Lenders
First Financial Bank (Arkansas)
First Financial Bank is an Arkansas bank headquartered in El Dorado that lends in Arkansas and Mississippi. Its commercial real estate loans cover the purchase, refinance, or construction of commercial property, and the loan page names office, warehouse, and farm property as the typical uses.
Loans are written on owner-occupied or investment property at fixed or variable rates. The bank presents the decision as a local one: applications go to lending professionals who work the local real estate market, and the site promises quick decisions rather than publishing a credit box.
The bank has operated since 1934 and converted from a thrift institution to a state-chartered commercial bank in 1999. Alongside general business lending it runs divisions for farm and ranch, crop production, poultry, independent pharmacy, veterinary practices, and pet care facilities. Branches run from El Dorado and Smackover in south Arkansas to Little Rock, Mena, Wynne, Forrest City, Harrisburg, McCrory, and Cherry Valley, with Mississippi branches in Senatobia and Carthage.
Loan minimums, recourse terms, and cash-out policies are not published, so ask a business advisor directly. The farm and ranch pages carry customer stories from outside Arkansas and Mississippi, so confirm where the bank will actually lend on your property type.
Best for
Business owners and investors buying, refinancing, or building owner-occupied or investment property in Arkansas or Mississippi, particularly near a branch. Farm, crop production, poultry, pharmacy, and veterinary borrowers have dedicated divisions.
What they do
- Commercial real estate purchase and refinance loans
- Commercial construction loans
- Business lines of credit
- Small Business Administration (SBA) loans
- Crop production loans
- Farm and ranch lending
- Pharmacy business loans
- Veterinary practice lending
- Pet care facility loans
- Business checking, savings, and ACH services
Details
| Attribute | Value |
|---|---|
| Founded | 1934 |
| Other offices | Little Rock, AR, Mena, AR, Smackover, AR, Wynne, AR, Forrest City, AR, Harrisburg, AR, McCrory, AR, Cherry Valley, AR, Morrilton, AR, Fayetteville, AR, Senatobia, MS, Carthage, MS |
| Lender type | Bank |
What stands out
- Has operated since 1934 and converted from a thrift institution to a state-chartered commercial bank in 1999.
- Entered Mississippi in 2006 by purchasing Cornerstone Bank in Senatobia, and acquired First National Bank of Wynne in 2019.
- Lends on owner-occupied or investment property at fixed or variable rates, with office, warehouse, and farm property named on the loan page.
- Supported over 7,000 jobs through the PPP loan program in 2020.