TellerScore

First Financial Bank, National Association is a national bank headquartered in Terre Haute, Indiana, in business for about 163 years. At the end of Q2 2026 it reported $6.2B in total assets and $4.9B in deposits, with 83 offices across 5 states.

First Financial Bank, National Association has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 37th. Problem-loan coverage contributes the most (92/100, 3.9%); funding & liquidity contributes the least (45/100, 91% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.36%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.61%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 91.1% · 36.4% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.94%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (72 → 68), mostly because the loan quality component weakened by 12 points.

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202467
Q4 202467
Q1 202572
Q2 202572
Q3 202570
Q4 202572
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.91%10.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.48%
Q3 202410.27%
Q4 202410.26%
Q1 202510.43%
Q2 202510.40%
Q3 202510.63%
Q4 202510.82%
Q1 202610.14%
Q2 202610.36%
Noncurrent loans
0.25%0.45%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.38%
Q4 20240.35%
Q1 20250.27%
Q2 20250.25%
Q3 20250.49%
Q4 20250.36%
Q1 20260.64%
Q2 20260.61%
Return on assets
0.88%1.17%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.95%
Q3 20240.88%
Q4 20240.98%
Q1 20251.38%
Q2 20251.38%
Q3 20251.42%
Q4 20251.46%
Q1 20261.37%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$6.2B10.36%0.61%1.45%91.1%
Q1 202667$6.1B10.14%0.64%1.37%89.9%
Q4 202572$5.7B10.82%0.36%1.46%87.7%
Q3 202570$5.7B10.63%0.49%1.42%84.6%
Q2 202572$5.6B10.40%0.25%1.38%82.2%
Q1 202572$5.5B10.43%0.27%1.38%81.9%
Q4 202467$5.6B10.26%0.35%0.98%80.3%
Q3 202467$5.5B10.27%0.38%0.88%77.6%
Q2 202467$4.9B10.48%0.50%0.95%75.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.36%
47th
Total risk-based capital13.63%
50th
Problem loans0.61%
43rd
Net charge-offs0.20%
20th
Return on assets1.45%
67th
Net interest margin4.27%
80th
Efficiency ratio56.8%
58th
Loans to deposits91.1%
37th
Uninsured deposits36.4%
36th
Loan-loss reserves1.14%
49th
Texas ratio3.9%
46th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
United Fidelity Bank, fsbBank Evansville, IN64 out of 100, Moderate$6.5B10.2%0.49%vs
Horizon BankBank Michigan City, IN72 out of 100, Strong$6.5B10.5%0.70%vs
First Internet Bank of IndianaBank Fishers, IN42 out of 100, Below average$5.5B7.6%1.56%vs
Lake City BankBank Warsaw, IN73 out of 100, Strong$7.2B11.9%0.36%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
First Farmers Bank & Trust Co.Bank Converse, IN67 out of 100, Moderate$3.5B10.1%1.00%vs

Deposit insurance

Is my money safe at First Financial Bank, National Association?

Yes. First Financial Bank, National Association is an FDIC-insured institution (FDIC certificate #4382). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.4% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.63% (benchmark: 10%).

Check how much of your own balance is covered

83 locations

Branches

First Financial Bank, National Association lists 78 offices in 61 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Financial Bank, National Association reported 2,594 home-loan applications under HMDA (LEI 549300E0S1LZYZ9QNX81): 1,646 originated ($357,620,000 total), 712 denied, and 122 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Financial Bank, National Association
Former names
Terre Haute First National Bank
Type
National bank
FDIC certificate #
4382
RSSD ID
693345
Primary regulator
OCC
Holding company
First Financial Corp
Established
August 3, 1863
Headquarters
1 First Financial Plz, Terre Haute, IN 47807
Employees
943

Quick answers

First Financial Bank, National Association: common questions

Is First Financial Bank, National Association FDIC insured?

Yes. First Financial Bank, National Association is an FDIC-insured institution (FDIC certificate #4382). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Financial Bank, National Association's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Financial Bank, National Association ever failed?

There is no failure record for FDIC certificate #4382 in the FDIC failed bank list.

How many branches does First Financial Bank, National Association have?

83 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Terre Haute

InstitutionScoreAssetsCapitalProblem loansCompare
Paris Hi-Way Credit UnionCredit union Paris, IL100 out of 100, Very strong$11.3M15.8%0.00%vs
CentreBankBank Veedersburg, IN90 out of 100, Very strong$120.0M17.2%0.33%vs
Advantageplus of Indiana Federal Credit UnionCredit union Terre Haute, IN87 out of 100, Very strong$43.9M20.8%0.64%vs
Indiana State University Federal Credit UnionCredit union Terre Haute, IN81 out of 100, Strong$139.9M13.5%0.48%vs
Western Indiana Credit UnionCredit union Sullivan, IN80 out of 100, Strong$48.7M12.6%0.15%vs
T H P Federal Credit UnionCredit union Terre Haute, IN74 out of 100, Strong$4.0M24.0%0.12%vs