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
Unfavorable gap of $319.1M · efficiency ratio beats 42% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 1.00% | 1.26% | 1.54% | Beats 74% | 38 / 144 | | |
| Return on Equity | 11.48% | 8.98% | 11.34% | 14.40% | Beats 51% | 70 / 144 | | |
| Net Interest Margin | 3.49% | 2.82% | 3.31% | 3.68% | Beats 61% | 56 / 144 | | |
| Efficiency Ratio | 57.46% | 49.42% | 56.02% | 62.41% | Beats 42% | 84 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.48% | 0.73% | 1.07% | Beats 53% | 68 / 142 | | |
| Net Charge-Offs / Loans | 0.15% | 0.05% | 0.11% | 0.22% | Beats 38% | 89 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 12.78% | 12.07% | 12.98% | 14.92% | Beats 44% | 80 / 144 | | |
| Total Risk-Based Capital Ratio | 14.05% | 13.39% | 14.14% | 16.25% | Beats 49% | 74 / 144 | | |
| Equity / Assets | 13.38% | 9.69% | 11.39% | 12.96% | Beats 81% | 27 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.34% | 75.72% | 84.92% | 91.56% | 29th pctl | 102 / 143 | | |
| Loans / Assets | 61.60% | 59.83% | 69.07% | 74.80% | 29th pctl | 102 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |