BanksFIRST FINANCIAL BANK

FIRST FINANCIAL BANK

CINCINNATI, OHRegionalEst. Jan. 1, 1863, midnightFDIC #6600RSSD #165628FED
Latest · 2025-12-31

FIRST FINANCIAL BANK is an 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%. CET1 capital ratio: 11.90%, well above regulatory minimums. NPL ratio: 0.76% · Texas Ratio: 3.49%. Operates 132 domestic branches.

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 Margin3.99%
Yield on Assets5.85%
Cost of Funds2.06%

Asset Quality

NPL Ratio0.76%
Net Charge-Off Ratio0.23%
Texas Ratio3.49%
NPA Ratio0.49%
ACL / Loans1.39%

Capital & Liquidity

CET1 Ratio11.90%
Tier 1 Capital11.90%
Total Capital Ratio13.18%
Leverage Ratio9.77%
Loan-to-Deposit80.18%

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