---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-23-000044"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:55:57.185116+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FFBC Q2 adjusted EPS $0.72 (+29% YoY); NIM 4.48% down 7bp QoQ

## Summary
- Diluted EPS $0.69 ($0.72 adjusted); net income $65.7M vs Q1 $70.4M.
- Net interest margin (FTE) 4.48% (down 7bp QoQ); loan growth $117M annualized 4.5%.
- Adjusted fee income $53.5M; record wealth management $6.7M, FX income $15.0M.
- ACL/total loans 1.41%; classified assets down 13%; capital ratios increased.
- Efficiency ratio 54.9% adjusted; ROAA 1.55% (1.62% adjusted).

## SEC filing metadata
- accession: 0000708955-23-000044
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/0000708955-23-000044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/ffbc-20230720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-23-000044
- JSON: https://secwatch.observer/filing/0000708955-23-000044.json
- Plain text: https://secwatch.observer/filing/0000708955-23-000044.txt

## Key facts
- Earnings Releases
  FIRST FINANCIAL BANCORP /OH/ reported the three and six months ended June 30, 2023 results: net income $65.7 million, or $0.69 per diluted common share, EPS $0.69 per diluted common share.
  - Period: the three and six months ended June 30, 2023
  - Net income: $65.7 million, or $0.69 per diluted common share
  - EPS: $0.69 per diluted common share
  - Result: reported results
  source text: On July 20, 2023, First Financial Bancorp. (the "Company") issued its earnings press release that included its results of operations and financial condition for the first six months and second quarter of 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/708955/000070895523000044/0000708955-23-000044-index.htm

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