First Financial Bancorp, a regional bank holding company based in Cincinnati, Ohio, reported a strong financial performance for the fiscal year ending December 31, 2025. The company achieved total revenues of $1.1 billion, reflecting a 12% increase from the previous year. Net income for the year was reported at $150 million, translating to earnings per share of $2.50, a 10% rise compared to $136 million and $2.27 per share in 2024. This growth was primarily driven by an increase in net interest income, which rose by 15% to $800 million, attributed to higher loan volumes and improved interest margins.
Significant strategic developments included the acquisition of Westfield Bancorp, Inc. on November 1, 2025, for a total consideration of $324.4 million, which included cash and stock. This acquisition is expected to enhance First Financial's presence in Northeast Ohio by adding retail banking locations and expanding its commercial lending and wealth management services. Additionally, the company acquired Agile Premium Finance in February 2024, further diversifying its offerings in the insurance premium financing sector. These acquisitions have been integrated into First Financial's operations, contributing positively to its financial results.
Operationally, First Financial reported a total employee count of approximately 2,199 as of December 31, 2025, with a focus on enhancing employee engagement and wellbeing. The company has implemented a comprehensive Wellbeing Program, with about 60% of eligible employees participating. Customer engagement metrics showed a steady increase, with total customer accounts rising by 8% year-over-year, reflecting the successful integration of new clients from recent acquisitions. The bank operates 134 full-service banking centers across Ohio, Indiana, Kentucky, and Illinois, with plans for further geographic expansion.
The filing also highlighted potential risks and uncertainties that could impact future performance, including economic conditions, regulatory changes, and competitive pressures from both traditional banks and fintech companies. First Financial acknowledged the challenges posed by rising interest rates and inflation, which could affect loan demand and credit quality. The company remains committed to maintaining a strong capital position, with a common equity tier 1 capital ratio of 10.5%, well above regulatory requirements.
Looking ahead, First Financial anticipates continued growth driven by its strategic acquisitions and a focus on enhancing customer service and operational efficiency. The company plans to invest in technology and digital banking solutions to meet evolving customer needs and improve overall service delivery. Management expressed confidence in the bank's ability to navigate potential economic challenges while pursuing its long-term growth objectives.
About FIRST FINANCIAL BANCORP /OH/
First Financial Bancorp. is a regional bank holding company providing commercial banking, real estate, consumer loans, and deposit services. Its primary market includes Ohio, Indiana, Kentucky, and Illinois, serving individuals and small to medium-sized businesses. The company offers wealth management, niche lending, and foreign exchange services, leveraging local decision-making and long-term client relationships to maintain competitive advantages in community and specialty banking.
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