Institution Statistics
| First Financial Bank, National Association | | FDIC Certificate # | 6600 | | BankRate Report | View | | Year Established | 1863 | | Employees | 1513 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $6.41 billion | | Loans | $3.88 billion | | Deposits | $5.51 billion | | Equity Capital | $574.47 million | | Loan Loss Allowance | $95.59 million | | Unbacked Noncurrent Loans | $271.38 million | | Real Estate Owned | $15.04 million |
Historic Data - March 2011 | | Assets | $6.30 billion | | Equity Capital | $566.35 million | | Loan Loss Allowance | $84.99 million | | Unbacked Noncurrent Loans | $287.97 million | | Real Estate Owned | $14.95 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.7% | | Return on Assets | 1.11% | | Return on Equity | 12.65% | | Interest Income | $75.08 million |
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Institution Health
Overall Score:
3 out of 5 
| 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 March 31, 2012 First Financial Bank, National Association (OH) had $286.42 million in non-current loans and owned real-estate with $670.07 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank, National Association (OH) a Texas Ratio of 42.74% which is below 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, National Association (OH) held steady from 46.55% as of March 31, 2011 to 42.74% as of March 31, 2012, resulting in a positive change of 8.18%.This indicates that the balance sheet and financial strength for First Financial Bank, National Association (OH) has held steady in recent periods. | | Deposit Growth |  | | In the past year, First Financial Bank, National Association (OH) has increased its total deposits by $175.37 million, resulting in 3.28% 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, National Association (OH) has shown is above average. | | Capitalization | | | 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, National Association (OH) has $6.41 billion in assets with $670.07 million in equity, resulting in a capitalization level of 10.46%, which is above average. |
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Average User Rating:
Totally Unimpressed!
As happens with most banks, my bank, Flagstar, was purchased by First here in Indiana. I have had NOTHING but problems with them, including most recently, they were not showing any direct deposits in my acocunts for hours to DAYS after the fact. These deposits were from my employer, a very large organization, and I have NEVER had a problem before. I think what was finally the last straw from me happened this morning when I called to inquire about my deposit still not being available, and they listened to my entire speil before the customer service rep finally said, "Well, we're not actually even OPEN right now, so call back in 25 minutes or so and we'll look it up for you." Seriously??? Why even answer the phone?
Over it. Definitely time to switch banks. Oh, and btw, their website is amateur-looking and poorly designed. Looks like a mom-and-pop-one-branch kind of bank, rather than a regional contender.