{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-25-000003","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.109170+00:00","generated_at":"2026-05-27T17:14:59.731133+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Financial Bancorp Q4 2024 EPS $0.68 ($0.71 adjusted); NIM 3.94%","bullets":["Q4 net income $64.9M ($0.68 diluted EPS); adjusted EPS $0.71; Q3 2024 was $0.55.","Net interest margin on FTE basis 3.94%; deposit costs declined 13 bp in Q4.","Noninterest income $69.9M ($69.7M adj.); record wealth management income.","Loan growth $208.7M (7.2% annualized); deposit growth $543.1M (15.7% annualized).","Full year 2024 EPS $2.40 vs $2.69 in 2023; efficiency ratio 66.0% (adj. 58.4%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-25-000003","json":"https://secwatch.observer/filing/0000708955-25-000003.json","markdown":"https://secwatch.observer/filing/0000708955-25-000003.md","text":"https://secwatch.observer/filing/0000708955-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895525000003/0000708955-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895525000003/ffbc-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T17:14:59.731133+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}