First Financial Bank (Terre Haute, IN)
First Financial Bank (Terre Haute, IN) reported total assets of $6.2 bn at Q2 2026, up 10.3% on a year earlier, the 241st largest of 497 banks in our US coverage. The CET1 capital ratio at First Financial Bank (Terre Haute, IN) was 12.62%. First Financial Bank (Terre Haute, IN) held deposits of $4.9 bn. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, First Financial Bank (Terre Haute, IN) slipped from 107th to 250th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , First Financial Bank (Terre Haute, IN) has taken over 5 institutions; the latest was CedarStone Bank on (FDIC Call Reports).
What sets First Financial Bank (Terre Haute, IN) apart
How large is First Financial Bank (Terre Haute, IN)?
The balance sheet of First Financial Bank (Terre Haute, IN) at : assets $6.2 bn, deposits $4.9 bn, net loans $4.4 bn (loans equal to 91.06% of deposits). Securities make up 18.9% of total assets at First Financial Bank (Terre Haute, IN). Since , when First Financial Bank (Terre Haute, IN) held $2.8 bn, its assets grew 116.7%. In the year to , deposits at First Financial Bank (Terre Haute, IN) rose 3.5% while its total assets rose 10.3%. At , First Financial Bank (Terre Haute, IN) employed 943 full-time equivalent staff across 83 offices, about $6.5 mn of assets per employee and $58.4 mn of deposits per office.
How much funding at First Financial Bank (Terre Haute, IN) is uninsured?
At First Financial Bank (Terre Haute, IN), uninsured deposits (above the FDIC limit) made up 36.41% of domestic deposits at (-0.80 pp on a year earlier); First Financial Bank (Terre Haute, IN) ranks 238th of 500 on this measure. In dollars, First Financial Bank (Terre Haute, IN) estimated $1.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.9 bn | +3.5% | 255th of 499 |
| Net loans and leases | $4.4 bn | +14.7% | 239th of 500 |
| Loan-to-deposit ratio | 91.06% | +8.91 pp | 172nd of 500 |
| Tier 1 leverage ratio | 10.36% | -0.04 pp | 245th of 500 |
| Total risk-based capital ratio | 13.63% | -0.21 pp | 291st of 448 |
| Net interest margin | 4.27% | +0.14 pp | 90th of 500 |
| Return on assets (ROA) | 1.45% | +0.07 pp | 173rd of 500 |
| Efficiency ratio | 56.84% | +0.50 pp | 264th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $114.1 mn | Narrowed by $33.2 mn | |
| Noncurrent loans to total loans | 0.61% | +0.35 pp | 250th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.20% | +0.01 pp | 344th of 500 (1 = lowest) |
US rank of First Financial Bank (Terre Haute, IN): 1 = highest unless marked 1 = lowest.
Balance sheet
First Financial Bank (Terre Haute, IN): assets, deposits and loans
- Total assets $6.2bn
- Deposits $4.9bn
- Net loans $4.4bn
Capital and securities
The CET1 ratio of First Financial Bank (Terre Haute, IN) stood at 12.62% in , -0.18 pp year on year. Low and high at First Financial Bank (Terre Haute, IN) since : 11.72% () to 18.06% (). Equity capital of First Financial Bank (Terre Haute, IN) at : $661.9 mn, or 10.7% of total assets. First Financial Bank (Terre Haute, IN) also reported a total capital ratio of 13.63% for , and a tier 1 leverage ratio of 10.36%.
The available-for-sale portfolio of First Financial Bank (Terre Haute, IN) showed an unrealized loss of $114.1 mn at ; the loss narrowed by $33.2 mn over the year.
First Financial Bank (Terre Haute, IN): capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
First Financial Bank (Terre Haute, IN): unrealized securities gains and losses
- Available for sale -$114mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Financial Bank (Terre Haute, IN) earned a return on equity of 13.45%; return on assets: 1.45%. Net interest margin at First Financial Bank (Terre Haute, IN): 4.27%, +0.14 pp in a year. First Financial Bank (Terre Haute, IN) net income: $43.5 mn, up 13.8% year on year. The efficiency ratio of First Financial Bank (Terre Haute, IN) was 56.84%: about 57 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.61% of total loans at First Financial Bank (Terre Haute, IN); net charge-offs: 0.20% of average loans. Gross loans and leases at First Financial Bank (Terre Haute, IN): $4.5 bn, up 14.7% in a year.
