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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 6600 · OH A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1320/4307
  • PHOTO-FINISH The Citizens Nationa… · MN
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-STRONG 1.53% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: The Citizens National Bank of Park Rapids, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Financial Bank

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Crews Bank & Trust · FL · ne…85/100Deerwood Bank · MN · near85/100First Financial Bank · OH · …85/100The Citizens Nationa… · MN ·…85/100The North Salem Stat… · IN ·…85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Financial Bank · July 2026

Call Report read for First Financial Bank in a high-failure state

First Financial Bank (FDIC Cert #6600) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,320 of 4,307. Tier 1 capital prints at 11.90%, clearing the 10% well-capitalized line. The Texas Ratio is 3.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.53%. Balance-sheet scale is $21.0B, 99th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Citizens National Bank of Park Rapids (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Financial Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

First Financial Bank sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about First Financial Bank's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

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.

0/100100/100National avg77/10085/100
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 Assets

$21.0B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.5% 11.9% 13.3%
Basel III capital ratios - First Financial Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Financial Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First Financial Bank

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

What these ratios mean →

Earnings posture at First Financial Bank

Return on Assets (ROA)
75th percentile nationally
1.53%
Return on Equity (ROE)
11.49%
Efficiency Ratio
53.29%

What these mean →

Income & expense at First Financial Bank

$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.

FDIC Failed Bank List → View First Financial Bank on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to First Financial Bank nationally by total assets
  1. 1
    Seacoast National Bank $20.8B

    Stuart, FL · Grade A

  2. 2
    Optum Bank, Inc. $20.8B

    Draper, UT · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Wilmington Savings Fund Society, FSB $21.2B

    Wilmington, DE · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

  6. 6
    Mechanics Bank $22.4B

    Walnut Creek, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($21.0B here), outside Ohio so the neighborhood is not state containment.

Seacoast National Bank $20.8B · FL Optum Bank, Inc. $20.8B · UT The Central Trust Bank $20.8B · MO Wilmington Savings Fund Society, FSB $21.2B · DE

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.

First Financial Bank Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
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%