Total Assets
$21.0B
Total balance-sheet footings
FDIC Cert #6600 · Cincinnati, Ohio · Est. 1863
First Financial Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $21.0B
- Total assets
- A
- Health grade · Excellent
- 1.53%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
First Financial Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.90% Tier 1, profitable at 1.53% ROA, efficient (53% cost ratio).
- #99
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 11.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Financial Bank's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Financial Bank's composite health score
Tier 1 Capital Ratio (11.90%) 28/40
Return on Assets (ROA) (1.53%) 25/25
Texas Ratio (3.50%) 20/20
Efficiency Ratio (53.29%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$16.8B
Customer-funded liabilities
Net Loans
$13.3B
Outstanding loan book
Net Income
$290M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Financial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Financial Bank's score of 85/100 falls in the highlighted band.
First Financial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Financial Bank's $21.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.90%
Texas Ratio
3.50%
Equity Capital
$2.7B
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.53%
Return on Equity (ROE)
11.49%
Efficiency Ratio
53.29%
What the numbers say about First Financial Bank
First Financial Bank is an FDIC-insured institution (Certificate #6600) headquartered in Cincinnati, Ohio, established in 1863. It holds $21.0B in total assets - 99th of 4,313 FDIC-insured banks, $16.8B in customer deposits, and $13.3B in net loans. Its capital position: a Tier 1 ratio of 11.90%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.50% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, First Financial Bank sits in the top decile of all FDIC-insured institutions by asset size (99th of 4,313), and within Ohio it ranks 6th of 158 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Third Federal Savings and Loan Associ…, at $17.5B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$1.0B
Interest Income
$275M
Non-Interest Income
$512M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Financial Bank reports a Texas Ratio of 3.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
National size peers: banks closest to First Financial Bank by assets
Measured strictly by total assets rather than geography, First Financial Bank's closest national peers include Seacoast National Bank, Optum Bank, Inc., The Central Trust Bank, Wilmington Savings Fund Society, FSB, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Ohio. Averaged across this asset-matched cohort, return on assets runs 1.53% (First Financial Bank is below that at 1.53%), the efficiency ratio averages 53.10% (First Financial Bank runs higher at 53.29%), and Tier 1 capital averages 14.11% (First Financial Bank holds less at 11.90%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $21.0B in assets, First Financial Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| First Financial Bank (this bank) | OH | $21.0B | 1.53% | 53.29% | 11.90% |
| Seacoast National Bank | FL | $20.8B | 0.91% | 57.67% | 13.82% |
| Optum Bank, Inc. | UT | $20.8B | 2.69% | 26.29% | 16.97% |
| The Central Trust Bank | MO | $20.8B | 1.82% | 50.05% | 12.88% |
| Wilmington Savings Fund Society, FSB | DE | $21.2B | 1.43% | 56.85% | 14.06% |
| TowneBank | VA | $19.7B | 0.90% | 71.94% | 11.34% |
| Mechanics Bank | CA | $22.4B | 1.44% | 55.79% | 15.59% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Financial Bank (FDIC Cert #6600) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
| Peoples BankMarietta | $9.6B | A | 1.27% |
Frequently asked questions
What is First Financial Bank's health grade?▼
First Financial Bank receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Financial Bank?▼
First Financial Bank holds $21.0B in total assets and $16.8B in deposits, ranking 99th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cincinnati, Ohio.
Is my money safe at First Financial Bank?▼
Yes, deposits at First Financial Bank (Certificate #6600) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Financial Bank's Tier 1 Capital Ratio?▼
First Financial Bank has a Tier 1 Capital Ratio of 11.90%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Financial Bank?▼
First Financial Bank has a Texas Ratio of 3.50%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Financial Bank?▼
First Financial Bank has an Efficiency Ratio of 53.29%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Financial Bank's profile as a depositor or analyst.
- First Financial Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Financial Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.