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First Financial Bank
Cincinnati, OH · FDIC Certificate #6600 · Chartered 01/0
Total assets
$22.35B
Total deposits
$17.80B
Total equity
$2.99B
Net loans
$13.58B
Branches (offices)
162
Net income (YTD)
$171.70M
Rank: #97 of 4,213 U.S. banks by assets · #6 of 155 in Ohio. Assets changed 20.6% and deposits 21.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 11.86% |
| Net interest margin (YTD) | 4.20% |
| Equity to assets | 13.38% |
| Tier 1 leverage ratio | 9.78% |
| Uninsured deposits (share of deposits) | 41.9% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 76.3% |
| Real estate loans (share of loans) | 59.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $8.03B | 59.2% | |
| Commercial & industrial | $4.21B | 31.0% | |
| Consumer / individual | $196.87M | 1.4% | |
| Construction & development | $674.25M | 5.0% | |
| Agricultural | $83.33M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $16.16B | $12.35B | $104.01M | $2.22B |
| Jun 2023 | $17.01B | $12.91B | $151.26M | $2.24B |
| Jun 2024 | $18.09B | $13.84B | $127.70M | $2.35B |
| Jun 2025 | $18.54B | $14.63B | $136.62M | $2.49B |
| Jun 2026 | $22.35B | $17.80B | $171.70M | $2.99B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $9.70B | 66 |
| Indiana | $5.95B | 61 |
| Illinois | $1.33B | 22 |
| Kentucky | $745.91M | 12 |
| Michigan | $75.87M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $17.80B.
Similar-sized banks
State Bank Of India ($22.51B) · Beacon Bank And Trust ($22.20B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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