First Financial Bancorp. FFBC

Company Overview

First Financial Bancorp. is a U.S. regional bank holding company headquartered in Cincinnati, Ohio, operating primarily through its wholly owned banking subsidiary, First Financial Bank. The company provides commercial banking, consumer banking, wealth management, treasury management, and specialized lending services to individuals, businesses, and public-sector clients. FFBC operates within the regional banking and financial services industry, with a business model centered on relationship-based banking across Midwestern markets.

The company’s primary revenue drivers include net interest income from commercial and consumer lending activities, along with noninterest income generated through wealth management, service charges, mortgage banking, leasing, and payment-related services. FFBC has historically focused on middle-market commercial clients, small businesses, municipalities, and retail banking customers across Ohio, Indiana, Kentucky, and Illinois. The company traces its roots to 1863 and has expanded through organic growth and acquisitions, including the acquisition of MainSource Financial Group in 2018, which significantly increased its scale and regional footprint in the Midwest.