First Financial Bank (FDIC #19440): Bank Stress & Real-Estate Credit Exposure

First Financial Bank (FDIC Cert #19440): bank stress 80/100, severe, STABLE over 7 days; parent FIRSTFED BCORP EMPLOYEE STK OWNERSHIP PLAN.

First Financial Bank (#19440) lends in 4 counties across 1 state; First Financial Bank (#19440) reaches 111 ZIP codes: Alabama 4 counties, 111 ZIPs.

First Financial Bank (#19440) largest markets: Jefferson County, AL (192 branches, 64 ZIPs) (#19440), Tuscaloosa County, AL (28 branches, 28 ZIPs) (#19440), Shelby County, AL (23 branches, 23 ZIPs) (#19440), Bibb County, AL (33 branches, 11 ZIPs) (#19440).

First Financial Bank (#19440) reports $248.1 million in total assets; First Financial Bank (#19440) equity $8.1 million (3.3% of First Financial Bank (#19440) assets); First Financial Bank (#19440) domestic deposits $237.4 million; First Financial Bank (#19440) net income $1.3 million; First Financial Bank (#19440) return on assets 1.06%; First Financial Bank (#19440) return on equity 35.39%; First Financial Bank (#19440) net interest income $4.1 million; First Financial Bank (#19440) call report June 30, 2026.

First Financial Bank (#19440) noncurrent real-estate loans: none reported; First Financial Bank (#19440) net charge-offs on real estate 1.67%; First Financial Bank (#19440) residential charge-offs 3.41%.

First Financial Bank (#19440) net interest margin 3.93% against an eight-quarter First Financial Bank (#19440) average of 3.82% (First Financial Bank (#19440) compression -0.11 points); First Financial Bank (#19440) non-residential real estate 341.1% of equity; First Financial Bank (#19440) rate-exposure score 40/100, First Financial Bank (#19440) fixed-rate trap 40/100; First Financial Bank (#19440) risk type credit driven; First Financial Bank (#19440) rate regime rates elevated, First Financial Bank (#19440) snapshot October 19, 2026.

First Financial Bank (#19440) stress score moved from 78.6 on June 22, 2026 to 80 on October 19, 2026; First Financial Bank (#19440) ranged 78.6 to 80 over 116 snapshots.

First Financial Bank (#19440) alerts: 4 counties; top First Financial Bank (#19440) alert scores: Mccalla County, AL 29 (low); Pelham County, AL 29 (low); Vance County, AL 29 (low); Woodstock County, AL 29 (low).