Cincinnati, OH · Cert 6600 · First Financial Bcorp
State charter, Fed member · FED · 162 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 3.7% share · #4 of 54 inst. · $7.0B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.45% | 1.28% | 1.48% | 1.57% | 1.53% | 1.55% | 1.56% | +8 bps | |
| Return on Equity | 10.57% | 10.92% | 9.70% | 11.13% | 11.70% | 11.49% | 11.88% | 11.86% | +73 bps | |
| Net Interest Margin | 3.48% | 3.42% | 3.31% | 3.41% | 3.44% | 3.27% | 3.50% | 3.49% | +8 bps | |
| Efficiency Ratio | 53.31% | 55.46% | 55.19% | 53.68% | 53.34% | 53.29% | 55.99% | 55.19% | +151 bps | |
| Non-Interest Burden | 1.30% | 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 / Loans | 0.57% | 0.56% | 0.51% | 0.66% | 0.65% | 0.76% | 0.78% | 0.70% | +5 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.29% | 0.36% | 0.28% | 0.25% | 0.23% | 0.34% | 0.27% | -1 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 9.97% | 9.90% | 10.06% | 10.05% | 9.77% | 9.82% | 9.78% | -28 bps | |
| Total Risk-Based Capital | 13.72% | 13.62% | 13.78% | 13.90% | 13.96% | 13.18% | 14.35% | 14.05% | +15 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.73% | 80.91% | 81.34% | 80.75% | 80.33% | 80.18% | 74.53% | 77.34% | -341 bps | |
| Liquid Assets / Assets | 0.43% | 0.42% | 0.42% | 0.39% | 0.39% | 0.28% | 0.22% | 0.21% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |