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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

First Financial Bank

El Dorado, Arkansas · $2.04B in assets · beside the 11 other Arkansas banks between $1B and $3B

The filing

103.2%
Loans / deposits
12th of 12
3.64%
NPA / loans
12th of 12
16.6%
CRE / loans
1st of 12

First Financial Bank is the third largest of the 12 Arkansas banks nearest its size between $1B and $3B, with $2.04B in assets at 30 June 2026. Loans are 103.2% of deposits, the highest in the cohort against a median of 92.3%, and equity is 11.4% of assets, 6th of 12. Loans grew +13.8% in the year, 3rd of 12, and deposits grew 9.4%; the cohort's median loan growth is +7.0%.

Noncurrent loans are 3.64% of the book, the highest in the cohort against a median of 0.38%; 2.28% is 30 to 89 days past due, and the allowance covers them 0.3 times. Net charge-offs are 0.20% of loans, the highest in the cohort. Commercial real estate is 16.6% of loans, the lowest in the cohort against a median of 34.1%, and 132% of capital, below the 300% screen, with construction at 85% against the 100% screen. CRE has grown +99.1% over 36 months, past the guidance's 50% prong.

Return on assets is 2.16%, the highest in the cohort against a median of 1.42%, on an efficiency ratio of 55.3%, 5th of 12. Five years ago it was 1.61%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Commercial real estate, share of loansAR banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 34.1% FF First Financial Bank 16.6% FB FM Bank & Trust 17.1% EB Evolve Bank & Trust 18.8% AB Anstaff Bank 28.6% CB Citizens Bank 33.3% LB Legacy Bank 33.6% FM Farmers & Merchants Bank 34.6% FN First National Bank 35.6% SB Signature Bank of Arkansas 38.5% FN First National Bank of Fort Smith 47.5% RB Relyance Bank 47.9% CB Chambers Bank 55.1%
Loans, year over yearAR banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.0% FB FM Bank & Trust +140.8% LB Legacy Bank +16.8% FF First Financial Bank +13.8% SB Signature Bank of Arkansas +12.0% AB Anstaff Bank +11.0% CB Chambers Bank +8.2% FM Farmers & Merchants Bank +5.9% FN First National Bank +5.5% CB Citizens Bank +4.9% FN First National Bank of Fort Smith -0.1% RB Relyance Bank -3.5% EB Evolve Bank & Trust -5.3%

SBA 7(a), FY2008 to FY2026

First Financial Bank is the 25th largest 7(a) lender into Texas of 706, with $390M across 346 loans, 0.9% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 423 of its 704 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Leake, MS$72M1st of 1456.2%+30.1 pts
Robertson, TX$66M1st of 1573.8%-29.9 pts
Shelby, TX$52M1st of 2151.2%-30.5 pts
Union, LA$50M1st of 1486.0%+2.4 pts
Leon, TX$39M1st of 1648.2%-13.6 pts
Sussex, DE$39M1st of 5816.8%+2.2 pts
Washington, AR$37M2nd of 9211.6%-6.6 pts
Polk, AR$34M1st of 1179.3%-38.4 pts
Benton, AR$32M2nd of 907.8%+1.9 pts
Neshoba, MS$32M1st of 1939.0%+5.9 pts
Palm Beach, FL$32M17th of 1951.3%-0.9 pts
Nacogdoches, TX$31M1st of 3523.7%-9.9 pts
Gordon, GA$30M3rd of 4413.9%quiet FY2018
691 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Agriculture, forestry & fishing3,098$1.92B72.2%23.68%1st of 1,007
Retail trade483$471M17.7%0.77%23rd of 2,589
Other services111$125M4.7%0.36%59th of 2,248
Transportation & warehousing24$43M1.6%0.33%55th of 1,563
Professional & technical services52$42M1.6%0.13%106th of 1,955
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First Financial Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FF First Financial Bank 0.9% $390M · 346 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, First Financial Bank among them; owner-occupied excluded; bold marks a screen met
First Financial BankRankCohort median
Total CRE against capital, the 300% screen132%2nd of 12256%
Construction against capital, the 100% screen85%6th of 1286%
Construction and land development, share of loans10.7%6th of 1211.5%
Non-owner-occupied nonfarm nonresidential, share of loans5.4%1st of 1216.7%
Total CRE, the guidance definition, share of loans16.6%1st of 1234.1%
CRE growth over 36 months, the third prong+99.1%11th of 12+25.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank$2.59B1.2%57.9%0.19%-0.01%1.7%99.5%11.6%
First National Bank of Fort Smith$2.31B2.0%47.9%0.44%0.03%1.4%78.5%12.3%
First Financial Bank$2.04B2.2%55.3%3.64%0.20%1.1%103.2%11.4%
Farmers & Merchants Bank$2.02B1.1%64.6%0.39%0.01%1.3%83.3%11.2%
Signature Bank of Arkansas$1.63B1.1%61.9%0.04%0.01%1.2%94.4%9.3%
Citizens Bank$1.62B1.5%48.2%0.37%0.08%1.5%86.5%9.0%
Chambers Bank$1.59B1.7%58.1%0.23%0.02%1.1%87.6%12.8%
Relyance Bank$1.43B1.2%61.6%0.40%0.02%1.2%92.9%13.6%
FM Bank & Trust$1.36B1.9%48.6%0.52%0.08%1.5%93.3%7.9%
Legacy Bank$1.27B1.4%55.9%0.10%-0.01%1.3%94.9%9.0%
Evolve Bank & Trust$1.19B-0.1%105.4%1.88%0.19%1.3%91.7%13.6%
Anstaff Bank$1.18B1.9%52.8%0.14%0.03%1.2%86.3%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Financial BankCohort median
20212026Change20212026Change
Loans$925M$1.73B+87%$841M$1.21B+44%
Deposits$1.28B$1.68B+31%$932M$1.38B+48%
NPA / loans4.16%3.64%-0.52 pts0.32%0.38%+0.06 pts
Efficiency67.1%55.3%-11.8 pts63.4%56.9%-6.5 pts
ROA1.61%2.16%+0.55 pts1.25%1.42%+0.18 pts

This read was prepared for First Financial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Financial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AR banks $1B to $3B
Institution www.ffb1.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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