First Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 81.2% in Q2 2026, from $18.3M to $33.1M. It was the largest change from Q1 2026 among the key lines here. First Financial Bank ranks 96th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 77.34% (Q2 2026). First Financial Bank reported 77.34% on loan-to-deposit ratio for Q2 2026, 9.49 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.77B |
| Net loans and leases | $13.58B |
| Loans held for sale | $33.1M |
| Loans to total assets | 61.60% |
| Loan-to-deposit ratio | 77.34% |
| Net loans to equity capital | 4.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.36% |
| Multifamily (5+ residential) | 5.87% |
| Commercial and industrial | 30.55% |
| Consumer | 1.43% |
| Credit cards | 0.24% |
| Farm | 0.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.50% |
| Construction concentration (Tier 1 capital + allowance) | 29.44% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.45% |
| Interest income on loans | $208.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $10.66B | $13.04B | 29.37% | 24.78% | 1.72% |
| Q4 2023 | $10.94B | $13.50B | 28.30% | 25.10% | 1.68% |
| Q1 2024 | $11.22B | $13.62B | 27.72% | 25.73% | 1.59% |
| Q2 2024 | $11.54B | $13.84B | 26.37% | 26.42% | 1.50% |
| Q3 2024 | $11.57B | $14.15B | 25.98% | 25.93% | 1.46% |
| Q4 2024 | $11.77B | $14.55B | 25.69% | 26.64% | 1.38% |
| Q1 2025 | $11.74B | $14.44B | 25.02% | 27.03% | 1.26% |
| Q2 2025 | $11.81B | $14.63B | 24.26% | 27.25% | 1.23% |
| Q3 2025 | $11.74B | $14.61B | 24.65% | 27.39% | 1.19% |
| Q4 2025 | $13.44B | $16.76B | 24.74% | 29.03% | 1.65% |
| Q1 2026 | $13.51B | $18.13B | 24.38% | 30.23% | 1.43% |
| Q2 2026 | $13.77B | $17.80B | 25.36% | 30.55% | 1.43% |
First Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank, freeSource: Call Report Schedule RC-C, 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)