First Financial Bank

255 East Fifth Street
Cincinnati, OH 45202

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6600
Date Established 1863
Assets $14.00 billion
Loans $8.76 billion
Deposits $10.24 billion
Capital $2.10 billion

First Financial Bank is an FDIC insured institution located in Cincinnati, OH. It was founded in 1863 and has approximately $14 billion in assets. Customers can open an account at one of its 112 branches.

For a more detailed analysis of First Financial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $10,001 $25,000 Learn MoreShow Less
Money Market
0.10% $25,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.01% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.01% $100,000 - Learn MoreShow Less
6 Mo CD
0.05% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.05% $100,000 - Learn MoreShow Less
12 Mo CD
0.10% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.10% $100,000 - Learn MoreShow Less
18 Mo CD
0.10% $500 $99,999 Learn MoreShow Less
18 Mo CD
0.10% $100,000 - Learn MoreShow Less
24 Mo CD
0.15% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.15% $100,000 - Learn MoreShow Less
30 Mo CD
0.15% $500 $99,999 Learn MoreShow Less
30 Mo CD
0.15% $100,000 - Learn MoreShow Less
36 Mo CD
0.20% $500 $99,999 Learn MoreShow Less
36 Mo CD
0.20% $100,000 - Learn MoreShow Less
48 Mo CD
0.30% $500 $99,999 Learn MoreShow Less
48 Mo CD
0.30% $100,000 - Learn MoreShow Less
60 Mo CD
0.50% $500 $99,999 Learn MoreShow Less
60 Mo CD
0.50% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.10% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.01% $100,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.01% $1 $2,499 Learn MoreShow Less
0.01% $2,500 $9,999 Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Financial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to First Financial Bank
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Branches

First Financial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Financial Bank Locations


Financial Details

First Financial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Financial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Financial Bank U.S. Bank Average
2.84% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, First Financial Bank had $59,634,000 in non-current loans and $1,665,000 in owned real estate. To cover these potential losses it had $2,104,836,000 in equity and $56,722,000 in loans loss reserves. That gives it a Texas Ratio of 2.84%.

Return on Equity
First Financial Bank U.S. Bank Average
9.65% 9.47%

First Financial Bank has a Return on Equity of 9.65% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Financial Bank U.S. Bank Average
15.04% 12.49%

First Financial Bank has a Capitalization of 15.04% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Financial Bank Balance Sheet Analysis

As of March 31, 2019, First Financial Bank had assets of $13,997,427,000, loans of $8,760,696,000, and deposits of $10,242,610,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.21 billion
Interest-bearing balances $0.06 billion
Total securities $3.28 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $8.76 billion
Loan loss allowance $0.06 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.86 billion
All other assets $0.67 billion
     Total Assets $11.89 billion
LIABILITIES
Total deposits $10.24 billion
      Interest-bearing deposits $7.65 billion
      Deposits held in domestic offices $10.24 billion
      % insured (estimated) 83.26%
Federal funds purchased and repurchase agreements $0.10 billion
Trading liabilities $0.00 billion
Other borrowed funds $1.39 billion
Subordinated debt $0.01 billion
All other liabilities $0.15 billion
      Total Liabilities $11.89 billion
      Shareholders’ Equity $2.10 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.15 billion
Total Interest Expense $0.03 billion
Net interest income $0.12 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.03 billion
Total non interest expense $0.07 billion
Pre-tax Net Operating Income $0.06 billion

Bank Loan Profile?

The top three loan types in First Financial Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Ohio, First Financial Bank has a significantly higher percent of Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.58
Multifamily
Mortgages
3.93
Credit Card Loans 0.23
Consumer Auto Loans 0.53
Small Business Loans 7.59
Construction and Development Loans 5.32
Commercial Real Estate 35.22
Commercial and Industrial Loans 26.56
Farm Loans 0.96

Frequently Asked Questions About First Financial Bank

Branches and Savings

Is First Financial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6600.

Why does First Financial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Financial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Financial Bank a commercial bank?

Yes

Where are First Financial Bank locations?

See branch locations nearby.

Is First Financial Bank open on Saturdays?

Is First Financial Bank open on Sundays?

What time does First Financial Bank open?

What time does First Financial Bank close?

Are First Financial Bank ATMs Open 24/7?

Do First Financial Bank ATMs accept cash deposits?

Can First Financial Bank customers use other ATMs?

Do First Financial Bank branches have notaries?

Will First Financial Bank notarize my document?

What address for First Financial Bank should I put for incoming ACH transfers?

Will the First Financial Bank branch print checks?

Do First Financial Bank checks expire?

Does First Financial Bank require US citizenship to open account?

Can First Financial Bank close my account?

Does First Financial Bank Report to credit bureaus?

Does First Financial Bank Use Equifax?

What is First Financial Bank's ACH Routing Number?

What is First Financial Bank's SWIFT code?

Products

Does First Financial Bank offer mortgages?

Compare mortgage rates here.

Does First Financial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Financial Bank offer personal loans?

Compare personal loan rates here.

Does First Financial Bank offer student loans?

Will First Financial Bank cash a check?

Will First Financial Bank redeem a savings bond?

Does First Financial Bank cash savings bonds?

Will First Financial Bank cash money orders?

Can First Financial Bank issue a money order?

Does First Financial Bank do currency exchange?

Background on The Bank

Who owns First Financial Bank?

How long has First Financial Bank been around?

Can First Financial Bank transfer to other banks?

Does First Financial Bank have quick pay?

Does First Financial Bank accept rolled coins?

Will First Financial Bank accept loose change?

Where is First Financial Bank headquarters?

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