First Financial Bancorp
First Financial Bancorp is a Cincinnati-based publicly traded regional bank holding company providing commercial lending, lease financing, and deposit services through a Midwest financial center network spanning Ohio, Illinois, and broader Midwestern markets.
- Company typePublic
- Founded1992
- HeadquartersLos Angeles, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What First Financial Bancorp does
First Financial Bancorp generates revenue through traditional banking operations, primarily net interest income from its $13.4 billion loan portfolio and fee income from deposit and lease financing products. Its commercial banking segment serves business customers with lending and lease arrangements, while its retail banking segment serves consumer deposit customers through the physical financial center network. Customer acquisition and service delivery rely on regional branch presence, direct commercial relationships, and traditional investor relations communications rather than technology-led channels.
The company's strategic positioning centers on an aggressive regional roll-up strategy. In November 2025, First Financial completed the acquisition of Westfield Bancorp, Inc. and Westfield Bank, FSB in a cash and stock transaction, and in January 2026, it completed the all-stock acquisition of Chicago-based BankFinancial Corp. These transactions added 18 financial centers in the Chicago market and expanded the company's Midwestern footprint. The acquisitions were funded in part through a $300 million subordinated notes offering priced in November 2025. First Financial pays a $0.25 per share quarterly cash dividend, reflecting its public-company shareholder return orientation.
First Financial Bancorp firmographics
Firmographics- Name
- First Financial Bancorp
- Legal name
- First Financial Bancorp
- Website
- https://ffbcorp.com
- Company type
- Public
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- First Financial Bancorp is a Cincinnati-based publicly traded regional bank holding company providing commercial lending, lease financing, and deposit services through a Midwest financial center network spanning Ohio, Illinois, and broader Midwestern markets.
- Ownership category
- akta.pro rank
First Financial Bancorp industry classification
Industry- Product category
- Regional Commercial and Retail Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), Commercial Banks, Nec (6029)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
Keywords
Where First Financial Bancorp is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
First Financial Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Banking Operations: First Financial Bancorp operates as a bank holding company generating revenue through interest income on loans, lease financing income, and deposit-related fees. Core banking services including commercial lending, lease arrangements, and deposit products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Quarterly cash dividend |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels1 record
First Financial Bancorp product offering
Product offeringCore offering
First Financial Bancorp is a Cincinnati, Ohio-based bank holding company that provides commercial lending, lease financing, deposit services, and trust services to business and consumer customers through its banking subsidiaries. The company generates revenue primarily through interest income on loans, lease financing income, and deposit-related fees. Following the November 2025 Westfield Bancorp acquisition and January 2026 BankFinancial acquisition, it operates an expanded Midwest branch network with approximately $22 billion in combined assets.
Product overview
First Financial Bancorp is a regional bank holding company providing banking and financial services. The company offers a range of banking services including commercial lending, lease financing, deposit services, and trust services through its banking subsidiaries. The company operates as a traditional banking institution rather than a technology product company. No specific named product modules, digital platforms, or software offerings are described in the available sources.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Lending
Companies that use First Financial Bancorp
Customer profileSegments2 records
Ideal customer profiles2 records
First Financial Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
First Financial Bancorp partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- BankFinancial CorporationcoreFirst Financial completed all-stock acquisition of Chicago-based BankFinancial Corporation on January 2, 2026. The transaction created a combined entity with $22 billion in assets, adding 18 financial centers. The deal expands First Financial's commercial lending, lease, and deposit capabilities in the Chicago market. BankFinancial continued operating under its current name until system conversion anticipated in June 2026.
Scale indicators8 records
Recent moves5 records
Expansion highlights4 records
First Financial Bancorp competitors and assessment
Company assessmentDirect peers
- Old National Bancorp: Midwest-headquartered community bank that has pursued a multi-state acquisition strategy; comparable regional banking M&A playbook and overlapping Midwestern footprint.
- First Merchants Corporation: Indiana-based commercial banking franchise of similar size to First Financial, with comparable commercial lending, lease financing, and deposit-gathering focus in the Midwest.
- KeyCorp: Cleveland-based regional bank with overlapping Ohio and broader Midwest commercial banking franchise; comparable size and product mix including commercial lending and deposit services.
- Huntington Bancshares Incorporated: Ohio-headquartered regional bank with overlapping Midwest footprint, similar commercial banking franchise, and comparable mid-cap regional bank scale; a primary Ohio-based competitor to First Financial's core market.
- Byline Bancorp: Chicago-focused community commercial bank; comparable in scale and community-banking orientation to BankFinancial prior to acquisition, and a relevant proxy for First Financial's emerging Chicago franchise.
- Fifth Third Bancorp: Cincinnati-based regional bank holding company operating in the same Midwestern footprint; competes head-to-head for commercial lending and deposit customers in First Financial's home market.
- Wintrust Financial Corporation: Chicago-area regional bank holding company with comparable asset size, community-banking branch model, and commercial lending/lease financing focus; directly comparable given First Financial's BankFinancial-driven entry into the Chicago market.
Broad incumbents
- PNC Financial Services Group: Larger super-regional bank headquartered in Pittsburgh with significant Midwest operations including Ohio and Illinois; competes with First Financial in commercial banking and deposits at the upper end of the market.
- U.S. Bancorp: Large diversified regional bank with deep Midwest presence; competes across commercial lending, deposits, and lease financing, but at materially larger scale and broader geographic footprint than First Financial.
Regional players
- Park National Corporation: Ohio-based community-oriented bank holding company; comparable in Ohio-market deposit and commercial lending focus, though more regionally concentrated than First Financial's expanded Midwest footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
First Financial Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Financial Bancorp leadership team
Management profileNumber of profiles
Profiles1 record
First Financial Bancorp subsidiaries and ownership
Company hierarchySubsidiaries3 records
First Financial Bancorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Financial Bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Financial Bancorp
What does First Financial Bancorp do?
First Financial Bancorp is a Cincinnati, Ohio-based bank holding company that provides commercial lending, lease financing, deposit services, and trust services to business and consumer customers through its banking subsidiaries. The company generates revenue primarily through interest income on loans, lease financing income, and deposit-related fees. Following the November 2025 Westfield Bancorp acquisition and January 2026 BankFinancial acquisition, it operates an expanded Midwest branch network with approximately $22 billion in combined assets.
Is First Financial Bancorp a public or private company?
First Financial Bancorp is a public company. It is classified as public and is currently operating.
When was First Financial Bancorp founded?
First Financial Bancorp was founded in 1992. It employs 11 to 50 people.
Where is First Financial Bancorp based?
First Financial Bancorp is headquartered in Los Angeles, United States, in the North America region.
How does First Financial Bancorp make money?
One revenue line is on record: banking Operations.
Who are First Financial Bancorp's main competitors?
Direct peers on record are Old National Bancorp, First Merchants Corporation, KeyCorp, Huntington Bancshares Incorporated, Byline Bancorp, Fifth Third Bancorp and Wintrust Financial Corporation. Broad incumbents are PNC Financial Services Group and U.S. Bancorp. Park National Corporation is listed as a regional player.
Does First Financial Bancorp have an API?
No public API is recorded for First Financial Bancorp.
What industry is First Financial Bancorp in?
First Financial Bancorp's product category is Regional Commercial and Retail Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.