---
schema_version: "secwatch.filing_event.v1"
accession: "0000708955-24-000057"
form_type: "8-K"
ticker: "FFBC"
cik: "0000708955"
company_name: "FIRST FINANCIAL BANCORP /OH/"
filed_at: "2024-10-24T23:59:59+00:00"
generated_at: "2026-05-30T10:44:22.353281+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# FFBC Q3 2024 net income $52.5M ($0.55 EPS); adjusted EPS $0.67; NIM 4.08%

## Summary
- Diluted EPS of $0.55; adjusted EPS $0.67; net income $52.5M vs. $60.8M in Q2 2024.
- Net interest margin (FTE) 4.08%, down 2bp from Q2; deposit growth $166.2M (4.9% annualized).
- Noninterest income $45.7M ($58.8M adjusted) driven by foreign exchange, wealth, leasing; $17.5M securities loss.
- Tangible book value $14.26, up 10.2% linked quarter; quarterly dividend maintained at $0.24.
- Net charge-offs 0.25% of loans; ACL ratio 1.37%; loan growth $31.9M (1% annualized).

## SEC filing metadata
- accession: 0000708955-24-000057
- form_type: 8-K
- ticker: FFBC
- cik: 0000708955
- company_name: FIRST FINANCIAL BANCORP /OH/
- filed_at: 2024-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708955/000070895524000057/0000708955-24-000057-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708955/000070895524000057/ffbc-20241024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-24-000057
- JSON: https://secwatch.observer/filing/0000708955-24-000057.json
- Plain text: https://secwatch.observer/filing/0000708955-24-000057.txt

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