FIRST FINANCIAL BANK, NATIONAL ASSOCIATION

ABILENE, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1889FDIC #3,066

Satisfactory Same

Current rating · Exam: August 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.77%

Institution Profile

FDIC BankFind

Website

www.ffin.com/

Address

400 Pine St, ABILENE, TX

County

Taylor County

Established

January 1, 1889

Total Assets

$15.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 24, 2020

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$15.3B

Total Deposits

$13.4B

Net Loans

$8.2B

Net Income

$68M

ROA

1.77%

Above avg for Regional banks. Peer avg: 0.88%

ROE

15.53%

Risk-Based Capital

19.46%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA1.77%Peer avg: 0.88%▲ Above avg

Risk-Based Capital19.46%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate22.16%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$12.6B

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	17,409	67.56%	22.16%
2022	19,054	69.85%	19.08%
2021	24,307	72.8%	14.99%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2020	Satisfactory	Large Bank
Jul 2017	Satisfactory	Large Bank
Jul 2014	Satisfactory	Large Bank

6 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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