First Financial Bank

Headquarters: El Dorado, Arkansas
Charter: Bank
Assets: $2.0B
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: First Financial Banc Corp.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for First Financial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Financial Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Financial Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $832K in Q2 2026, 3.9% above the same quarter a year earlier ($801K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Financial Bank: $32
First Financial Bank: $32
U.S. median: no median
NSF / Returned Item
First Financial Bank: $32
First Financial Bank: $32
U.S. median: no median
Wire Transfer (Domestic Out)
First Financial Bank: $20
First Financial Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 2.1% from Q3 2025 to Q2 2026, to $832K.

Service-charge income, Q2 2026

$832K

$850KQ3 2025

$672KQ4 2025

$735KQ1 2026

$832KQ2 2026

Against the median

First Financial BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Financial Bank · $2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$1.9B to $2.1B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Financial Bank(this institution)	El Dorado, AR	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BankWest, Inc.	Pierre, SD	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Beneficial State Bank	Oakland, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blackhawk Bank & Trust	Milan, IL	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lakewood, NJ	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Fed Bank	Port Angeles, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First United Bank & Trust	Oakland, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Florence Bank	Florence, MA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Gateway First Bank	Jenks, OK	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
IncredibleBank	Wausau, WI	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kish Bank	Belleville, PA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Bank	Chicago, IL	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Montecito Bank & Trust	Santa Barbara, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oak Valley Community Bank	Oakdale, CA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Opportunity Bank of Montana	Helena, MT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Square Financial Services, Inc.	Salt Lake City, UT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Starion Bank	Bismarck, ND	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Conway National Bank	Conway, SC	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Stuttgart, AR	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank in Sioux Falls	Sioux Falls, SD	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Lyons National Bank	Lyons, NY	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Village Bank	Newton, MA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Thomaston Savings Bank	Thomaston, CT	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Timberland Bank	Hoquiam, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tri City National Bank	Oak Creek, WI	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Financial Bank does not publish a monthly maintenance fee in the index.

The peer median is $8 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Financial Bank does not publish a monthly maintenance fee, so it is not on this chart.

First Financial BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Financial Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $832K
vs prior quarter: +$97K+13.2%; from Q1 2026
vs a year earlier: +$31K+3.9%; from Q2 2025
vs start of range: −$89K−9.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Financial Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$832K	+$97K	+13.2%
Q1 2026	$735K	+$63K	+9.4%
Q4 2025	$672K	−$178K	−20.9%
Q3 2025	$850K	+$49K	+6.1%
Q2 2025	$801K	−$29K	−3.5%
Q1 2025	$830K	−$30K	−3.5%
Q4 2024	$860K	−$61K	−6.6%
Q3 2024	$921K	+$70K	+8.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Financial Bank’s own schedules, with a source for each figure.

Account Maintenance

Checking, Money Market, and Savings Account Fee per month (An account is considered dormant after 182 days of inactive u$5
per month
Research and/or Reconciliation per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (per month)$5
per month

Overdraft & NSF

Paid NSF/OD Fee (Insufficient Funds/Overdraft Fee, per item)$32
per item
Returned NSF/OD Fee (Insufficient Funds/Overdraft Fee, per item) Per item - created by check, in-person withdrawal, ATM$32
per item
Overdraft Protection per transfer$10
per item

ATM & Card

Debit Card Replacement (after 3rd replaced card)$10

Wire Transfers

Wire transfer, outgoing$20
Wire transfer, incoming$10
International Wire, outgoing$75
International Wire, incoming$30

Check Services

Cashier’s checks $1,000.00 or less per item$5
per item
Cashier’s checks over per item$10
per item
Stop payment fee, per item$32
per item
Temporary Check Fee$3
Collection Items: Collection/Foreign Item, incoming$75

Cash & Deposit

Returned check charge$7

Account Services

Garnishment/Levy (each)$150
per item

Fee	Amount	Basis	Note
Account Maintenance
Checking, Money Market, and Savings Account Fee per month (An account is considered dormant after 182 days of inactive u	$5	per month	None
Research and/or Reconciliation per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (per month)	$5	per month	None
Overdraft & NSF
Paid NSF/OD Fee (Insufficient Funds/Overdraft Fee, per item)	$32	per item	None
Returned NSF/OD Fee (Insufficient Funds/Overdraft Fee, per item) Per item - created by check, in-person withdrawal, ATM	$32	per item	None
Overdraft Protection per transfer	$10	per item	None
ATM & Card
Debit Card Replacement (after 3rd replaced card)	$10	Not stated	None
Wire Transfers
Wire transfer, outgoing	$20	Not stated	None
Wire transfer, incoming	$10	Not stated	None
International Wire, outgoing	$75	Not stated	None
International Wire, incoming	$30	Not stated	None
Check Services
Cashier’s checks $1,000.00 or less per item	$5	per item	None
Cashier’s checks over per item	$10	per item	None
Stop payment fee, per item	$32	per item	None
Temporary Check Fee	$3	Not stated	None
Collection Items: Collection/Foreign Item, incoming	$75	Not stated	None
Cash & Deposit
Returned check charge	$7	Not stated	None
Account Services
Garnishment/Levy (each)	$150	per item	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Financial Bank operates, and what regulators and customers have on file.

Market position

In Memphis, TN-MS-AR, First Financial Bank holds 0.2% of bank deposits, #38 of 48, with 1 office.

Compare fees with the 19 Jonesboro, AR banks and credit unions in its home-metro peer set →

The fee comparison uses its home metro, Jonesboro, AR.

Offices in the metro

442 offices of 90 institutions shown.

First Financial BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Memphis, TN-MS-AR metro (FDIC metro code 32820), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 6 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First Horizon Bank37.8%
2Regions Bank10.1%
3Pinnacle Bank5.9%
4The Huntington National Bank5.0%
5Bank of America, National Association3.9%
6Independent Bank3.5%
7Truist Bank3.3%
8Renasant Bank2.5%
38First Financial Bank0.2%

9 of 48 institutions shown. $46.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Memphis, TN-MS-AR metro (FDIC metro code 32820)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.2% share, 1 office, #38 of 48

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Memphis, TN-MS-AR metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

108 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Get an email when First Financial Bank's foreign transaction changes in our data

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