Context |
What it means for lending operations
Its efficiency ratio of 44.83% is better than the 50.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Sunflower Bank, National Association Dallas, TX · $15.65B
- NexBank Dallas, TX · $14.16B
- PlainsCapital Bank University Park, TX · $12.68B
- Charles Schwab Trust Bank Westlake, TX · $10.51B
- Amarillo National Bank Amarillo, TX · $10.38B
Questions about First Financial Bank
How big is First Financial Bank?
First Financial Bank, established in 1889, is headquartered in Abilene, TX. It reported $15.23B in total assets in its Q2 2026 FDIC call report and operates 84 offices.
What is First Financial Bank's return on assets?
1.77% annualized in Q2 2026, against a 1.43% median for 10 TX banks with half to twice its assets, ahead of 70% of them.
What is First Financial Bank's efficiency ratio?
44.83% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 50.91%, and lower is better.
Is First Financial Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 5.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.