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First Financial Bank
Bessemer, AL · FDIC Certificate #19440 · Chartered 05/1
Total assets
$248.10M
Total deposits
$237.36M
Total equity
$8.13M
Net loans
$131.88M
Branches (offices)
8
Net income (YTD)
$1.31M
Rank: #2,723 of 4,213 U.S. banks by assets · #54 of 93 in Alabama. Assets changed 2.5% and deposits 0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 35.39% |
| Net interest margin (YTD) | 3.93% |
| Equity to assets | 3.28% |
| Tier 1 leverage ratio | 10.69% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 1.52% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 55.6% |
| Real estate loans (share of loans) | 91.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $120.81M | 91.6% | |
| Commercial & industrial | $9.84M | 7.5% | |
| Consumer / individual | $2.59M | 2.0% | |
| Construction & development | $11.12M | 8.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $233.91M | $229.32M | $1.07M | $4.04M |
| Jun 2023 | $219.68M | $216.75M | $1.35M | $2.02M |
| Jun 2024 | $226.95M | $215.85M | $1.33M | $4.12M |
| Jun 2025 | $242.09M | $237.35M | $1.30M | $4.12M |
| Jun 2026 | $248.10M | $237.36M | $1.31M | $8.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $237.36M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $237.36M.
Similar-sized banks
Charlevoix State Bank ($248.31M) · Farmers Bank And Trust Company ($247.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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