First Financial Bank
Cincinnati, OH
IDRSSD: 165628
Total Assets
$20.99B
Latest filing
Total Deposits
$16.76B
Latest filing
Net Interest Margin
4.32%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042200910CINCINNATI, OH
Key People
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Locations
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Main Office
First Financial Bank
255 E 5th St
Cincinnati, OH 45202
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1863FDIC Certificate 4419
Branches (161)
Page 1 of 23| Name | Address | City / State |
|---|---|---|
| First Financial Bank (Main) | 255 E 5th St | Cincinnati, OH |
| DOWNERS GROVE NATIONAL BANK BRANCH | 6301 Fairview Ave | Westmont, IL |
| KANKAKEE | 2000 W Court St | Kankakee, IL |
| HIGHLAND BRANCH | 2611 Highway Ave | Highland, IN |
| SUCCESS/LINCOLNSHIRE BRANCH | 1 Marriott Dr | Lincolnshire, IL |
| BREIEL BOULEVARD BRANCH | 815 S Breiel Blvd | Middletown, OH |
| MIDDLETOWN BRANCH | 300 N Main St | Middletown, OH |
| TRENTON BRANCH | 125 E State St | Trenton, OH |
Showing 7 of 161
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1863 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 45202 |
| State and County Number | 39061 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 1,986 |
| Domestic Offices | 135 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2026 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankatfirst.com |
| Data Updated | 01/30/2026 |
| CERT | 6600 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $20.99B |
| Total Deposits | $16.76B |
| Total Liabilities | $18.25B |
| Total Equity Capital | $2.74B |
| Net Income | $73.22M |
| Net Loans and Leases | $13.25B |
| Assets Per Employee ($Millions) | $9.7M |
| Bank Premises and Fixed Assets | $253.13M |
| Cash and Balances due from Depository Institutions | $771.46M |
| Deposits Held in Domestic Offices | $16.76B |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 11.12% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 53.17% |
| Tier 1 Risk-Based Capital Ratio | 1,888,694% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.04% |
| Earning Assets to total Assets | 85.26% |
Income and Expense
| Total Interest Income | $265.33M |
| Total Noninterest Income | $75.08M |
| Total Interest Expense | $84.18M |
| Total Noninterest Expense | $140.16M |
| Net Interest Income | $181.15M |
| Pre-tax Net Operating Income | $105.97M |
| Provision for Credit Losses | $10.10M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $184.00k |
| Other borrowed funds | $699.51M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $777.87M |
| Total Liabilities and Capital | $20.99B |
Securities
| Securities | $4.04B |
| Available-for-sale debt securities | $3.97B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $58.55M |
| Subordinated Debt | $7.50M |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Financial Bank?
$20.99B as of the latest filing.
How much are First Financial Bank's total deposits?
$16.76B in total deposits.
Where is First Financial Bank located?
Cincinnati, OH.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
135.
When was it established?
01/01/1863.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$13.25B (latest filing).
What is the total interest income (latest filing)?
$265.33M.