First Financial Bank

Established in 1965

About First Financial Bank

First Financial Bank was established on 1965. The bank's headquarters are located at 1630 4th Avenue North in Bessemer, Alabama.

First Financial Bank is an FDIC insured bank with FDIC number 19440 managing assets to the value of $208,378 as of 12/31/2020.

First Financial Bank has a Texas ratio of 2.64%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.

About the Bank

2.64%
Texas Ratio
FDIC Certificate #

19440

Active Insured Since #

Financial Profile

Dollar figures in thousands (000's)

As of 12/31/2020
Total Assets $208,378
Equity Capital $19,494
Total Deposits $188,243
Total Liabilities $188,884
Total Securities $61,723
Net Loans And Leases $91,397
Loan Loss Allowance $841
Total Loans And Leases $92,238
YTD (as of 12/31/2020)
Return On Assets 1.72%
Return On Equity 19.00%
Total Interest Income $6,152
Total Interest Expense $273
Total Non Interest Income $3,707
Total Non Interest Expense $7,167

Headquarters

1630 4th Avenue North 35020, Bessemer

First Financial Bank branches near me

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Total Loans and Leases Statistics

Total Loans and Leases $92,238 In thousands (000's) * All data provided by fdic.gov updated 12/31/2020

First Financial Bank Mortgage Loans Profile

Classic Bank

53.75%

Application Approval Rate

Classic Bank

$85,930

Average Mortgage Loan Amount

Classic Bank

80

Number of Loan Applications

Classic Bank

$101,875

Average Income of Applicants with Approved Loans

Classic Bank

2.57%

Average Cost of Loans

Classic Bank

32.06%

Average Debt to Income Ratio

* All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated 12/31/2019

Distribution of Mortgage Loans

Top Counties by Number of Mortgage Loan Applications

1 Jefferson

Number of Loan Applications
47
Average Loan Amount
$90,000
Approval Rate
55.32%
Average Income of Approved Loans’ Applicants
$120,920

2 Bibb

Number of Loan Applications
13
Average Loan Amount
$76,111
Approval Rate
69.23%
Average Income of Approved Loans’ Applicants
$87,250

3 Tuscaloosa

Number of Loan Applications
12
Average Loan Amount
$27,000
Approval Rate
41.67%
Average Income of Approved Loans’ Applicants
$42,800

4 Shelby

Number of Loan Applications
5
Average Loan Amount
$255,000
Approval Rate
40.00%
Average Income of Approved Loans’ Applicants
$92,000

5 St Clair

Number of Loan Applications
1
Average Loan Amount
$0
Approval Rate
0.00%
Average Income of Approved Loans’ Applicants
$0

6 Blount

Number of Loan Applications
1
Average Loan Amount
$0
Approval Rate
0.00%
Average Income of Approved Loans’ Applicants
$0

Top States by Number of Mortgage Loan Applications

1 Alabama

Number of Loan Applications
80
Average Loan Amount
$85,930
Approval Rate
53.75%
Average Income of Approved Loans’ Applicants
$101,875