First Financial Bank (Cincinnati, OH): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Financial Bank is growing quickly. It reported $22.4 billion in assets at June 30, 2026, up 20.6% from a year earlier. It grew deposits 21.7% over the year, 3.8 times the median of 5.7% for the 127 banks with $10 billion to $100 billion in assets. It also keeps 4.04 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.63 cents).
Net income for the quarter rose 12% from a year earlier, to $87 million. Over the same year, loans grew 16.6% and deposits grew 21.7%.
As of June 30, 2026, First Financial Bank reported a CET1 capital ratio of 12.77%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 4.74%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 255 E 5th St, Cincinnati, OH 45202
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1863
- Former names
- First Financial Bank, National Association (2002-2016); First National Bank of Southwestern Ohio (1980-2002)
- Offices
- 166 domestic
- Employees (FTE)
- 2,371
- Domestic deposits
- $17.80B
- Allowance for credit losses
- $189.9M
- Net charge-offs (YTD)
- $18.4M
- Average total assets
- $22.56B
- Average total loans
- $12.97B
- Average interest-bearing deposits
- $17.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6600
- Fed RSSD
- 165628
- SEC CIK
- 708955 → filed by FIRST FINANCIAL BANCORP
- Website
- www.bankatfirst.com →
- Parent Holding Company
- FIRST FINANCIAL BANCORP (RSSD 1071276) · FFBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Archie M Brown | CEO | President & CEO |
| James M Anderson | CFO | Chief Financial Officer |
| Karen B Woods | GC | General Counsel & CAO |
| William R Harrod | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Financial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Financial Bank, freeFirst Financial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.77% | 1.54% | 0.85% | 4.74% | 4.04% |
| Q1 2026 | 13.07% | 1.50% | 0.90% | 5.26% | 4.04% |
| Q4 2025 | 11.90% | 1.44% | 0.83% | 5.51% | 4.12% |
| Q3 2025 | 12.67% | 1.71% | 0.69% | 4.48% | 4.11% |
| Q2 2025 | 12.61% | 1.67% | 0.71% | 4.67% | 4.10% |
| Q1 2025 | 12.50% | 1.27% | 0.72% | 3.68% | 3.86% |
| Q4 2024 | 12.48% | 1.56% | 0.74% | 4.17% | 4.00% |
| Q3 2024 | 12.52% | 1.32% | 0.82% | 4.04% | 4.13% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 162 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 4th Street | Cincinnati , OH | 45202 | $2.78B |
| Downtown Columbus Branch | Columbus , IN | 47201 | $510.8M |
| Bloomington N College Branch | Bloomington , IN | 47404 | $437.6M |
| Fairfield-South Gilmore Branch | Fairfield , OH | 45014 | $428.1M |
| Medina Branch | Medina , OH | 44256 | $275.1M |
| Westfield Bank Branch | Westfield Center , OH | 44251 | $273.5M |
| Schererville Branch | Schererville , IN | 46375 | $258.4M |
| Brecksville Branch | Brecksville , OH | 44141 | $225.8M |
| Highland 45th Street Branch | Highland , IN | 46322 | $209.9M |
| Highland Branch | Highland , IN | 46322 | $207.2M |
| Celina Harbor Sqaure Branch | Celina , OH | 45822 | $196.8M |
| Cuyahoga Falls Branch | Cuyahoga Falls , OH | 44223 | $194.5M |
| Fairfield Towne Center | Fairfield , OH | 45014 | $190.3M |
| Canton Branch | Canton , OH | 44718 | $187.9M |
| Hamilton Branch | Hamilton , OH | 45011 | $186.5M |
| Fort Recovery Branch | Fort Recovery , OH | 45846 | $184.7M |
| Kettering Branch | Kettering , OH | 45429 | $181.3M |
| Worthington (Insight) Branch | Worthington , OH | 43085 | $174.5M |
| Washington Blvd Branch | Hamilton , OH | 45013 | $170.6M |
| Shelbyville Branch | Shelbyville , IN | 46176 | $168.4M |
| Troy Main | Troy , OH | 45373 | $167.4M |
| Greensburg Branch | Greensburg , IN | 47240 | $167.4M |
| Columbus Central Avenue Branch | Columbus , IN | 47201 | $166.9M |
| Breiel Boulevard Branch | Middletown , OH | 45044 | $166.8M |
| Franklin | Franklin , IN | 46131 | $163.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | M&A | Acquired BankFinancial, National Association merger for the acquired bank | SEC |
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired BankFinancial, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2025 | M&A | Acquired Westfield Bank, FSB merger for the acquired bank | SEC |
| November 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2025 | Structure Change | Acquired Westfield Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2018 | M&A | Acquired MainSource Bank merger for the acquired bank | SEC |
| April 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2018 | Structure Change | Acquired MainSource Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 22, 2014 | M&A | Acquired The Guernsey Bank merger for the acquired bank | SEC |
