First Financial Bank (Cincinnati, OH)
First Financial Bank (Cincinnati, OH) reported total assets of $22.4 bn at Q2 2026, up 20.6% on a year earlier, the 96th largest of 497 banks in our US coverage. The CET1 capital ratio at First Financial Bank (Cincinnati, OH) was 12.77%, and the uninsured share of First Financial Bank (Cincinnati, OH) was 41.88%. Source: FDIC Call Reports.
Key takeaways
- Since , First Financial Bank (Cincinnati, OH) has taken over 3 institutions; the latest was BankFinancial, National Association on (FDIC Call Reports).
- On efficiency ratio, First Financial Bank (Cincinnati, OH) slipped from 165th to 237th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets First Financial Bank (Cincinnati, OH) apart
How large is First Financial Bank (Cincinnati, OH)?
The balance sheet of First Financial Bank (Cincinnati, OH) at : assets $22.4 bn, deposits $17.8 bn, net loans $13.6 bn (loans equal to 76.28% of deposits). Securities make up 21.4% of total assets at First Financial Bank (Cincinnati, OH). Since , when First Financial Bank (Cincinnati, OH) held $8.2 bn, its assets grew 173.4%. In the year to , deposits at First Financial Bank (Cincinnati, OH) rose 21.7% while its total assets rose 20.6%. At , First Financial Bank (Cincinnati, OH) employed 2,371 full-time equivalent staff across 165 offices, about $9.4 mn of assets per employee and $107.9 mn of deposits per office.
How much funding at First Financial Bank (Cincinnati, OH) is uninsured?
At First Financial Bank (Cincinnati, OH), uninsured deposits (above the FDIC limit) made up 41.88% of domestic deposits at (-1.14 pp on a year earlier); First Financial Bank (Cincinnati, OH) ranks 167th of 500 on this measure. In dollars, First Financial Bank (Cincinnati, OH) estimated $7.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $17.8 bn | +21.7% | 98th of 499 |
| Net loans and leases | $13.6 bn | +16.5% | 101st of 500 |
| Loan-to-deposit ratio | 76.28% | -3.39 pp | 375th of 500 |
| Tier 1 leverage ratio | 9.78% | -0.28 pp | 332nd of 500 |
| Total risk-based capital ratio | 14.05% | +0.15 pp | 242nd of 448 |
| Net interest margin | 4.20% | +0.14 pp | 103rd of 500 |
| Return on assets (ROA) | 1.56% | +0.08 pp | 138th of 500 |
| Efficiency ratio | 55.19% | +1.51 pp | 237th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $4.2 mn | Narrowed by $2.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $253.5 mn | Narrowed by $24.4 mn | |
| Noncurrent loans to total loans | 0.70% | +0.05 pp | 282nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.27% | -0.01 pp | 386th of 500 (1 = lowest) |
US rank of First Financial Bank (Cincinnati, OH): 1 = highest unless marked 1 = lowest.
Balance sheet
First Financial Bank (Cincinnati, OH): assets, deposits and loans
- Total assets $22.4bn
- Deposits $17.8bn
- Net loans $13.6bn
Capital and securities
The CET1 ratio of First Financial Bank (Cincinnati, OH) stood at 12.77% in , +0.16 pp year on year. Low and high at First Financial Bank (Cincinnati, OH) since : 10.81% () to 13.20% (). Equity capital of First Financial Bank (Cincinnati, OH) at : $3.0 bn, or 13.4% of total assets. First Financial Bank (Cincinnati, OH) also reported a total capital ratio of 14.05% for , and a tier 1 leverage ratio of 9.78%.
On held-to-maturity securities, First Financial Bank (Cincinnati, OH) carried an unrealized loss of $4.2 mn at , equal to 0.1% of equity capital. The loss narrowed by $2.6 mn over the year. Its deepest point: $11.7 mn in . The available-for-sale portfolio of First Financial Bank (Cincinnati, OH) showed an unrealized loss of $253.5 mn at ; the loss narrowed by $24.4 mn over the year.
First Financial Bank (Cincinnati, OH): capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.8%
First Financial Bank (Cincinnati, OH): unrealized securities gains and losses
- Available for sale -$253mn
- Held to maturity -$4mn
Profitability and loan quality
For the year to , First Financial Bank (Cincinnati, OH) earned a return on equity of 11.86%; return on assets: 1.56%. Net interest margin at First Financial Bank (Cincinnati, OH): 4.20%, +0.14 pp in a year. First Financial Bank (Cincinnati, OH) net income: $171.7 mn, up 25.7% year on year. The efficiency ratio of First Financial Bank (Cincinnati, OH) was 55.19%: about 55 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.70% of total loans at First Financial Bank (Cincinnati, OH); net charge-offs: 0.27% of average loans. Gross loans and leases at First Financial Bank (Cincinnati, OH): $13.8 bn, up 16.6% in a year.
