FFBC First Financial Bancorp.

Margins & Returns

First Financial Bancorp. (FFBC) functions as the parent company for First Financial Bank, delivering a comprehensive suite of commercial banking and associated financial services to both individual consumers and corporate clients. Its operational footprint spans across Ohio, Indiana, Kentucky, and Illinois. The institution offers a diverse range of deposit solutions, including both interest-accruing and noninterest-bearing accounts, fixed-term deposits, and sophisticated cash management tools tailored for its business customers. The company's lending activities are extensive, covering real estate loans secured by residential properties—from single-family homes to multi-unit dwellings—as well as commercial properties such as owner-occupied business sites, income-generating apartments, shopping centers, and office buildings. Furthermore, it provides commercial and industrial loans to finance inventory, accounts receivable, and equipment acquisition. For individual borrowers, the bank offers consumer loans for new and used vehicles, second mortgages on homes, unsecured personal loans, and home equity lines of credit. Beyond its core banking offerings, First Financial Bancorp. extends specialized commercial financing to particular sectors, including the insurance industry, registered investment advisors, certified public accounting firms, indirect auto finance companies, and restaurant franchise operators. The bank also provides comprehensive trust and wealth management services, alongside lease and equipment financing solutions. As of December 31, 2021, the company maintained an extensive network of 139 full-service banking centers, 29 of which were leased facilities. This network included 62 branches in Ohio, 3 in Illinois, 62 in Indiana, and 12 in Kentucky. First Financial Bancorp. was established in 1863 and its headquarters are located in Cincinnati, Ohio.