---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-22-000055"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2022-10-20T23:59:59+00:00"
generated_at: "2026-06-23T02:27:14.364951+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Financial Bancorp Q3 EPS $0.59; NIM expands 53 bps to 3.98%

## Summary
- Diluted EPS $0.59 ($0.61 adjusted); net income $55.7M.
- Net interest margin (FTE) 3.98%, up 53 bps from Q2; loan yields rose 89 bps.
- Loan growth $377M (15.9% annualized); broad-based portfolio growth.
- Noninterest income $42.5M; foreign exchange $11.8M, mortgage banking down 28.8%.
- Credit quality improved: net charge-offs, classified assets, and NPAs declined sequentially.

## SEC filing metadata
- accession: 0000708955-22-000055
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2022-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895522000055/0000708955-22-000055-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895522000055/ffbc-20221020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-22-000055
- JSON: https://secwatch.observer/filing/0000708955-22-000055.json
- Plain text: https://secwatch.observer/filing/0000708955-22-000055.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.