First Financial Bank

Cincinnati, Ohio, Hamilton County

$22.4B in total assets, the 100th largest of 4,309 US banks and 6th of 160 headquartered in Ohio.

At a glance

Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$22.4B	49%	$22.5B
Loans	$13.8B	46%	$14.5B
Deposits	$17.8B	48%	$18.4B
Return on assets	1.58%	78%	1.29%
Net interest margin	4.20%	82%	3.61%
Efficiency ratio	55.2%	51%	55.1%
Equity to assets	13.38%	79%	11.57%
Loans to deposits	77%	24%	87%

Total assets grew 7.0% a year over the last 5 years and 10.4% a year over 10 years, including 3 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Jan 2026	BankFinancial, National Association Olympia Fields, IL	$1.4B
Nov 2025	Westfield Bank, FSB Westfield Center, OH	$2.1B
Apr 2018	MainSource Bank Greensburg, IN	$4.6B
Aug 2014	The Guernsey Bank Worthington, OH	$121M
Aug 2014	The First Bexley Bank Bexley, OH	$330M
Aug 2014	Insight Bank Worthington, OH	$250M
Sep 2009	Irwin Union Bank and Trust Company Columbus, IN	$2.8B
Sep 2009	Irwin Union Bank, F.S.B. Louisville, KY	$518M
Jul 2009	Peoples Community Bank West Chester, OH	$606M
Aug 2005	Sand Ridge Bank Highland, IN, an affiliate under the same holding company	$902M
Aug 2005	Community First Bank & Trust Celina, OH, an affiliate under the same holding company	$929M
Mar 2005	Heritage Community Bank Columbus, IN, an affiliate under the same holding company	$254M
Jul 2002	Hebron Deposit Bank Hebron, KY, an affiliate under the same holding company	$102M
Jul 2000	Home Federal Bank, a Federal Savings Bank Hamilton, OH, an affiliate under the same holding company	$330M
Feb 1984	The Peoples Banking Company of Lewisburg Lewisburg, OH	n/a
Dec 1982	First National Bank in Camden Camden, OH	n/a
Jul 1980	First National Bank of Middletown Monroe, OH	n/a

162 branches in 65 counties.

County	Deposits	Market share	Rank
Hamilton County, OH	$3.8B	2.5%	4 of 32
Butler County, OH	$2.0B	24.3%	2 of 21
Bartholomew County, IN	$1.0B	51.1%	1 of 9
Lake County, IN	$948M	5.9%	6 of 16
Cook County, IL	$793M	0.2%	37 of 90
Medina County, OH	$623M	10.9%	2 of 17

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 55 branches since 2016 (107 to 162, +51.4%). 19 opened, 100 acquired, 64 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				107
2016	Opened CincinnatiClosed 6 in 2 states	1	6	−5	102
2017	Opened CentervilleClosed 8 in 3 states	1	8	−7	95
2018	Acquired MainSource BankOpened Cincinnati and Gary, closed 12 in 2 states	76	12	+64	159
2019	Opened CincinnatiClosed 10 in 3 states	1	10	−9	150
2020	Opened 3 in 2 statesClosed 6 in 2 states	3	6	−3	147
2021	Opened 3 in 2 statesClosed 6 in 3 states	3	6	−3	144
2022	Opened MasonClosed 9 in 2 states	1	9	−8	136
2023	Opened CincinnatiClosed 3 in 2 states	1	3	−2	134
2024	Opened IndianapolisClosed 4 in 2 states	1	4	−3	131
2025	Acquired Westfield Bank, FSBOpened Grand Rapids and Milford	9	0	+9	140
2026 through Q2	Acquired BankFinancial, National AssociationOpened 3 in 2 states	22	0	+22	162

Type	This bank	Peers
Business (C&I)	31%	17%
Commercial real estate	25%	25%
1-4 family residential	22%	21%
Multifamily	6%	8%
Construction and land	5%	6%
Consumer	1%	10%
Farmland	1%	1%
Agricultural	1%	1%
Other	9%	13%

Type	This bank	Peers
Other interest-bearing	57%	62%
Noninterest-bearing	22%	20%
Time deposits	21%	18%

Brokered deposits are 6.9% of deposits (peers 7.3%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-financial-bank-cincinnati-oh