Question 1

What is First Financial Bank (Ohio)?

Accepted Answer

First Financial Bank (Ohio) is a regional commercial bank headquartered in Cincinnati, Ohio, with approximately $18.5 billion in assets. It operates 135 full-service banking centers throughout Ohio, Indiana, Kentucky, and Illinois, making it the fourth-largest bank in Cincinnati and the second-largest locally-based bank in the region.

The bank provides comprehensive banking and financial services to business and consumer clients through three main lines of business: commercial banking, consumer banking, and wealth management. First Financial Bank also operates a Commercial Finance division that provides nationwide lending to targeted industry verticals.

Question 2

When was First Financial Bank (Ohio) founded?

Accepted Answer

First Financial Bank was founded in 1863 as the First National Bank of Hamilton in Hamilton, Ohio. It was granted national bank charter number 56 on August 10, 1863, under the National Bank Act, making it the sixth oldest national bank charter in the United States.

The bank opened for business on August 15, 1863, in Hamilton, Ohio. In 1923, it expanded its services by creating a trust division and changed its name to First National Bank and Trust Company of Hamilton. The bank underwent significant transformation in 1980 when it consolidated with the First National Bank of Middletown to form the First National Bank of Southwestern Ohio. First Financial Bancorp, the holding company, was formed in 1983.

Question 3

Where is First Financial Bank (Ohio) headquartered?

Accepted Answer

First Financial Bank is headquartered in Cincinnati, Ohio. The bank's holding company offices are located in the Chemed Center building (renamed First Financial Center) in downtown Cincinnati, while operational centers are located in the northern Cincinnati suburb of Springdale and in Greensburg, Indiana.

Question 4

Where does First Financial Bank (Ohio) operate?

Accepted Answer

First Financial Bank operates 135 full-service banking centers across four states: Ohio, Indiana, Kentucky, and Illinois. The bank has significant presence throughout the greater Cincinnati metropolitan area and maintains locations in major markets across its four-state footprint.

Through its Commercial Finance division, First Financial extends its lending capabilities nationwide to targeted industry verticals. The bank recently expanded into the Chicagoland area through regulatory-approved acquisitions and continues to grow its presence in key Midwestern markets.

Question 5

What services does First Financial Bank (Ohio) offer?

Accepted Answer

First Financial Bank provides traditional banking services including personal and business checking accounts, savings and money market accounts, certificates of deposit, and various lending products. The bank offers commercial and retail banking, investment commercial real estate financing, mortgage banking, and commercial finance services.

The Wealth Management division provides comprehensive financial planning services including wealth planning, portfolio management, trust and estate administration, brokerage services, and retirement plan services. First Financial Wealth Management manages approximately $15.9 billion in assets. The bank also operates Bannockburn Global Forex division, offering capital markets trading services.

Digital banking services include online and mobile banking, treasury management solutions through f1RSTNAVIGATOR for business clients, and remote deposit capture.

Question 6

What makes First Financial Bank (Ohio) unique?

Accepted Answer

First Financial Bank stands out for its remarkable longevity and stability, holding the sixth oldest national bank charter in the United States with over 160 years of continuous operation. The bank has demonstrated strong financial performance with a return on equity of 11.7% and return on assets of 1.57%.

First Financial has grown strategically through carefully selected acquisitions, including the transformative $1 billion acquisition of MainSource Bank in 2018, which significantly expanded its footprint and capabilities. Despite its growth, the bank maintains its commitment to relationship-based banking and local decision-making, positioning itself as a community-focused institution with the resources of a regional bank. The bank's efficient operations and strong capital position have earned it recognition as a well-managed financial institution.

Question 7

What type of financial institution is First Financial Bank (Ohio)?

Accepted Answer

First Financial Bank is a National Bank operating under federal charter. As a regional commercial bank, it serves both retail and commercial clients across multiple states while maintaining strong community ties.

The bank operates as the wholly-owned subsidiary of First Financial Bancorp, a publicly traded bank holding company listed on NASDAQ. First Financial Bank combines the advantages of a regional bank's resources and capabilities with the personalized service and local market knowledge of a community bank, making it well-suited to serve businesses, families, and individuals throughout its four-state region.

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