First Financial Bancorp.
bankatfirst.comWhat Do They Do?
Provides commercial, real estate and consumer loans, deposit accounts and wealth-management services to individuals and businesses.
10-K for FY2025, filed Feb 19, 2026The range of banking services provided by First Financial to individuals and businesses includes commercial lending, real estate lending…View ↗
How Do They Make Money?
Most income is interest received on loans, leases and securities, minus interest paid on deposits and borrowed money. The bank also collects transaction fees when services are used, monthly account and wealth-management fees, and card and spot foreign-exchange fees when transactions occur.
10-K for FY2025, filed Feb 19, 2026First Financial’s principal source of income is net interest income, which is the excess of interest received from earning assets…View ↗
Service charges on deposit accounts. The Company earns revenues from its deposit customers for transaction-based fees, account maintenance…View ↗
Wealth management fees. Wealth management fees are primarily asset-based, but can also include flat fees based upon a specific service…View ↗
Bankcard income. The Company earns interchange fees from cardholder transactions conducted through the Visa payment network. Interchange…View ↗
Foreign exchange income. Foreign exchange income includes both spot and forward income in First Financial's Consolidated Statements of…View ↗
$1B
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10-K for FY2025, filed Feb 19, 2026
$1B ↗
Who Are Their Customers?
Individuals and businesses use First Financial's full-service banking centers in Ohio, Indiana, Kentucky and Illinois; business clients nationwide also use its specialized lending, equipment-financing and foreign-exchange services.
10-K for FY2025, filed Feb 19, 2026The range of banking services provided by First Financial to individuals and businesses includes commercial lending, real estate lending…View ↗
First Financial utilizes a community banking business model and serves a combination of metropolitan and non-metropolitan markets through…View ↗
We also compete on a nationwide basis through Oak Street, which lends to the insurance industry, registered investment advisors, certified…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 26 cents of every revenue dollar as net income in FY2025 and turned 32 cents into free cash flow.
10-K for FY2025, filed Feb 19, 2026
How Are They Changing?
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Jul 21, 2026
Agrees to acquire Finward Bancorp
The all-stock merger would combine Finward and Peoples Bank with First Financial and First Financial Bank, subject to approvals.
Sources
8-K, filed Jul 21, 2026
On July 21, 2026, First Financial Bancorp., an Ohio corporation (the “Company”), entered into an Agreement and Plan of Merger (the “Merger…View ↗
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Apr 23, 2026
Completes BankFinancial acquisition
The BankFinancial acquisition closed January 1, 2026.
Sources
8-K, filed Apr 23, 2026
Earnings per diluted share of $0.71; $0.77 on an adjusted(1) basis Return on average assets of 1.34%; 1.45% on an adjusted(1) basis Net…View ↗
Growing. Revenue grew 2.1x in 4 years, from $483.2M in FY2021 to $1B in FY2025, about 20% a year.
Commodities hedging
The latest report lists commodities hedging among Bannockburn's offerings, alongside currency payments, foreign-exchange hedging and advisory products.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 19, 2026Bannockburn Global Forex (Bannockburn), a division of the Bank, is an industry-leading capital markets firm based in Cincinnati, Ohio, that…View ↗
Bannockburn Global Forex (Bannockburn), a division of the Bank, is an industry-leading capital markets firm based in Cincinnati, Ohio, that…View ↗
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