First Financial Bank (OH) is headquartered in CINCINNATI and is the 6th largest bank in the state of Ohio. It is also the 103rd largest bank in the nation. It was established in 1863 and as of December of 2024, it had grown to 2,064 employees at 137 locations. First Financial Bank (OH)'s money market rates are 9X the national average, and it boasts an A+ health rating.
Terrible Service
My password online is continually invalid so I call and they want a recent transaction which I can't give them because I can't get online then I have to drive an hour to fix it. Ridiculous procedures at this bank.
Worst Bank Ever!!
I have so many issues trying to get help from this bank. My regret is using this bank period. I had to open a checking account because I was using them for my mortgage loan. The manager who opened the account for me did not know what she's doing. I asked if they would send me my debit card via mail, she said they would. Weeks later, never received it. Someone else had to fix her issue. My cousin recommended me to a loan specialist there, who was great but everything else suck. I had my address changed and updated to my new mortgage. That was a headache. Took over a year for them to update my address correctly. I changed my Mortgage insurance and wanted to make sure it was correct. They verified me with my ss# and name. Then asked me for my phone number, which my main phone number is on my profile { I confirmed }. They told me " Sorry we can't verify you because my SS# came up with a different phone #." They used government system something like that. My phone is in a plan with my sister, which I would need to be with my sister to get verified and help for this bank. She then tell me to stop by a branch. Such a headache trying to get one simple question. I plan on closing all my accounts and refinance my mortgage to go to a different bank. Save yourself some time and go with a different bank. I don't think they have the tools to make your life easy and also most reps are not trained properly.
Clueless Mortgage Loan Dept
My community bank was acquired by First Financial several years ago. I had both a personal and business checking account. I git t o know the manager at the local branch and he was very helpful. I am a real estate developer and went to the branch to inquire about a line of credit. The manager had left the branch and I was referred to the mortgage loan department. It took them two months to get back to me and eventually I got referred to the VP after complaining about the cluelessness of the staff. He seemed to have no idea what their loan products were. After another six weeks of back and forth he finally recommended a loan size that could not buy a used car even with a perfect credit rating and a portfolio of properties. Utterly clueless.
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 6600 |
| Year Established | 1863 |
| Employees | 2064 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.45% |
| Return on Equity - YTD | 10.92% |
| Annual Interest Income | $1B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $18.49B$17.46B |
| Loans | Q4 2024vs Q4 2023 | $11.62B$10.8B |
| Deposits | Q4 2024vs Q4 2023 | $14.55B$13.5B |
| Equity Capital | Q4 2024vs Q4 2023 | $2.41B$2.33B |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $156.8MM$141.4MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $65.3MM$66.5MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $64K$106K |
