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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

First Financial Bank

Cincinnati, Ohio · $22.35B in assets · beside the 7 other Ohio banks over $10B

The filing

13.4%
Equity / assets
1st of 8
0.70%
NPA / loans
2nd of 8
2.0x
Coverage of noncurrent
2nd of 8

First Financial Bank is the sixth largest of the 8 Ohio banks over $10B, with $22.35B in assets at 30 June 2026. Loans are 77.3% of deposits, 5th of 8 against a median of 76.8%, and equity is 13.4% of assets, the highest in the cohort. Loans grew +16.6% in the year, 4th of 8, and deposits grew 21.7%; the cohort's median loan growth is +13.0%.

Noncurrent loans are 0.70% of the book, 2nd of 8 against a median of 0.85%; 0.19% is 30 to 89 days past due, and the allowance covers them 2.0 times. Net charge-offs are 0.27% of loans, 4th of 8. Commercial real estate is 28.4% of loans, 7th of 8 against a median of 12.3%, and 169% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 1.52%, 3rd of 8 against a median of 1.25%, on an efficiency ratio of 57.5%, 5th of 8. Five years ago it was 1.36%. The question is what the capital is for: the balance sheet carries less risk than it could.

Equity as a share of assetsOH banks over $10B · 30 June 2026 · higher is stronger, listed first
median 10.8% FF First Financial Bank 13.4% FT Fifth Third Bank N.A. 12.6% PN Park National Bank 12.4% HN Huntington National Bank 11.8% KN KeyBank National Association 9.9% TF Third Federal Savings & Loan Association of Cleveland 9.9% US U S Bank National Association 9.8% JC JPMorgan Chase Bank N.A. 8.3%
Loans, year over yearOH banks over $10B · 30 June 2026 · no better direction, largest first
median +13.0% FT Fifth Third Bank N.A. +45.8% HN Huntington National Bank +40.9% PN Park National Bank +22.2% FF First Financial Bank +16.6% JC JPMorgan Chase Bank N.A. +9.4% US U S Bank National Association +8.1% KN KeyBank National Association +4.3% TF Third Federal Savings & Loan Association of Cleveland +3.6%

SBA 7(a), FY2008 to FY2026

First Financial Bank is the 6th largest 7(a) lender into Ohio of 361, with $349M across 970 loans, 2.3% of everything approved in the state (The Huntington National Bank leads with $5.20B). 114 of its 152 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hamilton, OH$75M3rd of 1225.3%-1.5 pts
Franklin, OH$57M8th of 1662.6%-3.2 pts
Montgomery, OH$39M3rd of 1115.0%-1.1 pts
Marion, IN$37M10th of 1722.3%-0.3 pts
Butler, OH$34M3rd of 827.1%-1.0 pts
Jefferson, KY$27M6th of 1233.2%+0.7 pts
Warren, OH$22M3rd of 885.8%quiet FY2021
Cuyahoga, OH$18M22nd of 1450.9%+0.7 pts
Johnson, IN$17M2nd of 807.5%-3.8 pts
Bartholomew, IN$14M1st of 4811.8%-9.8 pts
Medina, OH$12M6th of 574.0%+4.0 pts
Hamilton, IN$11M22nd of 1321.3%-1.1 pts
Greene, OH$11M3rd of 435.7%-3.3 pts
139 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing256$133M21.2%0.34%50th of 2,246
Accommodation & food services221$77M12.3%0.10%171st of 2,596
Retail trade220$68M10.8%0.11%145th of 2,589
Construction187$68M10.7%0.21%76th of 2,063
Professional & technical services189$52M8.2%0.16%88th of 1,955
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and First Financial Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First Financial BankRankCohort median
Total CRE against capital, the 300% screen169%7th of 867%
Construction against capital, the 100% screen29%7th of 816%
Construction and land development, share of loans4.9%7th of 82.7%
Non-owner-occupied nonfarm nonresidential, share of loans17.6%7th of 85.2%
Total CRE, the guidance definition, share of loans28.4%7th of 812.3%
CRE growth over 36 months, the third prong+9.0%5th of 8+8.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
JPMorgan Chase Bank N.A.$4091.32B1.5%54.5%0.78%0.60%1.7%55.4%8.3%
U S Bank National Association$705.55B1.2%56.1%1.45%0.52%1.8%76.3%9.8%
Fifth Third Bank N.A.$299.18B0.9%68.0%0.84%0.31%1.6%74.5%12.6%
Huntington National Bank$283.07B1.0%61.7%1.06%0.24%1.7%84.2%11.8%
KeyBank National Association$188.56B1.3%54.9%0.86%0.39%1.3%70.6%9.9%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Financial BankCohort median
20212026Change20212026Change
Loans$9.54B$13.77B+44%$108.07B$145.60B+35%
Deposits$12.64B$17.80B+41%$148.24B$192.80B+30%
NPA / loans0.91%0.70%-0.20 pts0.97%0.85%-0.12 pts
Efficiency57.4%57.5%+0.0 pts59.8%56.8%-3.0 pts
ROA1.36%1.52%+0.17 pts1.39%1.25%-0.14 pts

This read was prepared for First Financial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Financial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks over $10B
Institution www.bankatfirst.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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