First Financial Bank, National Association

Overview / Commentary
400 Pine Street
Abilene, TX 79601

First Financial Bank, National Association is headquartered in ABILENE and is the 11th largest bank in the state of Texas. It is also the 136th largest bank in the nation. It was established in 1889 and as of December of 2023, it had grown to 1,398 employees at 83 locations. First Financial Bank, National Association has an A health rating.

Reviews (2)

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.


Health Grade Components

FDIC Certificate #3066
Year Established1889
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD15.43%
Annual Interest Income$526.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$13.05B$12.92B
LoansQ4 2023vs Q4 2022$7.07B$6.38B
DepositsQ4 2023vs Q4 2022$11.29B$11.13B
Equity CapitalQ4 2023vs Q4 2022$1.32B$1.12B
Loan Loss AllowanceQ4 2023vs Q4 2022$88.7MM$75.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$34.6MM$24.3MM
Real Estate OwnedQ4 2023vs Q4 2022$483K$0

Sorry, we do not have rate data for First Financial Bank, National Association.



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