FIRST FINANCIAL BANK

CINCINNATI, OH | Regional | Est. Jan. 1, 1863, midnight | FDIC #6600 | RSSD #165628 | FED
Latest Report: 2025-12-31

FIRST FINANCIAL BANK is arn regional FDIC-insured commercial bank headquartered in CINCINNATI, OH, established in Jan. 1, 1863, midnight. As of 2025-12-31, the bank reported total assets of $21.0B and total deposits of $16.8B. Profitability stands at 1.48% ROA and 11.12% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 11.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.76% and a Texas Ratio of 3.49%. FDIC Certificate #6600.

Assets

$21.0B

Deposits

$16.8B

Loans

$13.4B

Equity

$2.7B

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 11.12%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.85%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.76%
Net Charge-Off Ratio 0.23%
Texas Ratio 3.49%
NPA Ratio 0.49%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 11.90%
Tier 1 Capital 11.90%
Total Capital Ratio 13.18%
Leverage Ratio 9.77%
Loan-to-Deposit 80.18%

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