First Financial Bank (Cincinnati, OH)
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Data as of · sourced from FFIEC call reports. How we update
First Financial Bank is an FDIC-insured commercial bank headquartered in Cincinnati, OH, established in 1863 (FDIC certificate 6600), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $22.35B, up 20.6% from Q2 2025, the 6th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.77% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6600
- Headquarters
- Cincinnati, OH
- Established
- 1863
- Total assets, Q2 2026
- $22.35B
- Assets vs Q2 2025
- +20.6%
- CET1 ratio, Q2 2026
- 12.77%
- Domestic offices
- 165 FDIC institution directory, current count
- Routing number
- 042200910
- Latest call report
- Q2 2026, FFIEC 031 · First Financial Bank call report
- Holding company
- FIRST FINANCIAL BANCORP
- Asset rank in state
- 6th of 154 in Ohio
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 0.70% and a Texas ratio of 4.74%. The figures come from its call report filed with the FFIEC.
First Financial Bank ranks as the 6th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.5% to $22.35B, loans rose 1.9% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 30.6% of total loans, followed by 1-4 family residential loans at 21.6%. Judged on its Q2 2026 call report, First Financial Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 165 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Financial Bank's total assets ranged from $16.98B (Q3 2023) to $22.69B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$22.35B total assets against $18.54B; $19.36B total liabilities against $16.04B.
$13.58B net loans and leases against $11.65B; $17.80B total deposits against $14.63B.
$4.79B securities against $3.47B; $779.1M cash and balances due against $779.2M.
$280.9M total interest income against $245.9M; $84.6M total interest expense against $82.4M.
$196.3M net interest income against $163.5M.
$74.0M total noninterest income against $67.3M; $153.2M total noninterest expense against $123.1M.
$8.2M provision for credit losses against $9.8M.
$87.1M net income against $77.5M.
1.54% return on assets against 1.67%; 4.04% net interest margin against 4.10%.
12.77% CET1 capital ratio against 12.61%; 9.78% tier 1 leverage ratio against 10.06%.
Inside the full First Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Financial Bank rankings
Its closest position to the top of a national ranking is 95 of 4,196, for total assets; its furthest is 1,477 of 2,134, for CET1 ratio.
Metric pages for First Financial Bank: Uninsured deposits.
Banks merged into First Financial Bank
- BankFinancial, National Association, effective January 1, 2026
- Westfield Bank, FSB, effective November 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.27% (Q1 2025) to 1.71% (Q3 2025) and its net interest margin ran from 3.86% (Q1 2025) to 4.13% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.77% | 1.54% | 0.70% | 4.74% | 4.04% |
| Q1 2026 | 13.07% | 1.50% | 0.78% | 5.26% | 4.04% |
| Q4 2025 | 11.90% | 1.44% | 0.76% | 5.51% | 4.12% |
| Q3 2025 | 12.67% | 1.71% | 0.65% | 4.48% | 4.11% |
| Q2 2025 | 12.61% | 1.67% | 0.66% | 4.67% | 4.10% |
| Q1 2025 | 12.50% | 1.27% | 0.51% | 3.68% | 3.86% |
| Q4 2024 | 12.48% | 1.56% | 0.56% | 4.17% | 4.00% |
| Q3 2024 | 12.52% | 1.32% | 0.57% | 4.04% | 4.13% |
Swipe the table sideways to see every column.
Branch Network
View all 162 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired BankFinancial, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | M&A | Acquired BankFinancial, National Association merger for the acquired bank | SEC |
| 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 | Structure Change | Acquired Peoples Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 1, 2009 | M&A | Acquired Peoples Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| 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 Community First Bank & Trust 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 | Structure Change | Acquired Heritage Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 19, 2005 | M&A | Acquired Heritage Community Bank merger for the acquired bank | SEC |
| March 18, 2005 | 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 19, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 2002 | M&A | Acquired Hebron Deposit Bank merger for the acquired bank | SEC |
| 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 |
| 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 |
| February 1, 1984 | Structure Change | Acquired The Peoples Banking Company of Lewisburg 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 |
| December 31, 1982 | Structure Change | Acquired First National Bank in Camden 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 |
| 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
Facts as filed or published, not a rating.
- 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 184 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Financial Bank headquartered?
It is headquartered in Cincinnati, OH, United States.
When was First Financial Bank founded?
It was established in 1863, per the FDIC institution directory.
Is First Financial Bank FDIC-insured?
Yes. It 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.
What is First Financial Bank's CET1 capital ratio?
It 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?
It operates 165 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?
Its Texas Ratio is 4.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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