BlastPoint's Banking Scorecard
First Financial Bank
Cincinnati, OH
165 branches across OH · IN · IL · KY · MI
First Financial Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37.1% in tier
- + ROA 0.27% above tier average
- + Net Interest Margin 0.46% above tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 1.98% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.7B
+23.7% YoY
+8.1% QoQ
|
-$24.3B |
$47.0B
-1.9% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$13.3B
+15.0% YoY
+0.6% QoQ
|
-$16.0B |
$29.4B
-0.4% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$18.1B
+25.6% YoY
+8.2% QoQ
|
-$20.3B |
$38.4B
-1.6% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
1.55%
+20.7% YoY
+1.3% QoQ
|
+0.27% |
1.28%
+18.7% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
4.23%
+7.3% YoY
+2.4% QoQ
|
+0.46% |
3.77%
+5.8% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
55.99%
+1.4% YoY
+5.1% QoQ
|
+1.98% |
54.01%
-3.7% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
0.79%
+52.6% YoY
+2.1% QoQ
|
-0.23% |
1.02%
-3.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
73.52%
-8.4% YoY
-7.0% QoQ
|
-7.27% |
80.79%
+1.9% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
23.29%
-1.4% YoY
+2.2% QoQ
|
+3.25% |
20.04%
+0.2% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.47%
+42.9% YoY
-4.2% QoQ
|
-0.26% |
0.72%
+4.2% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.08%
+4.5% YoY
+9.9% QoQ
|
-2.44% |
15.51%
-0.4% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.36%
+12.2% YoY
-72.2% QoQ
|
+0.14% |
0.22%
+0.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Top 13.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.