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214 North Washington Street
El Dorado, AR 71730

First Financial Bank (AR) is headquartered in El Dorado and is the 9th largest bank in the state of Arkansas. It is also the 778th largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 261 employees at 10 locations. First Financial Bank (AR)'s savings rates are 92% higher than the national average, and it has a B+ health rating.

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FFB1 Not Available

I tried signing up for this one and the response after completing the entire process was "We are currently not accepting applications outside of our existing market areas".  So this shouldn't be listed as nationally available.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Financial Bank (AR) had $14.75 million in non-current loans and owned real-estate with $98.05 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank (AR) a Texas Ratio of 15.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Financial Bank (AR) experienced no significant changes from 13.06% as of December 31, 2012 to 15.04% as of December 31, 2013, resulting in a negative change of 15.14%. This indicates that the balance sheet and financial strength for First Financial Bank (AR) has had no significant changes in recent periods.

Deposit Growth


In the past year, First Financial Bank (AR) has increased its total deposits by $26.12 million, resulting in 4.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Financial Bank (AR) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Financial Bank (AR) has $855.99 million in assets with $98.05 million in equity, resulting in a capitalization level of 11.45%, which is excellent.

Institution Statistics

FDIC Certificate #28905
Year Established1934
Primary RegulatorFED
Assets and Liabilities
Assets$855.99 million
Loans$672.96 million
Deposits$643.15 million
Equity Capital$89.67 million
Loan Loss Allowance$8.38 million
Unbacked Noncurrent Loans$4.03 million
Real Estate Owned$10.72 million
Historic Data - December 2012
Assets$821.58 million
Equity Capital$82.13 million
Loan Loss Allowance$9.05 million
Unbacked Noncurrent Loans$4.03 million
Real Estate Owned$4.64 million
Profit Margin - Quarterly
Net Interest Margin4.3%
Return on Assets2.84%
Return on Equity27.61%
Interest Income$41.20 million
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First Financial Bank (AR) Savings Account Rates

1.00%-$50kKasasa Saver
0.05%--Kasasa Saver

First Financial Bank (AR) Checking Account Rates

3.00%-$15kKasasa Cash
0.05%--Kasasa Cash

First Financial Bank (AR) Locations
122 West Seventh Street Branch122 West Seventh StreetSmackover, AR 71762
Washington Street Branch214 North WashingtonEl Dorado, AR 71730
First Financial Bank214 North Washington StreetEl Dorado, AR 71730
El Dorado Branch2202 North West AvenueEl Dorado, AR 71730
East Main Branch2300 East MainEl Dorado, AR 71730
318 Griffith Street Branch318 Griffith StreetEl Dorado, AR 71730
Timberlane Branch500 TimberlaneEl Dorado, AR 71730
Carthage Bank Branch510 Hwy 35 SCarthage, MS 39051
Senatobia Branch700 N Robinson StSenatobia, MS 38668