BlastPoint's Banking Scorecard
First Financial Bank
Cincinnati, OH
165 branches across OH · IN · IL · KY · MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OH.
- Deposits +21.7% year over year ($17.8B on the books).
- Delinquency rate 0.71%.
- Return on assets 1.56%.
- Efficiency ratio 55.19% vs a 53.67% peer average.
- Loan-to-deposit ratio 76.28% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Financial Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.28% above tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 40.3% in tier
- - Efficiency Ratio 1.52% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.4B
+20.6% YoY
-1.5% QoQ
|
-$21.3B |
$43.6B
-13.8% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$13.6B
+16.5% YoY
+1.9% QoQ
|
-$14.4B |
$28.0B
-8.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$17.8B
+21.7% YoY
-1.8% QoQ
|
-$17.6B |
$35.4B
-14.0% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
1.56%
+5.4% YoY
+0.7% QoQ
|
+0.17% |
1.39%
+25.9% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.20%
+3.4% YoY
-0.8% QoQ
|
+0.28% |
3.92%
+8.9% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
55.19%
+2.8% YoY
-1.4% QoQ
|
+1.52% |
53.67%
-1.9% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.71%
+7.0% YoY
-9.4% QoQ
|
-0.30% |
1.01%
-2.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
76.28%
-4.3% YoY
+3.8% QoQ
|
-6.33% |
82.61%
+3.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
22.17%
-4.6% YoY
-4.8% QoQ
|
+1.59% |
20.58%
+4.9% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.43%
+3.3% YoY
-7.1% QoQ
|
-0.30% |
0.73%
+5.8% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.78%
+1.3% YoY
-2.3% QoQ
|
-2.57% |
15.35%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.70%
+2.4% YoY
+92.5% QoQ
|
+0.20% |
0.50%
+10.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Top 14.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.2%
-1.1pp YoY -1.1pp QoQ |
+1.1pp | 21.0% | 18.8% | 22.2% | 46% |
| Brokered Deposits |
6.9%
-2.2pp YoY -0.7pp QoQ |
-2.3pp | 9.2% | 7.7% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
31.0%
+3.4pp YoY +0.3pp QoQ |
+13.8pp | 17.2% | 10.2% | 12.5% | 92% |
| CRE |
36.6%
-2.3pp YoY 0.0pp QoQ |
-5.4pp | 42.0% | 34.2% | 41.4% | 32% |
| 1-4 Family |
21.9%
+0.5pp YoY -0.3pp QoQ |
-1.3pp | 23.1% | 50.0% | 31.3% | 53% |
| Consumer |
1.4%
+0.2pp YoY 0.0pp QoQ |
-11.4pp | 12.9% | 4.7% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
+0.2pp YoY -0.3pp QoQ |
-2.5pp | 15.3% | 22.1% | 19.7% | 45% |
| Leverage Ratio |
9.8%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 10.4% | 12.9% | 12.6% | 39% |
| Total Capital Ratio |
14.1%
+0.2pp YoY -0.3pp QoQ |
-2.5pp | 16.5% | 23.2% | 20.8% | 49% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,371
+338 (+16.6%) YoY +52 (+2.2%) QoQ |
-887 | 3,258 | 2,433 | 482 | 60% |
| Assets per Employee ($) |
$9.4M
+3.4% YoY -3.6% QoQ |
-$17.6M | $27.0M | $7.6M | $8.8M | 27% |
| Branch Count |
165
+30 (+22.2%) YoY 0 QoQ |
+27 | 137 | 81 | 18 | 70% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.4% | 15% |
| Nonaccrual |
0.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.7% | 0.6% | 1.0% | 56% |
| Allowance Coverage |
1.96x
-3.9% YoY +12.0% QoQ |
-0.85x | 2.81x | 18.95x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
0.3%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.4% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
+0.7pp YoY 0.0pp QoQ |
-0.8pp | 12.6% | 9.7% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
-0.1pp | 2.0% | 1.7% | 1.7% | 46% |
| Net Income ($, YTD) |
$171.7M
+25.7% YoY — QoQ |
-$125.1M | $296.8M | $259.3M | $40.4M | 51% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.