Side-by-side · Q2 2026 data
First Financial Bank vs Centennial Bank
Metric by metric
| Measure | First Financial Bank | Centennial Bank |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 66 | 76 (stronger) |
| Loan quality | 74 | 82 (stronger) |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 65 (stronger) | 40 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 91st | 94th |
| Total assets | $15.2B | $24.6B |
| Deposits / shares | $13.3B | $19.6B |
| Capital ratio | 11.61% | 12.61% (stronger) |
| Problem loans | 0.77% | 0.55% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.07% |
| Return on assets | 1.77% | 2.13% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 85.4% |
| Uninsured deposits | 44.7% (stronger) | 46.7% |
| Offices | 80 | 225 |
| CFPB complaints (3 yrs) | 26 | 55 |
| Complaints per $1B deposits | 2.0 (stronger) | 2.8 |
| Mortgage denial rate (HMDA) | 12.6% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 76). On the 8 directional measures above (where higher or lower is clearly better), First Financial Bank leads on 4 and Centennial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Abilene, TX
- Fort Worth, TX
- Hereford, TX