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First Financial Bank (AR)

First Financial Bank (AR) Locations
214 North Washington Street
El Dorado, AR 71730
www.ffb1.com

FDIC

First Financial Bank (AR) is headquartered in El Dorado and is the 12st largest bank in the state of Arkansas. It is also the 792nd largest bank in the nation. It was established in 1934 and as of March of 2013, it had grown to 262 employees at 10 locations. First Financial Bank (AR)'s savings rates are 92% higher than the national average, and it has a 4-star health rating.

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They also have a Kasasa Saver Savings Account with (1%, up to $50K).  No direct-deposit/ACH requirement, either.  https://www.ffb1.com/ It seems to be nation-wide (can be opened online), credit due to Lorymills1 at FWF. I am sure that this



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See Rates for: Checking | Savings

First Financial Bank (AR) Checking Account Rates

ApyMinMaxProduct
3.00%-$15kKasasa Cash

First Financial Bank (AR) Savings Account Rates

ApyMinMaxProduct
1.00%-$50kKasasa Saver

Rates updated: 6/17/2013

Data for Q1 2013


Institution Statistics


First Financial Bank
FDIC Certificate #28905
BankRate ReportView
Year Established1934
Employees262
Primary RegulatorFED

Assets and Liabilities

Assets$839.68 million
Loans$671.95 million
Deposits$634.35 million
Equity Capital$84.22 million
Loan Loss Allowance$9.13 million
Unbacked Noncurrent Loans$3.33 million
Real Estate Owned$4.53 million

Historic Data - March 2012

Assets$799.72 million
Equity Capital$74.51 million
Loan Loss Allowance$8.86 million
Unbacked Noncurrent Loans$3.17 million
Real Estate Owned$3.58 million

Profit Margin - Quarterly

Net Interest Margin4.28%
Return on Assets3.19%
Return on Equity31.89%
Interest Income$10.15 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 March 31, 2013 First Financial Bank (AR) had $7.85 million in non-current loans and owned real-estate with $93.35 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank (AR) a Texas Ratio of 8.41% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for First Financial Bank (AR) held steady from 8.56% as of March 31, 2012 to 8.41% as of March 31, 2013, resulting in a positive change of 1.70%.This indicates that the balance sheet and financial strength for First Financial Bank (AR) has held steady in recent periods.
Deposit Growth4
In the past year, First Financial Bank (AR) has increased its total deposits by $23.31 million, resulting in 3.81% 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 above average.
Capitalization4
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 $839.68 million in assets with $93.35 million in equity, resulting in a capitalization level of 11.12%, which is above average.
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FFB1 Not Available
1 stars - Barmstro - Wednesday, April 3, 2013 - 2:33 PM

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.

6
 
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