# FIRST FINANCIAL BANK
CINCINNATI, OH · FDIC certificate 6600 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $22.35B | |
| Deposits | $17.80B | |
| Loans and leases | $13.77B | |
| Total equity | $2.99B | |
| Loans / deposits | 76.28% (p26 of band) | 85.78% |
| Liquid assets / assets | 24.92% (p60 of band) | |
| Uninsured deposits / deposits | 41.88% (p61 of band) | 38.39% |
| Brokered deposits | 5.52% | |
| Wholesale funding | 8.35% (p53 of band) | |
| FHLB advances / assets | 2.55% | |
| Tier 1 leverage | 9.78% (p38 of band) | 10.17% |
| Unrealized securities loss / equity | -8.99% (p43 of band) | -7.43% |
| AOCI / equity | -1.13% (p13 of band) | |
| ROA (annualized) | 1.56% (p75 of band) | 1.24% |
| Net interest margin | 4.20% (p83 of band) | 3.57% |
| Efficiency ratio | 55.19% (p53 of band) | |
| Noncurrent loans | 0.70% (p55 of band) | 0.66% |
| Net charge-offs (annualized) | 0.17% (p73 of band) | |
| Reserve coverage of noncurrent | 196.19% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 22.54% (p39 of band) | |
| Auto loans | $44.2M (0.32% of loans; DQ 2.21%, NCO 0.00%) | |
| Loans to nondepository financials | $464.8M (16% of equity) (p64 of band) | |
| Deposits YoY | 21.7% | |
| Employees | 2371 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | deposits shrinking |  |
| 2012-12 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2013-03 | 5 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 4 |  | capital falling |
| 2013-09 | 2 |  | deposits shrinking, noncurrent p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 | wholesale funding >15% | capital falling |
| 2016-06 | 0 |  | wholesale funding >15% |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | wholesale funding >15% |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 1 |  | wholesale funding >15% |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | wholesale funding >15% |  |
| 2023-09 | 0 |  | wholesale funding >15% |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | wholesale funding >15%, capital falling |  |
| 2024-09 | 0 |  | wholesale funding >15%, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-16 [FC Cincinnati and First Financial Bank Launch "First Match on Us" Program - FC Cincinnati](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRjJoWXktSUh3cGMyU1I2QjVHam9kR2pFOVVsNWZIYTktNlpjaXV6aTNUZ3R1aDBsUGdmcDdKaWdUbFJCekEtMDMwTElzRjlLVWNGTjNFVXUtMk9WczZ1MENXMGM2YVZ5dnB0TXJLV09pRlNwNi1WUkZfTnk0V3E0MlRaRWZZS0JEOFhTMFpLVVRxU1pxVktCeHowNU9kSTBwdV9DUmZwenc?oc=5) · FC Cincinnati
