{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-25-000025","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.066772+00:00","generated_at":"2026-05-23T07:30:05.626695+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Financial Bancorp Q1 EPS $0.54 ($0.63 adjusted); net income down 21% from Q4","bullets":["Net income of $51.3M ($0.54 diluted EPS) vs $64.9M ($0.68) in Q4 2024; adjusted EPS $0.63.","Net interest margin (FTE) 3.88%, down 6 bp from Q4; cost of deposits down 12 bp.","Noninterest income $51.1M ($61.0M adjusted) includes $9.9M loss on securities sale; record wealth management.","Noninterest expenses $128.1M ($126.6M adjusted), down 3.3% linked quarter; efficiency ratio 63.9% (60.2% adjusted).","Loan balances down $37.6M; average deposits down $99M (excluding brokered, up $62.8M)."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-25-000025","json":"https://secwatch.observer/filing/0000708955-25-000025.json","markdown":"https://secwatch.observer/filing/0000708955-25-000025.md","text":"https://secwatch.observer/filing/0000708955-25-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895525000025/0000708955-25-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895525000025/ffbc-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:30:05.626695+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"}