First Financial Bank (FDIC #6600): Bank Stress & Real-Estate Credit Exposure

First Financial Bank (FDIC Cert #6600): bank stress 47/100, moderate, STABLE over 7 days; parent FIRST FINANCIAL BCORP.

First Financial Bank (#6600) lends in 65 counties across 5 states; First Financial Bank (#6600) reaches 1,273 ZIP codes: Indiana 33 counties, 377 ZIPs; Ohio 18 counties, 439 ZIPs; Illinois 7 counties, 341 ZIPs; Kentucky 6 counties, 77 ZIPs; Michigan 1 county, 39 ZIPs.

First Financial Bank (#6600) largest markets: Cook County, IL (1,958 branches, 178 ZIPs) (#6600), Hamilton County, OH (1,160 branches, 58 ZIPs) (#6600), Cuyahoga County, OH (104 branches, 52 ZIPs) (#6600), Franklin County, OH (200 branches, 50 ZIPs) (#6600), Will County, IL (45 branches, 45 ZIPs) (#6600), Summit County, OH (86 branches, 43 ZIPs) (#6600).

First Financial Bank (#6600) reports $22.35 billion in total assets; First Financial Bank (#6600) equity $2.99 billion (13.4% of First Financial Bank (#6600) assets); First Financial Bank (#6600) domestic deposits $17.80 billion; First Financial Bank (#6600) net income $171.7 million; First Financial Bank (#6600) return on assets 1.56%; First Financial Bank (#6600) return on equity 11.86%; First Financial Bank (#6600) net interest income $393.5 million; First Financial Bank (#6600) call report June 30, 2026.

First Financial Bank (#6600) noncurrent real-estate loans 0.07% of its book; First Financial Bank (#6600) residential 0.15%; First Financial Bank (#6600) net charge-offs on real estate 0.84%; First Financial Bank (#6600) multifamily charge-offs 1.19%; First Financial Bank (#6600) residential charge-offs 0.99%.

First Financial Bank (#6600) net interest margin 4.20% against an eight-quarter First Financial Bank (#6600) average of 4.13% (First Financial Bank (#6600) compression -0.07 points); First Financial Bank (#6600) real-estate loans 7.2% of equity; First Financial Bank (#6600) non-residential real estate 99.3% of equity; First Financial Bank (#6600) rate-exposure score 40/100, First Financial Bank (#6600) fixed-rate trap 40/100; First Financial Bank (#6600) risk type credit driven; First Financial Bank (#6600) rate regime rates elevated, First Financial Bank (#6600) snapshot October 19, 2026.

First Financial Bank (#6600) stress score held at 47.4 across 116 daily snapshots, June 22, 2026 to October 19, 2026.

First Financial Bank (#6600) alerts: 39 counties; top First Financial Bank (#6600) alert scores: Van Wert County, OH 42 (moderate); Paulding County, OH 41 (moderate); Madison County, OH 37 (moderate); Harrison County, OH 36 (moderate); Franklin County, OH 35 (low).