🏦Bank Scorer

FIRST FINANCIAL BANK

BESSEMER, AL · Supervised by FDIC

Est. 1965FDIC #19,440RSSD: FDIC-19440
Part ofFIRSTFED BCORP EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: January 2022

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

1

4.07 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

1630 4th Ave N, BESSEMER, AL

County

Jefferson County

Established

May 17, 1965

Total Assets

$246M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2022

Exam Type

Small Bank

Regulator

FDIC
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$246M

Total Deposits

$238M

Net Loans

$130M

Net Income

$668K

ROA

1.09%

ROE

38.10%

Risk-Based Capital

16.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Complaints / $B4.07Peer avg: 411.37▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$237M

1-Year Change

0

Consumer Complaints

CFPB · through Apr 2026

Last 12 Months

1

All Time

6

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Checking or savings account· 4.07 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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