First Financial Bank (Terre Haute, IN): profitability
- Return on equity 13%
- Net interest margin 4.3%
- Return on assets 1.4%
Peer group of First Financial Bank (Terre Haute, IN)
The peer group of First Financial Bank (Terre Haute, IN) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of First Financial Bank (Terre Haute, IN) (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Indiana. Against them, First Financial Bank (Terre Haute, IN) shows CET1 ratio 12.62% against a peer median of 12.54%, return on equity 13.45% against a peer median of 13.31% and uninsured deposit share 36.41% against a peer median of 30.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Five Star Bank | State member bank | NY | $6.3 bn | 12.72% | 13.29% | 46.41% | |
| Mercantile Bank | State nonmember bank | MI | $6.2 bn | 12.59% | 13.90% | 57.50% | |
| First International Bank & Trust | State nonmember bank | ND | $6.2 bn | 10.68% | 14.47% | 38.89% | |
| First Financial Bank | National bank | IN | $6.2 bn | 12.62% | 13.45% | 36.41% | |
| Middlesex Savings Bank | State nonmember bank | MA | $6.1 bn | 18.24% | 5.57% | 22.40% | |
| Shore United Bank | National bank | MD | $6.1 bn | 12.31% | 12.02% | 17.98% | |
| CFG Bank | State nonmember bank | MD | $6.1 bn | 12.50% | 13.33% | 14.69% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Financial Bank (Terre Haute, IN), to : assets +12.7%, deposits +2.6%, equity +15.3%. Staff 927 to 943; offices 84 to 83.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.5 bn | $5.6 bn | $5.5 bn | $5.6 bn | $5.7 bn | $5.7 bn | $6.1 bn | $6.2 bn |
| Total deposits | $4.7 bn | $4.7 bn | $4.7 bn | $4.7 bn | $4.6 bn | $4.6 bn | $4.9 bn | $4.9 bn |
| Bank equity capital | $574.2 mn | $556.5 mn | $576.0 mn | $577.7 mn | $612.7 mn | $640.6 mn | $640.0 mn | $661.9 mn |
| CET1 ratio | 12.63% | 12.76% | 12.95% | 12.80% | 13.05% | 13.11% | 12.32% | 12.62% |
| Return on equity (ROE) | 8.80% | 9.78% | 13.48% | 13.43% | 13.68% | 13.81% | 12.68% | 13.45% |
| Uninsured share of domestic deposits | 37.25% | 36.85% | 35.35% | 37.22% | 36.44% | 35.70% | 34.22% | 36.41% |
| Full-time equivalent employees | 927 | 937 | 938 | 937 | 946 | 946 | 939 | 943 |
| Number of offices | 84 | 84 | 84 | 84 | 80 | 80 | 83 | 83 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Financial Bank (Terre Haute, IN), oldest first; figures before and after each event are not like for like.
- . Absorbed Heritage Bank USA, Inc. (FDIC certificate 30090).
- . Absorbed Hancock Bank & Trust Company (FDIC certificate 8128).
- . Absorbed The Morris Plan Company of Terre Haute, Inc. (FDIC certificate 32907).
- . Absorbed SimplyBank. (FDIC certificate 10693).
- . Absorbed CedarStone Bank (FDIC certificate 57684).
Large one-quarter moves at First Financial Bank (Terre Haute, IN)
- Total assets at First Financial Bank (Terre Haute, IN) changed by +31.0% in the quarter to 2019-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Heritage Bank USA, Inc..
Questions and identifiers
What were the total assets of First Financial Bank (Terre Haute, IN)?
First Financial Bank (Terre Haute, IN) reported $6.2 bn at in its Call Report. That makes First Financial Bank (Terre Haute, IN) the 241st largest of 497 banks in our US coverage.
Is First Financial Bank (Terre Haute, IN) the same as its holding company?
No. This page covers First Financial Bank (Terre Haute, IN), FDIC certificate 4382; FIRST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Financial Bank (Terre Haute, IN) profitable?
First Financial Bank (Terre Haute, IN) reported net income of $43.5 mn for the year to ; annualized return on equity: 13.45%. So yes: First Financial Bank (Terre Haute, IN) made a profit over these months.
When is data for First Financial Bank (Terre Haute, IN) next updated?
Figures from First Financial Bank (Terre Haute, IN) for are due after .
Where can I check the figures for First Financial Bank (Terre Haute, IN)?
In the FDIC BankFind Suite record for certificate 4382, and in the Call Reports of First Financial Bank (Terre Haute, IN) (RSSD ID 693345) at the FFIEC Central Data Repository.