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First Financial Bank

Cincinnati, OH · Cert 6600 · First Financial Bcorp

State charter, Fed member · FED · 162 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Financial Bank

Cincinnati, OH · Cert 6600 · First Financial Bcorp

State charter, Fed member · FED · 162 branches

Q2 2026

$22.4BAssets
$13.8BLoans
$17.8BDeposits
$3.0BEquity
Loan mix
65%RE $7.9B33%C&I $4.1B2%Consumer $0.2BQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $13.9B22%Noninterest $3.9BQ3 2024Q2 2026

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 3.7% share · #4 of 54 inst. · $7.0B of $187.5B

2.5% Hamilton
24.3% Butler
51.1% Bartholomew
5.9% Lake

Executive Summary

  • Earnings: ROA of 1.56%, up 8 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.70% of loans (+5 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 9.78%, down 28 bps from a year ago.
  • Funding: loans stand at 77.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.56%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+8 bps YoY

Efficiency Ratio (YTD, annualized)

55.19%+151 bps YoY

Tier 1 Leverage Ratio

9.78%-28 bps YoY

NIM

5.47%Q2 ’245.23%Q2 ’254.99%Q2 ’26-1%+2%

Non-interest income vs. expense

2.58%Q2 ’242.61%Q2 ’252.80%Q2 ’26-6%+13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.45%1.28%1.48%1.57%1.53%1.55%1.56%+8 bps
Return on Equity10.57%10.92%9.70%11.13%11.70%11.49%11.88%11.86%+73 bps
Net Interest Margin3.48%3.42%3.31%3.41%3.44%3.27%3.50%3.49%+8 bps
Efficiency Ratio53.31%55.46%55.19%53.68%53.34%53.29%55.99%55.19%+151 bps
Non-Interest Burden1.30%1.35%1.30%1.25%1.22%1.16%1.42%1.41%+16 bps
Growth
Asset Growth (YoY)6.45%5.85%4.65%2.45%2.13%13.56%23.70%20.58%+1,813 bps
Loan Growth (YoY)8.50%7.61%4.68%2.38%1.47%14.15%15.08%16.55%+1,417 bps
Deposit Growth (YoY)8.51%7.78%6.02%5.68%3.25%15.19%25.59%21.69%+1,601 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.56%0.51%0.66%0.65%0.76%0.78%0.70%+5 bps
Net Charge-Offs / Loans0.25%0.29%0.36%0.28%0.25%0.23%0.34%0.27%-1 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.06%9.97%9.90%10.06%10.05%9.77%9.82%9.78%-28 bps
Total Risk-Based Capital13.72%13.62%13.78%13.90%13.96%13.18%14.35%14.05%+15 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits81.73%80.91%81.34%80.75%80.33%80.18%74.53%77.34%-341 bps
Liquid Assets / Assets0.43%0.42%0.42%0.39%0.39%0.28%0.22%0.21%-19 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Financial Bank

Cincinnati, OH · Cert 6600 · Peer group: banks over $10B in assets (n=142-144) · First Financial Bcorp

State charter, Fed member · FED · 162 branches

Q2 2026

$22.4BAssets
$13.8BLoans
$17.8BDeposits
$3.0BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks over $10B in assets (rank 27 of 144).
  • Widest gap: net charge-offs / loans trails 62% of banks over $10B in assets (rank 89 of 142).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.54%

Rank 38 of 144

Net Interest Margin

3.49%

Rank 56 of 144

Efficiency Ratio

57.46%

Rank 84 of 144

Equity / Assets

13.38%

Rank 27 of 144

Non-interest income vs. expense

$313.0M$632.0MINCOMEEXPENSE
Unfavorable gap of $319.1M · efficiency ratio beats 42% of banks over $10B in assets
Bank 57.46%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.54%1.00%1.26%1.54%Beats 74%38 / 144
Return on Equity11.48%8.98%11.34%14.40%Beats 51%70 / 144
Net Interest Margin3.49%2.82%3.31%3.68%Beats 61%56 / 144
Efficiency Ratio57.46%49.42%56.02%62.41%Beats 42%84 / 144
Asset Quality
Nonperforming Loans / Loans0.70%0.48%0.73%1.07%Beats 53%68 / 142
Net Charge-Offs / Loans0.15%0.05%0.11%0.22%Beats 38%89 / 142
Capital
Tier 1 Capital Ratio12.78%12.07%12.98%14.92%Beats 44%80 / 144
Total Risk-Based Capital Ratio14.05%13.39%14.14%16.25%Beats 49%74 / 144
Equity / Assets13.38%9.69%11.39%12.96%Beats 81%27 / 144
Liquidity & Funding
Loans / Deposits77.34%75.72%84.92%91.56%29th pctl102 / 143
Loans / Assets61.60%59.83%69.07%74.80%29th pctl102 / 144
Brokered Deposits / Depositsn/aNot reported for this institution