First Financial Bank
- Company typePublic
- Founded2021
- HeadquartersTerre Haute, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What First Financial Bank does
First Financial Bank, operating as First Financial Bancorp (NASDAQ: FFBC), is a publicly traded regional community bank headquartered in Terre Haute, Indiana, with approximately $5 billion in combined assets and operations spanning Indiana, Illinois, Tennessee, and Kentucky. The bank offers a horizontally integrated suite of business banking services — including commercial lending, commercial real estate, agriculture and government loan programs, business checking/savings/CDs, credit cards, merchant services, accounts receivable/payable, and fraud protection — alongside consumer products (checking, savings, CDs, mortgages, construction loans, HELOCs, personal and auto loans, credit cards) and a wealth management and trust advisory offering for high-net-worth clients.
The company's core technology layer is a digital banking platform delivered via web, mobile, business, and wealth client portals, augmented by third-party integrations (Paymentus for loan payments, uChoose Rewards for card rewards, Fiserv for business card management, OrderMyChecks, and OneSite App for construction draws). There is no proprietary AI/ML capability disclosed. Distribution relies on a multi-state branch network complemented by digital channels and community-driven marketing, including a Refer-a-Friend program, Google Reviews-driven social proof, and CDFI partnerships.
First Financial generates revenue primarily through net interest income (lending margin against deposit and borrowing costs) and fee income from banking services, merchant services, mortgage origination, and wealth management. The company is pursuing an aggressive acquisition-led growth strategy — completing the Hancock Bancorp merger in 2021, Westfield Bank in Q4 2025, and Bank Financial in Q1 2026 (adding $228M in loans and $1.2B in deposits), with CedarStone Financial ($25M) pending in early 2026. FY2025 revenue was a record $922 million (+8% YoY); Q1 2026 showed 22% adjusted EPS growth and 24% fee income growth at a 3.99% net interest margin, with management guiding 6-8% organic loan growth for FY2026. Capital deployment includes a $300M subordinated debt issuance and a newly authorized 5 million-share repurchase program.
First Financial Bank firmographics
Firmographics- Name
- First Financial Bank
- Legal name
- First Financial Bank NA
- Website
- https://first-online.com
- Company type
- Public
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
First Financial Bank industry classification
Industry- Product category
- Retail and Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where First Financial Bank is headquartered
LocationHeadquarters
- HQ city
- Terre Haute
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
First Financial Bank 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
- Net Interest Income: Interest income from loans and securities minus interest paid on deposits and borrowings. Core banking revenue stream from net interest margin on lending activities.
- Fee Income: Non-interest fee income from banking services including merchant services, account fees, and other banking service charges. Q1 2026 adjusted fee income of $75 million, up 24% year-over-year.
- Commercial Banking Services: Revenue from business banking services including financing, checking, savings, credit cards, merchant services, accounts receivable/payable management, and fraud protection services
- Wealth Management: Trust and wealth management activities generating fees from managing client assets and providing financial advisory services
- Home Lending: Mortgage origination, home equity lines of credit (HELOC), construction loans, and mortgage refinance services for personal banking customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Home Equity Line of Credit (HELOC) promotional rate |
| Other | One time/ perpetual license | Referral Program |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
First Financial Bank product offering
Product offeringCore offering
First Financial Bank is a regional community bank providing deposit products, consumer and commercial lending, mortgage origination, merchant and treasury services, and trust and wealth management to individuals, small and mid-sized businesses, and high-net-worth clients. Offerings are delivered through a multi-state branch network across Indiana, Illinois, Tennessee, and Kentucky combined with online and mobile digital banking channels.
Product overview
First Financial Bank offers a comprehensive community banking platform serving both business and consumer customers through an integrated suite of products. The business segment provides financing solutions (general business loans, commercial real estate, small business express loans, agriculture loans, government programs), business banking (checking, savings, CDs, credit cards), and operational services (merchant services, accounts payable/receivable, fraud protection, workplace rewards). Consumer offerings include personal banking (checking, savings, CDs), home loans (mortgages, construction loans, refinance, HELOCs), and personal borrowing (personal loans, auto loans, credit cards). The bank also provides wealth and trust management services, all accessible through digital banking channels including online and mobile platforms. Recent acquisitions have expanded the bank's footprint, adding assets and deposits from Bank Financial and Westfield Bank.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Financing Comprehensive business lending products including general business loans, commercial real estate financing, express small business loans, agriculture loans, and government loan programs, targeted at small and mid-sized businesses needing access to capital.
- Business Banking Commercial deposit and card products including business checking accounts, savings accounts, business certificates of deposit, and business credit cards for daily operating financial management of small and mid-sized businesses.
- Business Services Operational banking services including accounts receivable, merchant services, accounts payable, fraud protection, money management, digital banking, and workplace rewards programs designed to streamline business financial operations.
- Personal Banking Consumer banking products including personal checking accounts, savings accounts, and certificates of deposit for individual financial management needs.
