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First Financial Bank, National Association (OH)

Based on 3 reviews
First Financial Bank, National Association (OH)
Overview / Commentary
300 High Street
Hamilton, OH 45011

First Financial Bank, National Association (OH) is headquartered in Hamilton and is the 9th largest bank in the state of Ohio. It is also the 151st largest bank in the nation. It was established in 1863 and as of March of 2014, it had grown to 1,286 employees at 113 locations. First Financial Bank, National Association (OH) has a B+ health rating.

Reviews (3)

The Phone APP And New Website Have Ruined This Bank


Do I have to give them one star? Zero isn't an option?

I worked at this bank 10 years ago, and eventually left for my "after college job." I loved the bank while working for them, and loved them after. I used to recommend them to everyone for their customer service, hometown feel and great online banking (everything showed right away and was current.) 

This bank has since grown and everything I loved about them has turned to trash. First, they are doing "maintenance"  on the accounts every few weekends making it impossible to access, transfer or view any of your money (for entire weekends??) They no longer have a "home town" feel. If you call the branches, you get tranferred back to the 1-800 recording and you sit on hold forever. When someone finally does answer, they are reluctant to give you a branches phone number and many times they seem very untrained. If you go into the branches, you see new faces so often that no one even knows you. (high turnover is a bad sign in my opinion)

When you download their App for iphones, you have to jump through a million loops to get access to view your accounts, and they more loops after that if you want to have the right to transfer YOUR money from account to account (savings to checking, vice versa.)  I had to actually call the bank and ask for this, they confirmed that I had the password pin set up and I was good to go- then I went on a cruise where I learned that my password pin was actually not set up so I had no way to access my money on vacation. I guess there is a glitch in the system that lost my pin or maybe the customer service person was clueless. They wanted to charge me money to transfer the money via phone because of their mistake!! 

Half the time their app isn't working, the other half of the time you can't do anything with your accounts anyway because of "maintenance" or a glitch. I can't tell you the number of times I have tranfered money into my checking, or my husbands, from our saving and get the confirmation that the transfer worked, then I get to the register and get denyed because the system isn't updated. How embarassing! This bank seriously seriously seriously SUCKS!!!! IF YOU ARE GOING TO GROW INTO A LARGE BANK, PLEASE INVEST THE MONEY TO MAKE YOUR COMPUTER SYSTEM AND APP WORK PROPERLY. 

I have called so many times to tell them about these issues, and each time the customer service reps seem either completely clueless or completely unapologetic. Today, she just said "I can't even see your accounts, there is nothing I can do" Meanwhile, I am standing at a store I drove 2 hours to get to, and I don't have any access to MY  hard earned money?? After I had prepared and transfered everything before leaving home??

I'll be switching banks Monday. 

Totally Unimpressed!

As happens with most banks, my bank, Flagstar, was purchased by First here in Indiana. I have had NOTHING but problems with them, including most recently, they were not showing any direct deposits in my acocunts for hours to DAYS after the fact. These deposits were from my employer, a very large organization, and I have NEVER had a problem before. I think what was finally the last straw from me happened this morning when I called to inquire about my deposit still not being available, and they listened to my entire speil before the customer service rep finally said, "Well, we're not actually even OPEN right now, so call back in 25 minutes or so and we'll look it up for you." Seriously??? Why even answer the phone?

Over it. Definitely time to switch banks. Oh, and btw, their website is amateur-looking and poorly designed. Looks like a mom-and-pop-one-branch kind of bank, rather than a regional contender.


Avoid This Bank. Nothing But Hassles And Run Around.

My bank was bought out by First Financial about 2 years ago. I have several accounts through them and prior to the FFB takeover.

First they changed the account number on my Heloc loan which made my box of checks useless and then they removed credit card access to that account. They apparently don't allow credit card access to Heloc accounts. I also have a visa credit card through them which I cannot use because they block purchases, requiring a phone call to authorize.

At the time I also had an auto loan which they demanded I provide proof of insurance at a time when I was away from home on business. I don't appreciate demands from any company I do business with.

I have on occasion noticed what I would cosider batching of transactions meaning that they collect debit card transactions for serveral days and then process them at the same time. This is fine however, if you overdraw your account they will charge you a fee for each transaction in the batch that overdraws your account.

This company is more trouble to deal with than they're worth. They have hassled me to the point that I'm going to find a new bank.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Financial Bank, National Association (OH) had $88.68 million in non-current loans and owned real-estate with $629.95 million in equity and loan loss allowances on hand to cover it. This gives First Financial Bank, National Association (OH) a Texas Ratio of 14.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Financial Bank, National Association (OH) decreased dramatically from 31.74% as of March 31, 2013 to 14.08% as of March 31, 2014, resulting in a positive change of 55.65%.This indicates that the balance sheet and financial strength for First Financial Bank, National Association (OH) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Financial Bank, National Association (OH) has decreased its total deposits by -$24.7 million, resulting in -0.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Financial Bank, National Association (OH) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Financial Bank, National Association (OH) has $6.49 billion in assets with $629.95 million in equity, resulting in a capitalization level of 9.70%, which is above average.

Institution Statistics

FDIC Certificate #6600
Year Established1863
Primary RegulatorOCC
Assets and Liabilities
Assets$6.49 billion
Loans$3.98 billion
Deposits$4.90 billion
Equity Capital$576.35 million
Loan Loss Allowance$53.60 million
Unbacked Noncurrent Loans$75.94 million
Real Estate Owned$12.74 million
Historic Data - March 2013
Assets$6.34 billion
Equity Capital$570.51 million
Loan Loss Allowance$93.80 million
Unbacked Noncurrent Loans$75.94 million
Real Estate Owned$11.99 million
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets1.01%
Return on Equity11.53%
Interest Income$58.97 million

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First Financial Bank, National Association (OH) has 111 locations. Click to view all First Financial Bank, National Association (OH) locations.