First Financial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.6% to $1.05B. Within Ohio, First Financial Bank is 58th of 84 on CET1 ratio, 12.77% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; First Financial Bank reported 12.77% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.77% |
| Tier 1 risk-based capital ratio | 12.78% |
| Total risk-based capital ratio | 14.05% |
| Tier 1 leverage ratio | 9.78% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.10B |
| Tier 1 capital | $2.10B |
| Total risk-based capital | $2.31B |
| Total equity capital | $2.99B |
| Risk-weighted assets | $16.44B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.38% |
| Tangible equity to tangible assets | 8.68% |
| Equity capital to average assets | 13.26% |
| Internal capital growth rate | 5.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.1M |
| Common stock surplus | $2.15B |
| Retained earnings | $1.05B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$223.7M |
| Subordinated notes and debentures | $7.5M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.73% | 12.74% | 13.73% | 10.24% | $13.16B |
| Q4 2023 | 12.73% | 12.73% | 13.69% | 10.24% | $13.37B |
| Q1 2024 | 12.50% | 12.50% | 13.60% | 10.17% | $13.56B |
| Q2 2024 | 12.43% | 12.43% | 13.60% | 10.02% | $13.80B |
| Q3 2024 | 12.52% | 12.53% | 13.72% | 10.06% | $13.79B |
| Q4 2024 | 12.48% | 12.48% | 13.62% | 9.97% | $14.04B |
| Q1 2025 | 12.50% | 12.51% | 13.78% | 9.90% | $13.98B |
| Q2 2025 | 12.61% | 12.61% | 13.90% | 10.06% | $14.10B |
| Q3 2025 | 12.67% | 12.67% | 13.96% | 10.05% | $14.14B |
| Q4 2025 | 11.90% | 11.90% | 13.18% | 9.77% | $15.87B |
| Q1 2026 | 13.07% | 13.08% | 14.35% | 9.82% | $16.16B |
| Q2 2026 | 12.77% | 12.78% | 14.05% | 9.78% | $16.44B |
First Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6600) · FFIEC NIC profile (RSSD 165628)