- Home Loans Residential mortgage products for consumers including new purchase mortgages, construction loans, mortgage refinance options, and home equity lines of credit (HELOC), currently featuring a 5% APR for 9 months promotional offer through 6/30/26.
- Personal Borrowing Consumer lending products including personal loans, auto loans, and credit cards for individual borrowing needs such as debt consolidation and major purchases.
- Wealth Management Trust and wealth management activities for high-net-worth individuals and families, including investment management and financial planning services, accessed through a dedicated wealth client portal.
- Digital Banking Online and mobile banking platform enabling customers to manage accounts, transfer funds, pay bills, deposit checks, and access banking services remotely via web and mobile applications.
Quantifiable outcome
- 22% year-over-year earnings per share growth in Q1 2026
- +4 more outcomes
Companies that use First Financial Bank
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
First Financial Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
First Financial Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- CDFI Friendly BloomingtonminorFirst Financial Bank joined Old National Bank and German American Bank in providing a $2.25 million line of credit to CDFI Friendly Bloomington to support community development projects in affordable housing, child care, and small businesses across 13 Indiana counties.
- Allies for Community BusinessminorPartnership through CDFI Friendly Bloomington's $50,000 loan program providing loans and business coaching to Bloomington entrepreneurs, particularly those in the Urban Enterprise Zone.
- Texas Bankers AssociationminorFirst Financial Bank participated in the Texas Bankers Association's First Statewide Day of Service, demonstrating community engagement commitment as part of the Texas Bankers Association's statewide initiative.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
First Financial Bank competitors and assessment
Company assessmentBroad incumbents
- Cadence Bank: Mid-sized regional bank with growing Tennessee presence post-Cadence/BancorpSouth combination; competing for similar commercial and consumer banking relationships.
- Regions Financial: Large regional bank incumbent with branches across the Southeast and Midwest; competes directly in Tennessee and surrounding states with broader product capabilities and digital scale.
- Fifth Third Bancorp: Major Midwest-headquartered regional bank with significant Indiana, Illinois, and Kentucky presence; broader suite of commercial, wealth, and capital markets products.
Direct peers
- Old National Bancorp: Direct Midwestern regional bank competitor headquartered in Indiana with overlapping footprint in Indiana, Illinois, Kentucky, and Tennessee, offering commercial, consumer, and wealth banking of similar scale.
- Stock Yards Bancorp: Louisville, KY-based community bank with adjacent Indiana operations; comparable commercial and wealth banking franchise serving the same regional customer base.
- First Mid Bancshares: Mid-sized Midwestern community bank with similar commercial and retail banking products across Illinois, Missouri, and Tennessee — a close geographic and operational analog.
- Lakeland Financial: Indiana-based community bank (Lake City Bank) with a similar commercial banking-led model serving small and mid-sized businesses across northern Indiana.
- S&T Bancorp: Western Pennsylvania-based community bank with comparable commercial banking and wealth management offerings; similar business model and acquisition-led growth history.
- Horizon Bancorp: Indiana-headquartered community bank with similar commercial lending and consumer banking focus across Indiana and Michigan, of comparable asset size.
- German American Bancorp: Indiana-based community bank with branches across southern Indiana and Kentucky; directly comparable in size, product mix, and regional focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
First Financial Bank social profiles
Digital presenceFirst Financial Bank compliance and trust
Trust signalCompliance3 records
First Financial Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Financial Bank leadership team
Management profileNumber of profiles
Profiles1 record
First Financial Bank subsidiaries and ownership
Company hierarchySubsidiaries3 records
First Financial Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Financial Bank M&A and investment
M&A and investmentM&A3 records
Investments9 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Financial Bank
What does First Financial Bank do?
First Financial Bank is a regional community bank providing deposit products, consumer and commercial lending, mortgage origination, merchant and treasury services, and trust and wealth management to individuals, small and mid-sized businesses, and high-net-worth clients. Offerings are delivered through a multi-state branch network across Indiana, Illinois, Tennessee, and Kentucky combined with online and mobile digital banking channels.
Is First Financial Bank a public or private company?
First Financial Bank is a public company. It is classified as public and is currently operating.
When was First Financial Bank founded?
First Financial Bank was founded in 2021. It employs 501 to 1,000 people.
Where is First Financial Bank based?
First Financial Bank is headquartered in Terre Haute, United States, in the North America region.
How does First Financial Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are fee Income, commercial Banking Services, wealth Management and home Lending.
Who are First Financial Bank's main competitors?
Broad incumbents on record are Cadence Bank, Regions Financial and Fifth Third Bancorp. Direct peers are Old National Bancorp, Stock Yards Bancorp, First Mid Bancshares, Lakeland Financial, S&T Bancorp, Horizon Bancorp and German American Bancorp.
Does First Financial Bank have an API?
No public API is recorded for First Financial Bank.
What industry is First Financial Bank in?
First Financial Bank's product category is Retail and Commercial Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6021.