First Financial Bank


205 Main Ave
Aneta, ND 58212
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Financial Bank is an FDIC insured institution located in Aneta, ND. It was founded in 1934 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 15776
Date Established 1934
Assets $ 40.29 million
Loans $ 21.34 million
Deposits $ 36.16 million
Capital $ 3.98 million

For a more detailed analysis of First Financial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111


Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for First Financial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
2.684% 2.625%
0.75 points
$1,932 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Note to First Financial Bank
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First Financial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

First Financial Bank Locations

Financial Details

First Financial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Financial Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Financial Bank U.S. Bank Average
1.73% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, First Financial Bank had $78,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,978,000 in equity and $526,000 in loans loss reserves. That gives it a Texas Ratio of 1.73%.

Return on Equity
First Financial Bank U.S. Bank Average
6.45% 11.43%

First Financial Bank has a Return on Equity of 6.45% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Financial Bank U.S. Bank Average
9.87% 11.51%

First Financial Bank has a Capitalization of 9.87% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Financial Bank Balance Sheet Analysis

As of March 31, 2017, First Financial Bank had assets of $40,287,000, loans of $21,343,000, and deposits of $36,161,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 21.34 million
Loan loss allowance $ 0.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 36.16 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 40.29 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Financial Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in North Dakota, First Financial Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.47
Credit Card Loans 0.25
Consumer Auto Loans 0.80
Small Business Loans 1.17
Construction and Development Loans 0.00
Commercial Real Estate 1.17
Commercial and Industrial Loans 20.40
Farm Loans 50.85

Frequently Asked Questions About First Financial Bank

Branches and Savings

Is First Financial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15776.

Why does First Financial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Financial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Financial Bank a commercial bank?


Where are First Financial Bank locations?

See branch locations nearby.

Is First Financial Bank open on Saturdays?

Is First Financial Bank open on Sundays?

What time does First Financial Bank open?

What time does First Financial Bank close?

Are First Financial Bank ATMs Open 24/7?

Do First Financial Bank ATMs accept cash deposits?

Can First Financial Bank customers use other ATMs?

Do First Financial Bank branches have notaries?

Will First Financial Bank notarize my document?

What address for First Financial Bank should I put for incoming ACH transfers?

Will the First Financial Bank branch print checks?

Do First Financial Bank checks expire?

Does First Financial Bank require US citizenship to open account?

Can First Financial Bank close my account?

Does First Financial Bank Report to credit bureaus?

Does First Financial Bank Use Equifax?

What is First Financial Bank's ACH Routing Number?

What is First Financial Bank's SWIFT code?


Does First Financial Bank offer mortgages?

Compare mortgage rates here.

Does First Financial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Financial Bank offer personal loans?

Compare personal loan rates here.

Does First Financial Bank offer student loans?

Will First Financial Bank cash a check?

Will First Financial Bank redeem a savings bond?

Does First Financial Bank cash savings bonds?

Will First Financial Bank cash money orders?

Can First Financial Bank issue a money order?

Does First Financial Bank do currency exchange?

Background on The Bank

Who owns First Financial Bank?

How long has First Financial Bank been around?

Can First Financial Bank transfer to other banks?

Does First Financial Bank have quick pay?

Does First Financial Bank accept rolled coins?

Will First Financial Bank accept loose change?

Where is First Financial Bank headquarters?

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