---
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"
generated_at: "2026-05-23T07:30:05.626695+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Financial Bancorp Q1 EPS $0.54 ($0.63 adjusted); net income down 21% from Q4

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708955-25-000025
- JSON: https://secwatch.observer/filing/0000708955-25-000025.json
- Plain text: https://secwatch.observer/filing/0000708955-25-000025.txt

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