First Financial Bank
El Dorado, Arkansas, Union County
$2.0B in total assets, the 611th largest of 4,309 US banks and 12th of 78 headquartered in Arkansas.
- FDIC certificate
- 28905
- Established
- 1934
- Owned by
- First Financial Banc Corp
- Primary regulator
- FED
- Website
- www.ffb1.com
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.0B | 63% | $1.6B | |
| Loans | $1.7B | 68% | $1.3B | |
| Deposits | $1.7B | 58% | $1.4B | |
| Return on assets | 2.01% | 95% | 1.23% | |
| Net interest margin | 4.39% | 84% | 4.01% | |
| Efficiency ratio | 54.9% | 26% | 57.5% | |
| Equity to assets | 11.35% | 63% | 9.57% | |
| Loans to deposits | 103% | 98% | 88% |
Growth
Total assets grew 5.6% a year over the last 5 years and 8.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2019 | The First National Bank of Wynne Wynne, AR | $344M |
| May 2006 | Cornerstone Bank Senatobia, MS | $44M |
Where they operate
17 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Union County, AR | $817M | 50.5% | 1 of 7 |
| Leake County, MS | $200M | 38.5% | 1 of 5 |
| Cross County, AR | $193M | 30.8% | 2 of 6 |
| Tate County, MS | $108M | 16.0% | 3 of 8 |
| Woodruff County, AR | $103M | 44.0% | 1 of 3 |
| Poinsett County, AR | $94M | 20.5% | 2 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (8 to 17, +112.5%). 3 opened, 7 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Opened Little RockClosed Little Rock | 2 | 1 | +1 | 9 |
| 2018 | Opened Mena | 1 | 0 | +1 | 10 |
| 2019 | Acquired The First National Bank of Wynne | 7 | 0 | +7 | 17 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 54% | 8% | |
| Commercial real estate | 14% | 30% | |
| Construction and land | 11% | 13% | |
| Business (C&I) | 9% | 14% | |
| 1-4 family residential | 6% | 23% | |
| Agricultural | 3% | 3% | |
| Consumer | 2% | 2% | |
| Multifamily | 1% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 52% | 34% | |
| Other interest-bearing | 34% | 48% | |
| Noninterest-bearing | 13% | 18% |
Brokered deposits are 6.9% of deposits (peers 6.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.61% | 0.39% |
| Net charge-offs, annualized | 0.21% | 0.08% |
| Reserves to loans | 1.06% | 1.29% |
| Leverage ratio | 11.15% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Union County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-financial-bank-el-dorado-ar