FIRST FINANCIAL BANCORP /OH/

Overview

First Financial Bancorp. is a Cincinnati-based bank holding company whose principal subsidiary, First Financial Bank, provides commercial banking and related financial services. Its offerings include commercial, real-estate and consumer lending, deposit and cash-management services, trust and wealth management, equipment and lease financing, and specialized foreign-exchange, commodities and insurance-premium finance services.[1]+5

The company’s banking network is concentrated in Ohio, Indiana, Kentucky and Illinois, where it operated 134 full-service banking centers at year-end 2025.[7] Its stated purpose is “to create opportunities for clients and communities to thrive.” [8] At year-end 2025, it had approximately 2,199 employees; its total assets were $22.4 billion at June 30, 2026.[9][10] FY2025 revenue was reported as $861.82 million.[11] [1]+13

Products & services

First Financial Bancorp offers commercial and industrial working-capital and term loans, commercial real-estate loans, residential mortgages, and consumer loans including vehicle, second-mortgage and unsecured loans. Its lending products also include home-equity lines of credit and equipment and lease financing. Specialized lending includes franchise equipment and leasehold financing, loans to insurance businesses, registered investment advisers, CPAs and indirect auto finance companies, and loans to restaurant franchisees. Franchise equipment financing generally has terms up to 84 months, while real-estate-related requests may have terms up to 180 months.[3]+6

Deposit products include interest- and noninterest-bearing accounts and time deposits. The company also provides commercial cash-management and treasury services, including capabilities for receivables, payables, fraud controls, liquidity management and reporting. Personal digital banking features include balance checks, transfers, mobile check deposit, bill payment, account alerts and Zelle; debit cards offer contactless and digital-wallet payments and in-app controls. Trust and wealth-management services are offered through its Wealth Management business, which reported $3.9 billion in assets under management at December 31, 2025.[3]+4 The company’s filings do not disclose revenue or earnings percentages for individual named products.[3] [3]+10

Geographic presence

First Financial Bancorp’s banking operations serve metropolitan and community markets in Ohio, Indiana, Kentucky and Illinois. As of June 30, 2026, the company reported 151 full-service banking centers; its Commercial Finance operations have a national footprint.[21][22]

At year-end 2025, before the subsequent addition of BankFinancial offices, the company reported 134 banking centers: 62 in Ohio, 58 in Indiana, 11 in Kentucky and three in Illinois. Its executive office is in Cincinnati, Ohio, with specialty finance offices in Indianapolis, Indiana; Mason, Ohio; and Lincolnshire, Illinois.[7] Lending is concentrated primarily in states where the bank has centers, while specialty lending extends beyond that footprint.[23]

The company reported approximately 2,199 employees in 2025, located primarily in Ohio, Indiana, Kentucky and Illinois, without a state-by-state employee breakdown. The cited filings do not provide revenue by geographic region.[9] [21]+4

Business segments

First Financial Bancorp. reports one operating segment, which encompasses all of the company’s operations. It does not disclose separate segment-level revenue, income, or asset contributions; accordingly, the sole reportable segment represents the consolidated business rather than a separately quantified business line.[24]+2

The company’s business activities include commercial and real-estate lending, consumer financing, deposit and cash-management services, and wealth management. These are described as products, services, or business lines—not as separately reported operating segments—and no percentage contribution by activity is provided.[3] Agile Premium Finance is described as a Bank division that provides commercial loans to finance businesses’ property-and-casualty insurance premiums; it likewise has no separately disclosed segment contribution.[27] [24]+4

Company history

First Financial Bancorp’s banking lineage dates to the opening of First National Bank of Hamilton, Ohio, in 1863. The holding company was incorporated in 1982 and described in its company history as formed in April 1983.[28]+2 In 2002, First National Bank of Southwestern Ohio and Hebron Deposit Bank merged to form First Financial Bank, N.A.; the bank adopted the First Financial Bank name in 2006.[30][28]

The company expanded into the Columbus market through acquisitions of First Bexley Bank, Insight Bank, and Guernsey Bancorp in 2014.[31] In 2018, it completed its merger with MainSource Financial Group; former MainSource chief executive Archie Brown became First Financial’s president and CEO.[32][33] Subsequent acquisitions extended its services and geographic reach: Bannockburn Global Forex in 2019, Summit Funding Group in 2022, Westfield Bancorp in 2025, and BankFinancial in 2026.[34]+4

Sources

• FIRST FINANCIAL BANCORP /OH/ — Full financial report (2025 Y)
  17 citations

  [1][2][3][4][5][6][7][9][12][13][14][15][16][20][27][33][36]
• www.bankatfirst.com[8]
• www.bankatfirst.com[10]
• www.wallstreetzen.com[11]
• www.bankatfirst.com[17]
• www.bankatfirst.com[18]
• www.bankatfirst.com[19]
• FIRST FINANCIAL BANCORP /OH/ — Full financial report (2026 Q 2)
  6 citations

  [21][22][23][24][25][26]
• www.bankatfirst.com[28]
• www.sec.gov[29]
• www.sec.gov[30]
• www.sec.gov[31]
• www.prnewswire.com[32]
• www.sec.gov[34]
• www.prnewswire.com[35]
• FIRST FINANCIAL BANCORP /OH/ — Full financial report (2026 Q 1)[37]
• www.bankatfirst.com[38]