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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bessemer, AL · FDIC certificate #19440
FIRST FINANCIAL BANK is an FDIC-insured institution based in Bessemer, AL (FDIC certificate #19440). In its Q3 2026 Call Report it reported total assets of $246M, total deposits of $241M and net loans of $129M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST FINANCIAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $248M in Q2 2026 and were lowest at $246M in Q1 2026.
Total deposits were highest at $241M in Q3 2026 and lowest at $237M in Q2 2026.
Over the whole period total assets rose 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $246M | $241M | $129M | 1.05% | 39.49% | 3.95% |
| Q2 2026 | $248M | $237M | $132M | 1.06% | 35.39% | 3.93% |
| Q1 2026 | $246M | $238M | $130M | 1.09% | 38.10% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.1M | $21.5M | -$1.4M | -6.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $70.0M | $69.5M | +$424K | +0.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $131.9M | $130.1M | +$1.8M | +1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.4M | $7.3M | +$1.1M | +14.4% |
| Other real estate owned | $67K | $67K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $17.7M | $17.1M | +$610K | +3.6% |
| Total assets | $248.1M | $245.6M | +$2.5M | +1.0% |
| Liabilities | ||||
| Total deposits | $237.4M | $238.3M | -$940K | -0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.0M | $0K | +$2.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $606K | $558K | +$48K | +8.6% |
| Total liabilities | $240.0M | $238.9M | +$1.1M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $9.2M | $9.2M | $0K | 0.0% |
| Retained earnings | $16.9M | $16.2M | +$639K | +3.9% |
| Accumulated other comprehensive income | -$18.0M | -$18.7M | +$733K | +3.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $8.1M | $6.8M | +$1.4M | +20.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.1M | $1.9M | +$203K | +10.8% |
| Adjusted nonperforming assets | $2.1M | $1.9M | +$203K | +10.8% |
| Tangible equity plus allowance | $9.5M | $8.1M | +$1.4M | +16.9% |
| Texas ratio (gross) | 22.03% | 23.24% | -1.22 pts | See points |
| Texas ratio (adjusted) | 22.03% | 23.24% | -1.22 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 22.07% | 23.37% | -1.30 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.12% | 15.24% | -0.12 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.12% | 15.24% | -0.12 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.82% | 0.85% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.94% | 16.09% | -0.14 pts | See points |
| Tier 1 leverage (approximate) | 10.69% | 10.34% | +0.35 pts | See points |
| Construction and land loans to total capital | 40.44% | 44.03% | -3.59 pts | See points |
| Commercial real estate to total capital | 88.15% | 93.41% | -5.26 pts | See points |
| Dividend payout, year to date | 38.26% | 74.85% | -36.59 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -73.61% | -78.54% | +4.93 pts | See points |
| Liquidity | ||||
| Core deposits | $221.9M | $223.2M | -$1.3M | -0.6% |
| Non-core funding | $17.5M | $15.1M | +$2.4M | +15.6% |
| Loans to core deposits | 60.05% | 58.90% | +1.15 pts | See points |
| Loans to deposits | 56.13% | 55.16% | +0.97 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 86.98% | 86.70% | +0.27 pts | See points |
| Loans pledged, share of loans | 29.60% | 30.19% | -0.60 pts | See points |
| Volatile liabilities | $17.5M | $15.1M | +$2.4M | +15.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $699K | +$670K | +95.9% |
| Earnings before provision, single quarter | $670K | $699K | -$29K | -4.1% |
| Provision for credit losses, year to date | $14K | $7K | +$7K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.67% | 5.66% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.55% | 3.58% | -0.03 pts | See points |
| Total interest income to average assets | 4.31% | 4.29% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 1.50% | 1.42% | +0.08 pts | See points |
| Cost of savings and money market deposits | 0.48% | 0.53% | -0.05 pts | See points |
| Cost of time deposits | 2.67% | 2.73% | -0.06 pts | See points |
| Total interest expense to average assets | 0.93% | 0.92% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $246M | $241M | $129M | 1.05% | 39.49% | 3.95% |
| 2026-06-30 | $248M | $237M | $132M | 1.06% | 35.39% | 3.93% |
| 2026-03-31 | $246M | $238M | $130M | 1.09% | 38.10% | 3.94% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $237.4M | 0.17% | 73 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.