The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Ohio

Yes. First Financial Bank is an FDIC-insured institution (FDIC certificate #6600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.9% of deposits ($7.5B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.05% (benchmark: 10%).

Check how much of your own balance is covered

First Financial Bank lists 158 offices in 114 cities across 5 states. Most locations:

• Cincinnati, OH (16)
• Indianapolis, IN (6)
• Louisville, KY (5)
• Columbus, IN (4)
• Chicago, IL (3)
• Fairfield, OH (3)
• Hamilton, OH (3)
• Bloomington, IN (2)
• Centerville, OH (2)
• Columbus, OH (2)
• Dayton, OH (2)
• Greensburg, IN (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 59 consumer complaints about FIRST FINANCIAL BANCORP to the company (31 in the last 12 months). 98.3% received a timely response. That is 3.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, First Financial Bank reported 10,503 home-loan applications under HMDA (LEI MV4O55SH8HO6KQSGW013): 7,073 originated ($1,566,695,000 total), 2,367 denied, and 986 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Financial Bank

Former names

First National Bank of Southwestern Ohio; First Financial Bank, National Association; The First National Bank and Trust Company of Hamilton

Type

State-chartered bank (Fed member)

FDIC certificate #

6600

RSSD ID

165628

Primary regulator

FED

Holding company

First Financial Bcorp

Established

January 1, 1863

Headquarters

255 E 5th St, Cincinnati, OH 45202

Website

www.bankatfirst.com

Employees

2,371