First Financial Bank, National Association
First Financial Bank, National Association is headquartered in Abilene and is the 10th largest bank in the state of Texas. It is also the 144th largest bank in the nation. It was established in 1889 and as of December of 2020, it had grown to 1,302 employees at 82 locations. First Financial Bank, National Association has an A+ health rating.
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Main Stephenville Branch
I have had multiple accounts with First Financial for 15 years plus. I've never had any problems with any branch in Weatherford (where I opened my accounts). I moved to Stephenville, Texas two years ago and for some reason there is not ONE person that greats you with a smile and willing to help you at the Main Branch. Everyone there seems moody and like you are bothering them because they have to wait on you, that includes the manager there too. Everyone there seems SO miserable in life... I'm almost to the point of moving all my accounts to another bank because it is so bad at that branch. It's so disappointing because I've always loved First Financial and was always greeted with a smile at every branch in Weatherford or Fort Worth. Hopefully the main office addresses the situation there soon, before I get enough and move banks. So disappointing.
Local Decisions
This bank has extremely friendly customer service and bankers who genuinely seem to want to get to know you. All of their decisions are made locally (if you're looking to get fees waived or exceptions made). Fees are typically average or slightly lower than comparable banks' fees. The disadvantage to local banks is that it makes it difficult to get banking done when you travel to other areas. Sometimes, if you're able to get in touch with a manager, you can get processes expedited, while other times there is simply nothing that they can do for you if you are far away and need certain banking things done. The mobile app is hit or miss based on their reviews for it - while I have never had any problems using it, many people seem to have issues from time to time. The online banking and website are not as easy to navigate as some banks' and this bank has only very recently begun to allow ACH transfers to other banks through online banking.
Data as of Q4 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3066 |
| Year Established | 1889 |
| Employees | 1302 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.98% |
| Return on Equity - YTD | 14.07% |
| Annual Interest Income | $363.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $10.87B$8.23B |
| Loans | Q4 2020vs Q4 2019 | $5.19B$4.17B |
| Deposits | Q4 2020vs Q4 2019 | $8.82B$6.73B |
| Equity Capital | Q4 2020vs Q4 2019 | $1.53B$1.08B |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $66.5MM$52.5MM |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $42.7MM$24.7MM |
| Real Estate Owned | Q4 2020vs Q4 2019 | $119.00K$982.00K |