| August 22, 2014 | Structure Change | Acquired The Guernsey Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 2014 | M&A | Acquired Insight Bank merger for the acquired bank | SEC |
| August 8, 2014 | Structure Change | Acquired Insight Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 19, 2009 | M&A | Acquired Irwin Union Bank and Trust Company failure_government_assistance_provided for the acquired bank | SEC |
| September 19, 2009 | Structure Change | Acquired Irwin Union Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 18, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 1, 2009 | M&A | Acquired Peoples Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| August 1, 2009 | Structure Change | Acquired Peoples Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 16, 2005 | M&A | Acquired First Financial Bancorp Service Corp. merger for the acquired bank | SEC |
| September 16, 2005 | Structure Change | Acquired First Financial Bancorp Service Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2005 | M&A | Acquired Sand Ridge Bank merger for the acquired bank | SEC |
| August 20, 2005 | Structure Change | Acquired Sand Ridge Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 2005 | M&A | Acquired Heritage Community Bank merger for the acquired bank | SEC |
| March 19, 2005 | Structure Change | Acquired Heritage Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 18, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 2002 | M&A | Acquired Hebron Deposit Bank merger for the acquired bank | SEC |
| July 19, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 2002 | Structure Change | Acquired Hebron Deposit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2000 | M&A | Acquired Home Federal Bank, a Federal Savings Bank merger for the acquired bank | SEC |
| July 21, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2000 | Structure Change | Acquired Home Federal Bank, a Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1984 | M&A | Acquired The Peoples Banking Company of Lewisburg merger for the acquired bank | SEC |
| February 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1984 | Structure Change | Acquired The Peoples Banking Company of Lewisburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1982 | M&A | Acquired First National Bank in Camden merger for the acquired bank | SEC |
| December 31, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1982 | Structure Change | Acquired First National Bank in Camden Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1980 | M&A | Acquired First National Bank of Middletown merger for the acquired bank | SEC |
| July 1, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1980 | Structure Change | Acquired First National Bank of Middletown Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 44 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- October 2, 2015, OCC: Civil Money Penalty (CMP): First Financial Bank, National Association
- Period: Most recent institution action October 2, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in OH, rank 9 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 10,539 applications, 7,073 loans originated, $1.57B originated, across 23 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 37 loans, $24.3M approved, $656K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Financial Bank
What are First Financial Bank's total assets?
As of the Q2 2026 filing, First Financial Bank reported total assets of $22.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Financial Bank headquartered?
First Financial Bank is headquartered in Cincinnati, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Financial Bank founded?
First Financial Bank was established in 1863, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. First Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #6600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Financial Bank?
First Financial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Financial Bank's CET1 capital ratio?
First Financial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.77% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Financial Bank operate?
First Financial Bank operates 166 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Financial Bank's Texas Ratio?
First Financial Bank's Texas Ratio is 4.74% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Financial Bank previously called?
The charter now named First Financial Bank has also operated as First Financial Bank, National Association (2002-2016), First National Bank of Southwestern Ohio (1980-2002), per FDIC structure-change records.
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