{"schema_version":"secwatch.filing_event.v1","accession":"0000708955-25-000097","form_type":"8-K","ticker":"FFBC","cik":"0000708955","company_name":"FIRST FINANCIAL BANCORP /OH/","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.953411+00:00","generated_at":"2026-05-17T02:36:40.695640+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Financial Bancorp Q3 EPS $0.75; record revenue $234M; Westfield deal approved","bullets":["Q3 2025 diluted EPS $0.75 ($0.76 adjusted); net income $71.9M.","Record total revenue $234M; record noninterest income $73.5M ($73.6M adjusted).","Net interest margin (FTE) 4.02%; TCE ratio 8.87%; ROATCE 19%.","Annualized net charge-offs 0.18%; average deposits grew 4.3% annualized.","Obtained regulatory approval for Westfield acquisition; expected close November 1."],"urls":{"canonical":"https://secwatch.observer/filing/0000708955-25-000097","json":"https://secwatch.observer/filing/0000708955-25-000097.json","markdown":"https://secwatch.observer/filing/0000708955-25-000097.md","text":"https://secwatch.observer/filing/0000708955-25-000097.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708955/000070895525000097/0000708955-25-000097-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708955/000070895525000097/ffbc-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:36:40.695640+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"}