First Financial Bank NA (FDIC #4382): Bank Stress & Real-Estate Credit Exposure
First Financial Bank NA (FDIC Cert #4382): bank stress 59/100, moderate, STABLE over 7 days; parent FIRST FINANCIAL CORP.
First Financial Bank NA (#4382) lends in 44 counties across 5 states; First Financial Bank NA (#4382) reaches 531 ZIP codes: Illinois 12 counties, 198 ZIPs; Tennessee 10 counties, 128 ZIPs; Indiana 10 counties, 112 ZIPs; Kentucky 10 counties, 78 ZIPs; Georgia 2 counties, 17 ZIPs.
First Financial Bank NA (#4382) largest markets: Davidson County, TN (37 branches, 37 ZIPs) (#4382), Champaign County, IL (140 branches, 35 ZIPs) (#4382), Mclean County, IL (66 branches, 33 ZIPs) (#4382), Hamilton County, TN (64 branches, 32 ZIPs) (#4382), Livingston County, IL (58 branches, 29 ZIPs) (#4382), Vermilion County, IL (135 branches, 27 ZIPs) (#4382).
First Financial Bank NA (#4382) reports $6.17 billion in total assets; First Financial Bank NA (#4382) equity $661.9 million (10.7% of First Financial Bank NA (#4382) assets); First Financial Bank NA (#4382) domestic deposits $4.85 billion; First Financial Bank NA (#4382) net income $43.5 million; First Financial Bank NA (#4382) return on assets 1.45%; First Financial Bank NA (#4382) return on equity 13.45%; First Financial Bank NA (#4382) net interest income $117.1 million; First Financial Bank NA (#4382) call report June 30, 2026.
First Financial Bank NA (#4382) noncurrent real-estate loans 0.05% of its book; First Financial Bank NA (#4382) commercial real estate 55.09%; First Financial Bank NA (#4382) residential 0.14%; First Financial Bank NA (#4382) net charge-offs on real estate 0.74%; First Financial Bank NA (#4382) multifamily charge-offs 0.01%; First Financial Bank NA (#4382) residential charge-offs 1.34%.
First Financial Bank NA (#4382) net interest margin 4.27% against an eight-quarter First Financial Bank NA (#4382) average of 4.07% (First Financial Bank NA (#4382) compression -0.21 points); First Financial Bank NA (#4382) real-estate loans 5.1% of equity; First Financial Bank NA (#4382) non-residential real estate 133.8% of equity; First Financial Bank NA (#4382) rate-exposure score 40/100, First Financial Bank NA (#4382) fixed-rate trap 40/100; First Financial Bank NA (#4382) risk type credit driven; First Financial Bank NA (#4382) rate regime rates elevated, First Financial Bank NA (#4382) snapshot October 19, 2026.
First Financial Bank NA (#4382) stress score moved from 60.2 on June 22, 2026 to 59 on October 19, 2026; First Financial Bank NA (#4382) ranged 59 to 60.2 over 116 snapshots.
First Financial Bank NA (#4382) alerts: 39 counties; top First Financial Bank NA (#4382) alert scores: Clinton County, IN 44 (moderate); Fulton County, IN 43 (moderate); Washington County, IN 39 (moderate); Benton County, IN 38 (moderate); Decatur County, IN 35 (low).