First Financial Bank (Cincinnati, OH): profitability
- Return on equity 12%
- Net interest margin 4.2%
- Return on assets 1.6%
Peer group of First Financial Bank (Cincinnati, OH)
The peer group of First Financial Bank (Cincinnati, OH) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of First Financial Bank (Cincinnati, OH) (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Ohio. Against them, First Financial Bank (Cincinnati, OH) shows CET1 ratio 12.77% against a peer median of 13.26%, return on equity 11.86% against a peer median of 11.32% and uninsured deposit share 41.88% against a peer median of 42.23%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| OceanFirst Bank | National bank | NJ | $23.2 bn | 12.96% | 2.90% | 51.83% | |
| TowneBank | State nonmember bank | VA | $22.6 bn | 12.16% | 16.91% | 47.97% | |
| Wilmington Savings Fund Society, FSB | Federal savings bank | DE | $22.6 bn | 13.77% | 13.22% | 46.12% | |
| First Financial Bank | State member bank | OH | $22.4 bn | 12.77% | 11.86% | 41.88% | |
| Beacon Bank and Trust | State member bank | MA | $22.2 bn | 11.77% | 9.41% | 38.34% | |
| Optum Bank, Inc. | State nonmember bank | UT | $21.4 bn | 17.86% | 17.52% | 3.78% | |
| Seacoast National Bank | National bank | FL | $21.3 bn | 13.55% | 6.11% | 36.31% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Financial Bank (Cincinnati, OH), to : assets +23.7%, deposits +25.8%, equity +22.1%. Staff 2,084 to 2,371; offices 135 to 165.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $18.1 bn | $18.5 bn | $18.3 bn | $18.5 bn | $18.5 bn | $21.0 bn | $22.7 bn | $22.4 bn |
| Total deposits | $14.2 bn | $14.6 bn | $14.4 bn | $14.6 bn | $14.6 bn | $16.8 bn | $18.1 bn | $17.8 bn |
| Bank equity capital | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.7 bn | $3.0 bn | $3.0 bn |
| CET1 ratio | 12.52% | 12.48% | 12.50% | 12.61% | 12.67% | 11.90% | 13.07% | 12.77% |
| Return on equity (ROE) | 10.56% | 10.92% | 9.70% | 11.13% | 11.70% | 11.49% | 11.88% | 11.86% |
| Uninsured share of domestic deposits | 37.74% | 40.36% | 39.89% | 43.02% | 41.57% | 44.42% | 41.81% | 41.88% |
| Full-time equivalent employees | 2,084 | 2,064 | 2,021 | 2,033 | 1,986 | 2,164 | 2,319 | 2,371 |
| Number of offices | 135 | 134 | 134 | 135 | 135 | 142 | 165 | 165 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Financial Bank (Cincinnati, OH), oldest first; figures before and after each event are not like for like.
- . Absorbed MainSource Bank (FDIC certificate 5766).
- . Absorbed Westfield Bank, FSB (FDIC certificate 57077).
- . Absorbed BankFinancial, National Association (FDIC certificate 28808).
Large one-quarter moves at First Financial Bank (Cincinnati, OH)
- Total assets at First Financial Bank (Cincinnati, OH) changed by +55.9% in the quarter to 2018-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from MainSource Bank.
Questions and identifiers
What were the total assets of First Financial Bank (Cincinnati, OH)?
First Financial Bank (Cincinnati, OH) reported $22.4 bn at in its Call Report. That makes First Financial Bank (Cincinnati, OH) the 96th largest of 497 banks in our US coverage.
Is First Financial Bank (Cincinnati, OH) the same as its holding company?
No. This page covers First Financial Bank (Cincinnati, OH), FDIC certificate 6600; FIRST FINANCIAL BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Financial Bank (Cincinnati, OH) profitable?
First Financial Bank (Cincinnati, OH) reported net income of $171.7 mn for the year to ; annualized return on equity: 11.86%. So yes: First Financial Bank (Cincinnati, OH) made a profit over these months.
When is data for First Financial Bank (Cincinnati, OH) next updated?
Figures from First Financial Bank (Cincinnati, OH) for are due after .
Where can I check the figures for First Financial Bank (Cincinnati, OH)?
In the FDIC BankFind Suite record for certificate 6600, and in the Call Reports of First Financial Bank (Cincinnati, OH) (RSSD ID 165628) at the FFIEC Central Data Repository.