FIRST FINANCIAL BANCORP /OH/
For the period ended Sep 30, 2025. Filed Nov 4, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 4, 2025
FFBC$32.57+0.2%Stored close · as of Nov 6, 2026
Contents
Table of Content
FIRST FINANCIAL BANCORP.
INDEX
| Page No. | |
|---|---|
| Part I - FINANCIAL INFORMATION | |
| Item 1 - Financial Statements | |
| Consolidated Balance Sheets - September 30, 2025 (unaudited) and December 31, 2024 | 1 |
| Consolidated Statements of Income - Three and Nine Months Ended September 30, 2025 and 2024 (unaudited) | 2 |
| Consolidated Statements of Comprehensive Income (Loss) - Three and Nine Months Ended September 30, 2025 and 2024 (unaudited) | 3 |
| Consolidated Statements of Changes in Shareholders’ Equity - Three and Nine Months September 30, 2025 and 2024 (unaudited) | 4 |
| Consolidated Statements of Cash Flows - Nine Months Ended September 30, 2025 and 2024 (unaudited) | 6 |
| Notes to Consolidated Financial Statements (unaudited) | 8 |
| Item 2 - Management's Discussion and Analysis of Financial Condition and Results of Operations | 50 |
| Item 3 - Quantitative and Qualitative Disclosures about Market Risk | 73 |
| Item 4 - Controls and Procedures | 73 |
| Part II - OTHER INFORMATION | |
| Item 1 - Legal Proceedings | 74 |
| Item 1A - Risk Factors | 74 |
| Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds | 74 |
| Item 5 - Other Information | 74 |
| Item 6 - Exhibits | 75 |
| Signatures | 76 |
Glossary of Abbreviations and Acronyms
First Financial has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations.
| ABL | Asset backed lending | First Financial | First Financial Bancorp. |
|---|---|---|---|
| AFS | Available-for-sale | FRB | Federal Reserve Bank |
| Agile | Agile Premium Finance | FTE | Fully tax equivalent |
| ALCO | Asset Liability Committee | GAAP | U.S. Generally Accepted Accounting Principles |
| AOCI | Accumulated other comprehensive income | HTC | Historic tax credit |
| ASC | Accounting standards codification | HTM | Held-to-maturity |
| ASU | Accounting standards update | Insignificant | Less than $0.1 million |
| Bank | First Financial Bank | IRLC | Interest rate lock commitment |
| Basel III | Basel Committee regulatory capital reforms, Third Basel Accord | LIHTC | Low income housing tax credit |
| Bannockburn | Bannockburn Global Forex | MD&A | Management's Discussion and Analysis of Financial Condition and Results of Operations |
| Bp/bps | Basis point(s) | MSFG | MainSource Financial Group, Inc. |
| CDs | Certificates of deposit | N/A | Not applicable |
| C&I | Commercial & industrial | NII | Net interest income |
| CRE | Commercial real estate | NMTC | New market tax credit |
| Company | First Financial Bancorp. | OREO | Other real estate owned |
| CFTF | Contingency Funding Task Force | PAM | Proportional amortization method |
| Dodd-Frank | Dodd–Frank Wall Street Reform and Consumer Protection Act | PCA | Prompt corrective action |
| ERM | Enterprise risk management | R&S | Reasonable and supportable |
| EVE | Economic value of equity | ROU | Right-of-use |
| Fair Value Topic | FASB ASC Topic 820, Fair Value Measurement | SEC | U.S. Securities and Exchange Commission |
| FASB | Financial Accounting Standards Board | Summit | Summit Funding Group, Inc. |
| FDIC | Federal Deposit Insurance Corporation | SOFR | Secured Overnight Financing Rate |
| FDM | Financial difficulty modification | Topic 842 | FASB ASC Topic 842, Leasing |
| FHLB | Federal Home Loan Bank | USD | United States dollars |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.