First Financial Bank
Total assets
$22.35B
▲ +20.6% YoY
Deposits
$17.80B
▲ +21.7% YoY
Loans
$13.58B
▲ +16.5% YoY
Offices
165
FIRST FINANCIAL BCORP
ROA (annualized)
1.56%
peers 1.23%
ROE (annualized)
11.86%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | First Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.6% | +5.9% | +14.7 pts |
| Deposit growth (YoY) | +21.7% | +5.7% | +16.0 pts |
| Loan growth (YoY) | +16.5% | +6.9% | +9.6 pts |
| ROA | 1.56% | 1.23% | +0.3 pts |
| ROE | 11.9% | 11.2% | +0.6 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
Profile
- Established
- 1863
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST FINANCIAL BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 255 E 5th St, Cincinnati, OH, 45202
- County
- Hamilton
- Metro area
- Cincinnati, OH-KY-IN
- Offices
- 165
- FDIC cert #
- 6600
- RSSD ID
- 165628
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.35B | $17.80B | $13.58B | $2.99B | $171.7M | 1.56% | 4.20% | 0.43% |
| Q1 2026 | $22.69B | $18.13B | $13.33B | $2.96B | $84.6M | 1.55% | 4.23% | 0.47% |
| Q4 2025 | $20.99B | $16.76B | $13.25B | $2.74B | $290.2M | 1.53% | 4.13% | 0.49% |
| Q3 2025 | $18.46B | $14.61B | $11.57B | $2.53B | $217.0M | 1.57% | 4.12% | 0.42% |
| Q2 2025 | $18.54B | $14.63B | $11.65B | $2.49B | $136.6M | 1.48% | 4.06% | 0.42% |
| Q1 2025 | $18.34B | $14.44B | $11.59B | $2.46B | $59.1M | 1.28% | 3.94% | 0.33% |
| Q4 2024 | $18.48B | $14.55B | $11.62B | $2.41B | $259.2M | 1.45% | 4.17% | 0.36% |
| Q3 2024 | $18.07B | $14.15B | $11.41B | $2.45B | $187.4M | 1.40% | 4.19% | 0.37% |
Loan mix (Q2 2026): real estate $8.03B · commercial $4.21B · consumer $196.9M · securities $4.79B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.23% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.3% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.55% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 54.9% | 53th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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