- CEO
- James Michael Anderson
- Full Time Employees
- 2,021
- Sector
- Financial Services
- Industry
- Banks - Regional
- Address
- 255 East Fifth Street Cincinnati OH United States of America 45202
- IPO Date
- Dec 21, 1983
- Business
- First Financial Bancorp. (Nasdaq: FFBC) operates as the bank holding company for First Financial Bank, which provides commercial banking and related financial services to individuals, businesses, and communities primarily in Ohio, Indiana, Kentucky, Illinois, and Michigan. Founded in 1863 and headquartered in Cincinnati, Ohio, the company offers a comprehensive range of deposit products, including checking and savings accounts, interest-bearing and non-interest-bearing demand deposits, time deposits, and cash management services; lending solutions such as residential real estate loans for one- to four-family housing, commercial real estate loans for owner-occupied and investor properties including apartments, shopping centers, and office buildings, commercial and industrial loans for inventory, receivables, equipment, and franchise financing, consumer loans encompassing new and used vehicle financing, second mortgages, unsecured personal loans, and home equity lines of credit; and specialized services like secured commercial financing for the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees, alongside trust and wealth management, lease and equipment financing, currency payments, foreign exchange hedging, commodities hedging, advisory products, mortgages, and leasing through business segments including commercial, retail banking, investment commercial real estate, and consumer banking. First Financial Bank maintains approximately 127 banking centers across its five-state footprint, with targeted expertise in niche lending areas such as agriculture loans, pharmacy loans, pet care loans, and logistics route loans, serving retail clients, small- to medium-sized businesses, and specialized commercial sectors while emphasizing digital transformation for efficiency and expanded customer outreach. In recent developments, First Financial Bancorp agreed in June 2025 to acquire Westfield Bancorp, the $2.2 billion-asset holding company of Westfield Bank, FSB, for approximately $325 million in an all-stock transaction expected to close in the fourth quarter of 2025 pending regulatory approvals, thereby expanding its Northeast Ohio presence with additional retail branches, commercial banking, insurance agency, and private banking capabilities while growing total assets to over $20.6 billion and enhancing credit capacity for clients; the company also announced in August 2025 an agreement to acquire Chicago-based BankFinancial Corporation in an all-stock deal, incorporating 18 financial centers and bolstering its Chicagoland commercial and retail operations. These strategic acquisitions build on prior expansions into markets like Chicago, Cleveland, and Grand Rapids, alongside ongoing digital initiatives that have improved net profit margins to 31.6% through cost efficiencies and process enhancements, positioning the institution for sustained revenue growth amid demographic shifts and diversified services.