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First Financial Bank
Cincinnati, OH·FDIC Cert #6600·Charter: STATE·Est. 18630101.0·HC: FIRST FINANCIAL BCORP
Total Assets
$21.0B
Q4 2025
Return on Assets
1.53%
-0.04%Peer avg: 1.14%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.29%
Peer avg: 53.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.53%-0.04
ROE
11.49%-0.21
Efficiency
53.29%-0.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%+0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.06%-0.15
Charge-offs
0.25%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.5 | 1.6 | 1.5 |
| ROE | 10.2 | 10.9 | 10.6 | 10.9 | 9.7 | 11.1 | 11.7 | 11.5 |
| Efficiency | 54.8 | 53.8 | 53.3 | 55.5 | 55.2 | 53.7 | 53.3 | 53.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.6 | 0.6 | 0.6 | 0.5 | 0.7 | 0.7 | 0.8 |
| Charge-offs | 0.4 | 0.3 | 0.3 | 0.3 | 0.4 | 0.3 | 0.2 | 0.3 |
| Loan/Deposit | 81.3 | 82.2 | 80.6 | 79.8 | 80.3 | 79.7 | 79.2 | 79.1 |
Balance Sheet
Total Assets$21.0B
Total Deposits$16.8B
Total Loans$13.3B
Total Equity$2.7B
Profitability
ROA1.53%
ROE11.49%
Efficiency Ratio53.29%
Net Income$290.2M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate0.25%
Loan/Deposit79.06%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans