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First Financial Bank, National Association
Terre Haute, IN·FDIC Cert #4382·Charter: OCC·Est. 18630803.0·HC: FIRST FINANCIAL CORP
Total Assets
$5.7B
Q4 2025
Return on Assets
1.46%
+0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.71%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%+0.04
ROE
13.81%+0.13
Efficiency
56.71%+0.75
Equity/Assets
0.00%+0.00
NPL Ratio
0.37%-0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.66%+3.10
Charge-offs
0.18%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 1.0 | 1.4 | 1.4 | 1.4 | 1.5 |
| ROE | 9.4 | 9.6 | 8.8 | 9.8 | 13.5 | 13.4 | 13.7 | 13.8 |
| Efficiency | 67.4 | 66.0 | 64.0 | 63.0 | 55.3 | 56.3 | 56.0 | 56.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.5 | 0.4 |
| Charge-offs | 0.2 | 0.4 | 0.4 | 0.4 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 76.2 | 75.2 | 77.6 | 80.3 | 81.9 | 82.2 | 84.6 | 87.7 |
Balance Sheet
Total Assets$5.7B
Total Deposits$4.6B
Total Loans$4.0B
Total Equity$640.6M
Profitability
ROA1.46%
ROE13.81%
Efficiency Ratio56.71%
Net Income$81.8M
Risk & Asset Quality
NPL Ratio0.37%
Charge-off Rate0.18%
Loan/Deposit87.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans