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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 $0.2BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $13.9B22%Noninterest $3.9BQ2 2025Q2 2026

NIM

5.60%Q2 ’245.28%Q2 ’254.98%Q2 ’26+0%-1%

Non-interest income vs. expense

2.63%Q2 ’242.64%Q2 ’252.72%Q2 ’26-5%+17%

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 1.55%, down 14 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.70% of loans (+5 bps YoY), with net charge-offs at 0.20%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.55%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.48%-3 bps YoY

Efficiency Ratio (quarter, annualized)

54.37%+207 bps YoY

Tier 1 Leverage Ratio

9.78%-28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.74%1.48%1.55%1.55%-14 bps
Return on Equity12.53%12.81%11.12%11.88%11.71%-82 bps
Net Interest Margin3.51%3.54%3.56%3.50%3.48%-3 bps
Efficiency Ratio52.29%52.70%53.17%55.99%54.37%+207 bps
Non-Interest Burden1.20%1.18%1.28%1.42%1.40%+21 bps
Growth
Asset Growth (YoY)2.45%2.13%13.56%23.70%20.58%+1,813 bps
Loan Growth (YoY)2.38%1.47%14.15%15.08%16.55%+1,417 bps
Deposit Growth (YoY)5.68%3.25%15.19%25.59%21.69%+1,601 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.65%0.76%0.78%0.70%+5 bps
Net Charge-Offs / Loans0.20%0.18%0.26%0.34%0.20%-1 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.06%10.05%9.77%9.82%9.78%-28 bps
Total Risk-Based Capital13.90%13.96%13.18%14.35%14.05%+15 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits80.75%80.33%80.18%74.53%77.34%-341 bps
Liquid Assets / Assets0.39%0.39%0.28%0.22%0.21%-19 bps
CRE / Total Capitaln/an/an/an/an/an/an/a