First Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Financial Bank of Cincinnati, OH against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.39% | +0.15% | 71st above |
| ROAE Behind the peer average, ahead of the median peer. | 11.71% | 12.23% | -0.52% | 56th above |
| Net Interest Margin | 4.04% | 3.81% | +0.23% | 82nd top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 54.13% | 54.24% | -0.11% | 49th below |
| PPNR / Avg Assets | 2.08% | 2.04% | +0.04% | 69th above |
| Yield on Earning Assets | 5.77% | 5.71% | +0.06% | 78th top |
| Cost of Funds | 1.56% | 2.03% | -0.47% | 73rd above |
| Net Interest Spread | 3.44% | 3.12% | +0.32% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.85% | 0.98% | -0.13% | 51st above |
| NPA / Total Assets | 0.52% | 0.72% | -0.20% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.21% | 0.33% | -0.12% | 33rd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.38% | 1.39% | -0.01% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 162.10% | 235.83% | -73.73% | 59th above |
| Texas Ratio | 5.81% | 8.89% | -3.08% | 57th above |
| Provision / NCO | 103.24% | 123.45% | -20.21% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.77% | 15.67% | -2.90% | 44th below |
| Tier 1 Ratio | 12.78% | 15.80% | -3.02% | 43rd below |
| Total Capital Ratio | 14.05% | 16.92% | -2.87% | 48th below |
| Leverage Ratio | 9.78% | 10.51% | -0.73% | 35th below |
| Equity / Assets | 13.38% | 11.70% | +1.68% | 78th top |
| TCE / Tangible Assets | 8.68% | 9.73% | -1.05% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.34% | 84.64% | -7.30% | 75th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.44% | 86.59% | +2.85% | 43rd below |
| Uninsured Deposit Ratio | 41.88% | 36.80% | +5.08% | 40th below |
| Wholesale Funding Ratio | 2.87% | 5.86% | -2.99% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.58% | 11.87% | +8.71% | 84th top |
| Loan Growth (Y/Y) | 16.55% | 11.32% | +5.23% | 78th top |
| Deposit Growth (Y/Y) | 21.69% | 11.26% | +10.43% | 86th top |
See First Financial Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Financial Bank profile, how to read a UBPR, or how this data updates.