- 2026-08-06 [FIRST FINANCIAL BANK ABILENE REGION ANNOUNCES LEADERSHIP TRANSITION AND EXECUTIVE PROMOTIONS - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDZaTFVHc3djdjQ1ZmFWR2NadExrQWZwVDZ6aHFha0RiVWpzb0h2dG5NZjZ5ck1rdGotWEVSNE1ka05WSldRZXE3YWJRWWZXNWVFc2U1UTJjeE5DZGN3ZThTclNpdVJOT1BMeGFQVno0YWpMZzUyUnNSV3FWVUp5Ml9nN2F3NkQyVzBFQUw4RVg3YmhEbEJNS0YxVXE5bHU5YkFRTDNZbFdxMGZhcklqalBqelZULTUtblotZVVJZE4wT2hWczRFeWQ0MnlURzhCb0E5U3VDUndUZDljVjZubFJ3?oc=5) · PR Newswire
- 2026-09-06 [A new name for banking in Springfield - Capitol City Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRHNoQjFGVWJGTXMxYVYwQjZKajE5U3JJSWVaSjVHQU9tUTVJV0RTZkZSdVJaSmg4TzVHWExTRkxRMDBTclBBMy1uVDM3WmNNd21SWXBPNG5qNjZOaHItUkozWUQ5VS1Ca0djd0RWLUQzTW52eV9kSHZxcEJwZUI2ZmJaMA?oc=5) · Capitol City Now
- 2026-08-27 [First Financial Corporation and First Illinois Corporation Sign Merger Agreement - GlobeNewswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOX2xqcXdPMGJaUUxCMWVqb0E4X29ZWEFVdWlOamdkWGt3WktEY0d0M3JDY2RZSTd2emg4SmRzdzhKanZKdjR3QlFmdHhNQjdHWnZVb3hqdWFXUlk4R3ZhbzJmeXhuWFlYS05CaktIQ3Y5ZlFfbHR6MTdJbUJjODFGLWdkRTVXOFpfSXYzdVY2MEl0dXBLd2x5MENOOE1yN0NUUUdFVVIwaTNySlpXdnJDamg4YjMyMzl4NG5yYkZNRER0Ty1ZeHlIekFTcURwN3VBZUhOS0V3NUVXc2RnS0lST1VLemhEelE?oc=5) · GlobeNewswire
- 2026-08-28 [First Financial Bank details $111M merger with Illinois bank - Inside INdiana Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTkFoZEc4RFBBUTFkNW5YQl9ac1VEY3lZVGI0N001TE9BU1k5MzFJU2NQbVBzNTlZeExfdGxZdmx2bkkwY0FpSXdtQXZZVG5QZXBlRlFBai05NWp3ZE1MRFZRcFR4MTB0TUJnSVExVHVsQ1g3Y09LU2xfVWt1MHExRnZETndwNVFxR2JVQWhPX1VpY1hVTU52eG92cjdOeDJyX2xUVmdiTG1hQQ?oc=5) · Inside INdiana Business
- 2026-09-04 [Football Friday Night Presented By First Financial Bank: Sep. 4, 2026 - KTXS](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYTl3OEVwZnd2ak5Qa2xQUjA2WFFYY0hlYlRjZW9CV3NrMG9NcS1CQ0tsdDlxcFRJaFV4dEYzaTJGSnd1Y1l1dy1KdHdqY25jbFlyTHhVU3g3bHZldi1CWGRCOGFEc3RzLXM3dkhCREJfamFKZUlfc3BtUTVhT3R4UDdnaHBlV2NVVi1TMnczaXBycTRJdC1mM2x3?oc=5) · KTXS
- 2026-09-04 [First Financial to acquire Finward in $208M stock deal | FFBC SEC Filing - Form S-4 - Stock Titan](https://news.google.com/rss/articles/CBMixAFBVV95cUxPVkpRVks5X2kwcVl6cEdzWkM1OXlraEZIOWFGWEZuNEFQVDh4RFVvdTFWak5UNlJ5Um40RFF3Yzhlc2UyM2c2cVhBc0dXaGRvZmRac1J6QUJuM3hoY1V2MzRXQnhfTDdTUzFsRm9TU1dTelVVbmNLYmk4X0Zfb1pXR0hudUVROFRfVGFHX0NyZHQwLTZZTkJiSHpjWmU5WXp3NnZ6S1BxSFQ3OVdBNVk0TFJfQ2xTLThWWEU0VnZQYWdjdzUw?oc=5) · Stock Titan
- 2026-06-16 [First Financial Bank completes integration of BankFinancial - ATM Marketplace](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVjJLTVgzN3g5aVVXQmR5ZWtkOFJkSXlUY3FOSFJubE5YS2UxV2lFNXZNZmxNYXlXRHgta0Y4ZEdrVk9iTkZnaFY2QUJLRVFPWng1MTM0WjBFSFM5NG9XdWZ2bDdneE53aUZkSTN6LTVKLWgwNGl4eVBNQTFZN2tiV3EzRmF2aXhRRDlCbU94cDNDMGRuZDByM1hlZXc?oc=5) · ATM Marketplace

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6600 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "6600", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide