000070895512/312025FYfalse0.000.00284http://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#OtherLiabilitieshttp://fasb.org/us-gaap/2025#OtherLiabilitieshttp://fasb.org/us-gaap/2025#OtherLiabilitieshttp://fasb.org/us-gaap/2025#LongTermDebthttp://fasb.org/us-gaap/2025#LongTermDebthttp://fasb.org/us-gaap/2025#LongTermDebthttp://fasb.org/us-gaap/2025#LongTermDebthttp://fasb.org/us-gaap/2025#LongTermDebthttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#OtherLiabilitieshttp://fasb.org/us-gaap/2025#OtherLiabilitieshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#InterestReceivableAndOtherAssetshttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefit http://fasb.org/us-gaap/2025#OtherNoninterestExpensehttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefit http://fasb.org/us-gaap/2025#OtherNoninterestExpensehttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefit http://fasb.org/us-gaap/2025#OtherNoninterestExpensehttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefithttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefithttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefithttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefithttp://fasb.org/us-gaap/2025#IncomeTaxExpenseBenefithttp://fasb.org/us-gaap/2025#OtherNoninterestExpensehttp://fasb.org/us-gaap/2025#OtherNoninterestExpensehttp://fasb.org/us-gaap/2025#OtherNoninterestExpense0http://fasb.org/us-gaap/2025#InterestAndDividendIncomeSecuritieshttp://fasb.org/us-gaap/2025#InterestAndDividendIncomeSecuritieshttp://fasb.org/us-gaap/2025#InterestAndDividendIncomeSecuritiesiso4217:USDxbrli:sharesiso4217:USDxbrli:sharesffbc:entityxbrli:pureffbc:loansutr:Rateffbc:numberOfOffices00007089552025-01-012025-12-310000708955exch:XNMS2025-01-012025-12-3100007089552025-06-3000007089552026-02-1800007089552025-10-012025-12-3100007089552025-12-3100007089552024-12-310000708955us-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:ConstructionLoansMember2025-12-310000708955us-gaap:ConstructionLoansMember2024-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2025-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:HomeEquityMember2025-12-310000708955us-gaap:HomeEquityMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2024-12-310000708955us-gaap:CreditCardReceivablesMember2025-12-310000708955us-gaap:CreditCardReceivablesMember2024-12-3100007089552024-01-012024-12-3100007089552023-01-012023-12-310000708955us-gaap:CommonStockMember2022-12-310000708955us-gaap:RetainedEarningsMember2022-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-12-310000708955us-gaap:TreasuryStockCommonMember2022-12-3100007089552022-12-310000708955us-gaap:RetainedEarningsMember2023-01-012023-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-01-012023-12-310000708955us-gaap:CommonStockMember2023-01-012023-12-310000708955us-gaap:TreasuryStockCommonMember2023-01-012023-12-310000708955us-gaap:CommonStockMember2023-12-310000708955us-gaap:RetainedEarningsMember2023-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-12-310000708955us-gaap:TreasuryStockCommonMember2023-12-3100007089552023-12-310000708955srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RetainedEarningsMember2023-12-310000708955srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember2023-12-310000708955us-gaap:RetainedEarningsMember2024-01-012024-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-01-012024-12-310000708955us-gaap:CommonStockMember2024-01-012024-12-310000708955us-gaap:TreasuryStockCommonMember2024-01-012024-12-310000708955us-gaap:CommonStockMember2024-12-310000708955us-gaap:RetainedEarningsMember2024-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-310000708955us-gaap:TreasuryStockCommonMember2024-12-310000708955us-gaap:RetainedEarningsMember2025-01-012025-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-12-310000708955us-gaap:CommonStockMember2025-01-012025-12-310000708955us-gaap:TreasuryStockCommonMember2025-01-012025-12-310000708955us-gaap:CommonStockMember2025-12-310000708955us-gaap:RetainedEarningsMember2025-12-310000708955us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-12-310000708955us-gaap:TreasuryStockCommonMember2025-12-310000708955us-gaap:HeldtomaturitySecuritiesMember2024-12-310000708955us-gaap:HeldtomaturitySecuritiesMember2025-12-310000708955us-gaap:AvailableforsaleSecuritiesMember2025-12-310000708955us-gaap:AvailableforsaleSecuritiesMember2024-12-310000708955us-gaap:CommercialLoanMember2025-01-012025-12-310000708955srt:MinimumMemberus-gaap:BuildingAndBuildingImprovementsMember2025-12-310000708955srt:MaximumMemberus-gaap:BuildingAndBuildingImprovementsMember2025-12-310000708955srt:MinimumMemberffbc:FurnitureFixturesAndEquipmentMember2025-12-310000708955srt:MaximumMemberffbc:FurnitureFixturesAndEquipmentMember2025-12-310000708955srt:MinimumMemberffbc:SoftwareHardwareAndDataHandlingEquipmentMember2025-12-310000708955srt:MaximumMemberffbc:SoftwareHardwareAndDataHandlingEquipmentMember2025-12-310000708955us-gaap:LeaseholdImprovementsMember2025-12-310000708955ffbc:WestfieldBankMember2025-11-0100007089552025-11-012025-11-010000708955ffbc:WestfieldBankMemberus-gaap:FinancialAssetAcquiredAndNoCreditDeteriorationMember2025-11-010000708955srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RetainedEarningsMember2024-12-310000708955srt:SubsidiariesMember2025-01-012025-12-310000708955srt:SubsidiariesMember2025-12-310000708955ffbc:WestfieldBankMember2025-01-012025-12-310000708955us-gaap:FinancialInstrumentOtherMember2025-12-310000708955us-gaap:FinancialInstrumentOtherMember2024-12-310000708955us-gaap:USTreasurySecuritiesMember2025-12-310000708955us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMember2025-12-310000708955us-gaap:ResidentialMortgageBackedSecuritiesMember2025-12-310000708955us-gaap:CommercialMortgageBackedSecuritiesMember2025-12-310000708955us-gaap:MortgageBackedSecuritiesMember2025-12-310000708955us-gaap:USStatesAndPoliticalSubdivisionsMember2025-12-310000708955us-gaap:AssetBackedSecuritiesMember2025-12-310000708955us-gaap:OtherDebtSecuritiesMember2025-12-310000708955us-gaap:USTreasurySecuritiesMember2024-12-310000708955us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMember2024-12-310000708955us-gaap:ResidentialMortgageBackedSecuritiesMember2024-12-310000708955us-gaap:CommercialMortgageBackedSecuritiesMember2024-12-310000708955us-gaap:MortgageBackedSecuritiesMember2024-12-310000708955us-gaap:USStatesAndPoliticalSubdivisionsMember2024-12-310000708955us-gaap:AssetBackedSecuritiesMember2024-12-310000708955us-gaap:OtherDebtSecuritiesMember2024-12-310000708955ffbc:OneYearOrLessMember2025-12-310000708955ffbc:AfterOneYearThroughFiveYearsMember2025-12-310000708955ffbc:AfterFiveYearsThroughTenYearsMember2025-12-310000708955ffbc:AfterTenYearsMember2025-12-310000708955ffbc:WestfieldBankMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:PassMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2025-01-012025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:PassMember2025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:SpecialMentionMember2025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:SubstandardMember2025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:DoubtfulMember2025-12-310000708955us-gaap:ConstructionLoansMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:PassMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:SpecialMentionMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:SubstandardMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:DoubtfulMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:PassMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:SpecialMentionMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:SubstandardMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:DoubtfulMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PerformingFinancingReceivableMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2025-01-012025-12-310000708955us-gaap:HomeEquityMemberus-gaap:PerformingFinancingReceivableMember2025-12-310000708955us-gaap:HomeEquityMemberus-gaap:NonperformingFinancingReceivableMember2025-12-310000708955us-gaap:HomeEquityMember2025-01-012025-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PerformingFinancingReceivableMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2025-01-012025-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:PerformingFinancingReceivableMember2025-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:NonperformingFinancingReceivableMember2025-12-310000708955us-gaap:CreditCardReceivablesMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2024-12-310000708955us-gaap:CommercialLoanMember2024-01-012024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:PassMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SpecialMentionMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:SubstandardMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:DoubtfulMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:PassMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:SpecialMentionMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:SubstandardMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:DoubtfulMember2024-12-310000708955us-gaap:ConstructionLoansMember2024-01-012024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:PassMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:SpecialMentionMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:SubstandardMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:DoubtfulMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMember2024-01-012024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:PassMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:SpecialMentionMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:SubstandardMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:DoubtfulMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PerformingFinancingReceivableMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2024-01-012024-12-310000708955us-gaap:HomeEquityMemberus-gaap:PerformingFinancingReceivableMember2024-12-310000708955us-gaap:HomeEquityMemberus-gaap:NonperformingFinancingReceivableMember2024-12-310000708955us-gaap:HomeEquityMember2024-01-012024-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PerformingFinancingReceivableMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2024-01-012024-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:PerformingFinancingReceivableMember2024-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:NonperformingFinancingReceivableMember2024-12-310000708955us-gaap:CreditCardReceivablesMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310000708955us-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310000708955us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955ffbc:CommercialRealEstateOwnerMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:CreditCardReceivablesMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:FinancingReceivables30To59DaysPastDueMember2024-12-310000708955us-gaap:FinancingReceivables60To89DaysPastDueMember2024-12-310000708955us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PrincipalForgivenessMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberffbc:TermExtensionAndInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:PrincipalForgivenessMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMemberffbc:TermExtensionAndInterestRateReductionMember2025-01-012025-12-310000708955ffbc:CommercialRealEstateInvestorMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PrincipalForgivenessMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberffbc:TermExtensionAndInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2025-01-012025-12-310000708955us-gaap:HomeEquityMemberus-gaap:PrincipalForgivenessMember2025-01-012025-12-310000708955us-gaap:HomeEquityMemberus-gaap:PaymentDeferralMember2025-01-012025-12-310000708955us-gaap:HomeEquityMemberus-gaap:ExtendedMaturityMember2025-01-012025-12-310000708955us-gaap:HomeEquityMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:HomeEquityMemberffbc:TermExtensionAndInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:HomeEquityMember2025-01-012025-12-310000708955us-gaap:PrincipalForgivenessMember2025-01-012025-12-310000708955us-gaap:PaymentDeferralMember2025-01-012025-12-310000708955us-gaap:ExtendedMaturityMember2025-01-012025-12-310000708955us-gaap:ContractualInterestRateReductionMember2025-01-012025-12-310000708955ffbc:TermExtensionAndInterestRateReductionMember2025-01-012025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PrincipalForgivenessMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberffbc:TermExtensionAndInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:PrincipalForgivenessMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMemberffbc:TermExtensionAndInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:ConstructionLoansMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PrincipalForgivenessMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberffbc:TermExtensionAndInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2024-01-012024-12-310000708955us-gaap:HomeEquityMemberus-gaap:PrincipalForgivenessMember2024-01-012024-12-310000708955us-gaap:HomeEquityMemberus-gaap:PaymentDeferralMember2024-01-012024-12-310000708955us-gaap:HomeEquityMemberus-gaap:ExtendedMaturityMember2024-01-012024-12-310000708955us-gaap:HomeEquityMemberus-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:HomeEquityMemberffbc:TermExtensionAndInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:HomeEquityMember2024-01-012024-12-310000708955us-gaap:PrincipalForgivenessMember2024-01-012024-12-310000708955us-gaap:PaymentDeferralMember2024-01-012024-12-310000708955us-gaap:ExtendedMaturityMember2024-01-012024-12-310000708955us-gaap:ContractualInterestRateReductionMember2024-01-012024-12-310000708955ffbc:TermExtensionAndInterestRateReductionMember2024-01-012024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PrincipalForgivenessMember2023-01-012023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2023-01-012023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2023-01-012023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberffbc:TermExtensionAndInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:CommercialPortfolioSegmentMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PrincipalForgivenessMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberffbc:TermExtensionAndInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2023-01-012023-12-310000708955us-gaap:HomeEquityMemberus-gaap:PrincipalForgivenessMember2023-01-012023-12-310000708955us-gaap:HomeEquityMemberus-gaap:PaymentDeferralMember2023-01-012023-12-310000708955us-gaap:HomeEquityMemberus-gaap:ExtendedMaturityMember2023-01-012023-12-310000708955us-gaap:HomeEquityMemberus-gaap:ContractualInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:HomeEquityMemberffbc:TermExtensionAndInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:HomeEquityMember2023-01-012023-12-310000708955us-gaap:PrincipalForgivenessMember2023-01-012023-12-310000708955us-gaap:PaymentDeferralMember2023-01-012023-12-310000708955us-gaap:ExtendedMaturityMember2023-01-012023-12-310000708955us-gaap:ContractualInterestRateReductionMember2023-01-012023-12-310000708955ffbc:TermExtensionAndInterestRateReductionMember2023-01-012023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2025-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2025-12-310000708955us-gaap:FinancingReceivables1To29DaysPastDueMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2024-12-310000708955us-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2024-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2024-12-310000708955us-gaap:FinancingReceivables1To29DaysPastDueMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000708955us-gaap:CommercialPortfolioSegmentMember2023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000708955us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2023-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables1To29DaysPastDueMember2023-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000708955us-gaap:HomeEquityMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000708955us-gaap:HomeEquityMember2023-12-310000708955us-gaap:FinancingReceivables1To29DaysPastDueMember2023-12-310000708955us-gaap:FinancingReceivables30To59DaysPastDueMember2023-12-310000708955us-gaap:FinancingReceivables60To89DaysPastDueMember2023-12-310000708955us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-12-310000708955us-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:CommercialPortfolioSegmentMember2023-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2023-12-310000708955us-gaap:ConstructionLoansMember2025-12-310000708955us-gaap:ConstructionLoansMember2024-12-310000708955us-gaap:ConstructionLoansMember2023-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2025-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2023-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2023-12-310000708955us-gaap:HomeEquityMember2025-12-310000708955us-gaap:HomeEquityMember2024-12-310000708955us-gaap:HomeEquityMember2023-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2025-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2024-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2023-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:EquipmentMemberus-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:LandMemberus-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:CommercialPortfolioSegmentMember2025-12-310000708955srt:OtherPropertyMemberus-gaap:CommercialPortfolioSegmentMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:EquipmentMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:LandMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955srt:OtherPropertyMemberus-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:ConstructionMember2025-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:ConstructionMember2025-12-310000708955us-gaap:EquipmentMemberus-gaap:ConstructionMember2025-12-310000708955us-gaap:LandMemberus-gaap:ConstructionMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:ConstructionMember2025-12-310000708955srt:OtherPropertyMemberus-gaap:ConstructionMember2025-12-310000708955us-gaap:ConstructionMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberffbc:CommercialRealEstateInvestorMember2025-12-310000708955us-gaap:CommercialRealEstateMemberffbc:CommercialRealEstateInvestorMember2025-12-310000708955us-gaap:EquipmentMemberffbc:CommercialRealEstateInvestorMember2025-12-310000708955us-gaap:LandMemberffbc:CommercialRealEstateInvestorMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberffbc:CommercialRealEstateInvestorMember2025-12-310000708955srt:OtherPropertyMemberffbc:CommercialRealEstateInvestorMember2025-12-310000708955ffbc:CommercialRealEstateInvestorMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955us-gaap:CommercialRealEstateMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955us-gaap:EquipmentMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955us-gaap:LandMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955us-gaap:ResidentialRealEstateMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955srt:OtherPropertyMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955ffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:EquipmentMemberus-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:LandMemberus-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955srt:OtherPropertyMemberus-gaap:ResidentialPortfolioSegmentMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:HomeEquityLoanMember2025-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:HomeEquityLoanMember2025-12-310000708955us-gaap:EquipmentMemberus-gaap:HomeEquityLoanMember2025-12-310000708955us-gaap:LandMemberus-gaap:HomeEquityLoanMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:HomeEquityLoanMember2025-12-310000708955srt:OtherPropertyMemberus-gaap:HomeEquityLoanMember2025-12-310000708955us-gaap:HomeEquityLoanMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:ConsumerLoanMember2025-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:ConsumerLoanMember2025-12-310000708955us-gaap:EquipmentMemberus-gaap:ConsumerLoanMember2025-12-310000708955us-gaap:LandMemberus-gaap:ConsumerLoanMember2025-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:ConsumerLoanMember2025-12-310000708955srt:OtherPropertyMemberus-gaap:ConsumerLoanMember2025-12-310000708955us-gaap:ConsumerLoanMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMember2025-12-310000708955us-gaap:CommercialRealEstateMember2025-12-310000708955us-gaap:EquipmentMember2025-12-310000708955us-gaap:LandMember2025-12-310000708955us-gaap:ResidentialRealEstateMember2025-12-310000708955srt:OtherPropertyMember2025-12-310000708955ffbc:TotalCollateralMember2025-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:EquipmentMemberus-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:LandMemberus-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:CommercialPortfolioSegmentMember2024-12-310000708955srt:OtherPropertyMemberus-gaap:CommercialPortfolioSegmentMember2024-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:EquipmentMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:LandMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955srt:OtherPropertyMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955us-gaap:AssetPledgedAsCollateralMemberffbc:CommercialRealEstateInvestorMember2024-12-310000708955us-gaap:CommercialRealEstateMemberffbc:CommercialRealEstateInvestorMember2024-12-310000708955us-gaap:EquipmentMemberffbc:CommercialRealEstateInvestorMember2024-12-310000708955us-gaap:LandMemberffbc:CommercialRealEstateInvestorMember2024-12-310000708955us-gaap:ResidentialRealEstateMemberffbc:CommercialRealEstateInvestorMember2024-12-310000708955srt:OtherPropertyMemberffbc:CommercialRealEstateInvestorMember2024-12-310000708955ffbc:CommercialRealEstateInvestorMember2024-12-310000708955us-gaap:AssetPledgedAsCollateralMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955us-gaap:CommercialRealEstateMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955us-gaap:EquipmentMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955us-gaap:LandMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955us-gaap:ResidentialRealEstateMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955srt:OtherPropertyMemberffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955ffbc:CommercialRealEstateOwnerPortfolioSegmentDomain2024-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:EquipmentMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:LandMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955srt:OtherPropertyMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:HomeEquityLoanMember2024-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:HomeEquityLoanMember2024-12-310000708955us-gaap:EquipmentMemberus-gaap:HomeEquityLoanMember2024-12-310000708955us-gaap:LandMemberus-gaap:HomeEquityLoanMember2024-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:HomeEquityLoanMember2024-12-310000708955srt:OtherPropertyMemberus-gaap:HomeEquityLoanMember2024-12-310000708955us-gaap:HomeEquityLoanMember2024-12-310000708955us-gaap:AssetPledgedAsCollateralMemberus-gaap:ConsumerLoanMember2024-12-310000708955us-gaap:CommercialRealEstateMemberus-gaap:ConsumerLoanMember2024-12-310000708955us-gaap:EquipmentMemberus-gaap:ConsumerLoanMember2024-12-310000708955us-gaap:LandMemberus-gaap:ConsumerLoanMember2024-12-310000708955us-gaap:ResidentialRealEstateMemberus-gaap:ConsumerLoanMember2024-12-310000708955srt:OtherPropertyMemberus-gaap:ConsumerLoanMember2024-12-310000708955us-gaap:ConsumerLoanMember2024-12-310000708955us-gaap:AssetPledgedAsCollateralMember2024-12-310000708955us-gaap:CommercialRealEstateMember2024-12-310000708955us-gaap:EquipmentMember2024-12-310000708955us-gaap:LandMember2024-12-310000708955us-gaap:ResidentialRealEstateMember2024-12-310000708955srt:OtherPropertyMember2024-12-310000708955ffbc:TotalCollateralMember2024-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2025-01-012025-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2024-01-012024-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2023-01-012023-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2023-01-012023-12-310000708955us-gaap:CommercialLoanMember2024-12-310000708955us-gaap:CreditCardReceivablesMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:CommercialLoanMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:ConstructionLoansMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:ResidentialPortfolioSegmentMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:HomeEquityMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:ConsumerPortfolioSegmentMember2024-12-310000708955ffbc:WestfieldBankMemberus-gaap:CreditCardReceivablesMember2024-12-310000708955ffbc:WestfieldBankMember2024-12-310000708955us-gaap:CommercialLoanMember2025-12-310000708955us-gaap:CreditCardReceivablesMember2025-12-310000708955us-gaap:CommercialLoanMember2023-12-310000708955us-gaap:CreditCardReceivablesMember2023-12-310000708955us-gaap:CommercialLoanMember2022-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2022-12-310000708955us-gaap:ConstructionLoansMember2022-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMember2022-12-310000708955us-gaap:ResidentialPortfolioSegmentMember2022-12-310000708955us-gaap:HomeEquityMember2022-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2022-12-310000708955us-gaap:CreditCardReceivablesMember2022-12-310000708955us-gaap:CommercialLoanMember2023-01-012023-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMember2023-01-012023-12-310000708955us-gaap:ConstructionLoansMember2023-01-012023-12-310000708955us-gaap:HomeEquityMember2023-01-012023-12-310000708955us-gaap:ConsumerPortfolioSegmentMember2023-01-012023-12-310000708955us-gaap:CreditCardReceivablesMember2023-01-012023-12-310000708955us-gaap:LandAndLandImprovementsMember2025-12-310000708955us-gaap:LandAndLandImprovementsMember2024-12-310000708955us-gaap:BuildingMember2025-12-310000708955us-gaap:BuildingMember2024-12-310000708955us-gaap:FurnitureAndFixturesMember2025-12-310000708955us-gaap:FurnitureAndFixturesMember2024-12-310000708955us-gaap:LeaseholdImprovementsMember2024-12-310000708955us-gaap:ConstructionInProgressMember2025-12-310000708955us-gaap:ConstructionInProgressMember2024-12-3100007089552024-01-012024-03-3100007089552023-01-012023-03-310000708955ffbc:BradyWareCorporateFinanceMember2023-04-012023-06-300000708955us-gaap:CoreDepositsMember2025-01-012025-12-310000708955ffbc:WestfieldBankMemberus-gaap:CoreDepositsMember2025-11-010000708955us-gaap:CoreDepositsMember2025-12-310000708955us-gaap:CustomerListsMember2025-01-012025-12-310000708955ffbc:AgilePremiumFinanceMemberus-gaap:CustomerListsMember2025-12-310000708955ffbc:AgilePremiumFinanceMemberus-gaap:CustomerListsMember2024-12-310000708955us-gaap:CustomerListsMember2024-02-290000708955ffbc:SummitFundingGroupMemberus-gaap:CustomerListsMember2025-12-310000708955ffbc:SummitFundingGroupMemberus-gaap:CustomerListsMember2024-12-310000708955us-gaap:CustomerListsMember2021-12-310000708955ffbc:BannockburnMemberus-gaap:CustomerListsMember2025-12-310000708955ffbc:BannockburnMemberus-gaap:CustomerListsMember2024-12-310000708955us-gaap:CustomerListsMember2019-08-300000708955us-gaap:CoreDepositsMember2024-12-310000708955us-gaap:CustomerListsMember2025-12-310000708955us-gaap:CustomerListsMember2024-12-310000708955us-gaap:OtherIntangibleAssetsMember2025-12-310000708955us-gaap:OtherIntangibleAssetsMember2024-12-310000708955us-gaap:ServicingContractsMember2025-12-310000708955us-gaap:ServicingContractsMember2024-12-310000708955us-gaap:FederalHomeLoanBankBorrowingsMember2025-12-310000708955us-gaap:FederalHomeLoanBankBorrowingsMember2024-12-310000708955us-gaap:FederalHomeLoanBankBorrowingsMember2023-12-310000708955us-gaap:ShortTermDebtMember2025-12-310000708955us-gaap:ShortTermDebtMember2024-12-310000708955us-gaap:ShortTermDebtMember2023-12-310000708955us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember2025-01-012025-12-310000708955us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember2025-12-310000708955us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember2024-01-012024-12-310000708955us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember2024-12-310000708955us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember2023-01-012023-12-310000708955us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseMember2023-12-310000708955us-gaap:FederalHomeLoanBankBorrowingsMember2025-01-012025-12-310000708955us-gaap:FederalHomeLoanBankBorrowingsMember2024-01-012024-12-310000708955us-gaap:FederalHomeLoanBankBorrowingsMember2023-01-012023-12-310000708955us-gaap:ShortTermDebtMember2025-01-012025-12-310000708955us-gaap:ShortTermDebtMember2024-01-012024-12-310000708955us-gaap:ShortTermDebtMember2023-01-012023-12-310000708955us-gaap:LineOfCreditMember2024-12-310000708955us-gaap:LineOfCreditMember2025-12-310000708955us-gaap:LongTermDebtMember2025-01-012025-12-3100007089552025-11-100000708955us-gaap:LongTermDebtMember2025-11-102025-11-1000007089552025-11-102025-11-100000708955us-gaap:SubordinatedDebtMember2018-04-010000708955us-gaap:SubordinatedDebtMember2025-12-310000708955us-gaap:SubordinatedDebtMember2024-12-310000708955us-gaap:SubordinatedDebtMember2025-01-012025-12-310000708955us-gaap:CreditRiskMember2025-01-012025-12-310000708955us-gaap:FairValueHedgingMember2025-01-012025-12-310000708955us-gaap:DerivativeMemberus-gaap:OtherLiabilitiesMember2025-12-310000708955us-gaap:DerivativeMember2025-12-310000708955us-gaap:DerivativeMemberus-gaap:OtherLiabilitiesMember2024-12-310000708955us-gaap:DerivativeMember2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:OtherLiabilitiesMemberus-gaap:DerivativeMember2025-12-310000708955us-gaap:ForeignExchangeMember2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:DerivativeMember2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:OtherLiabilitiesMemberus-gaap:DerivativeMember2024-12-310000708955us-gaap:ForeignExchangeMember2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:DerivativeMember2024-12-310000708955us-gaap:CommodityMemberffbc:DerivativeFinancialInstrumentsReceiveVariablePayFixedMember2025-12-310000708955us-gaap:CommodityMember2025-12-310000708955us-gaap:CommodityMemberus-gaap:DerivativeMember2025-12-310000708955us-gaap:CommodityMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2024-12-310000708955us-gaap:CommodityMember2024-12-310000708955us-gaap:CommodityMemberus-gaap:DerivativeMember2024-12-310000708955us-gaap:InterestRateFloorMemberus-gaap:OtherLiabilitiesMemberus-gaap:CashFlowHedgingMember2025-12-310000708955us-gaap:InterestRateFloorMemberus-gaap:OtherLiabilitiesMemberus-gaap:CashFlowHedgingMember2024-12-310000708955us-gaap:CashFlowHedgingMember2025-01-012025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:InterestIncomeMember2024-01-012024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:InterestIncomeMember2023-01-012023-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:InterestIncomeMember2025-01-012025-12-310000708955us-gaap:CashFlowHedgingMember2024-01-012024-12-310000708955us-gaap:CashFlowHedgingMember2023-01-012023-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2025-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2024-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2025-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2024-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherAssetsMemberus-gaap:ForeignExchangeMember2025-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherAssetsMemberus-gaap:ForeignExchangeMember2024-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherLiabilitiesMemberus-gaap:ForeignExchangeMember2025-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherLiabilitiesMemberus-gaap:ForeignExchangeMember2024-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:CommodityMember2025-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:CommodityMember2024-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:CommodityMember2025-12-310000708955ffbc:MatchedInterestRateSwapsMemberus-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:CommodityMember2024-12-310000708955us-gaap:NondesignatedMember2025-12-310000708955us-gaap:NondesignatedMember2024-12-310000708955us-gaap:InterestRateFloorMemberus-gaap:OtherLiabilitiesMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2025-12-310000708955us-gaap:DesignatedAsHedgingInstrumentMember2025-12-310000708955us-gaap:InterestRateFloorMemberus-gaap:OtherLiabilitiesMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2024-12-310000708955us-gaap:DesignatedAsHedgingInstrumentMember2024-12-310000708955us-gaap:InterestRateSwapMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:CommodityMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:InterestRateSwapMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:CommodityMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueHedgingMember2025-12-310000708955us-gaap:InterestRateSwapMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:CommodityMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:OtherAssetsMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:InterestRateSwapMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:CommodityMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:OtherLiabilitiesMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueHedgingMember2024-12-310000708955us-gaap:InterestRateSwapMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2025-12-310000708955us-gaap:InterestRateSwapMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2025-01-012025-12-310000708955us-gaap:InterestRateSwapMemberffbc:DerivativeFinancialInstrumentsReceiveVariablePayFixedMember2025-12-310000708955us-gaap:InterestRateSwapMemberffbc:DerivativeFinancialInstrumentsReceiveVariablePayFixedMember2025-01-012025-12-310000708955us-gaap:ForeignExchangeMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2025-12-310000708955us-gaap:ForeignExchangeMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2025-01-012025-12-310000708955us-gaap:ForeignExchangeMemberffbc:DerivativeFinancialInstrumentsReceiveVariablePayFixedMember2025-12-310000708955us-gaap:ForeignExchangeMemberffbc:DerivativeFinancialInstrumentsReceiveVariablePayFixedMember2025-01-012025-12-310000708955us-gaap:CommodityMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2025-12-310000708955us-gaap:CommodityMemberffbc:DerivativeFinancialInstrumentsReceiveFixedPayVariableMember2025-01-012025-12-310000708955us-gaap:CommodityMemberffbc:DerivativeFinancialInstrumentsReceiveVariablePayFixedMember2025-01-012025-12-310000708955us-gaap:DerivativeMember2025-12-310000708955us-gaap:DerivativeMember2025-01-012025-12-310000708955us-gaap:InterestRateFloorMemberus-gaap:FixedIncomeInterestRateMember2025-12-310000708955us-gaap:InterestRateFloorMemberus-gaap:FixedIncomeInterestRateMember2025-01-012025-12-310000708955us-gaap:CreditRiskContractMember2025-01-012025-12-310000708955us-gaap:CreditRiskContractMember2025-12-310000708955us-gaap:CreditRiskContractMember2024-12-310000708955us-gaap:OtherContractMember2025-12-310000708955us-gaap:OtherContractMember2024-12-310000708955us-gaap:OtherContractMember2025-01-012025-12-310000708955us-gaap:InterestRateLockCommitmentsMember2025-12-310000708955us-gaap:OtherCreditDerivativesMember2025-12-310000708955us-gaap:InterestRateLockCommitmentsMember2024-12-310000708955us-gaap:OtherCreditDerivativesMember2024-12-310000708955us-gaap:CommitmentsToExtendCreditMember2025-12-310000708955us-gaap:CommitmentsToExtendCreditMember2024-12-310000708955us-gaap:CreditDefaultSwapMember2025-12-310000708955us-gaap:CreditDefaultSwapMember2024-12-310000708955srt:CumulativeEffectPeriodOfAdoptionAdjustmentMemberus-gaap:RetainedEarningsMember2024-01-010000708955ffbc:LowIncomeHousingTaxCreditsMember2025-12-310000708955ffbc:LowIncomeHousingTaxCreditsMember2024-12-310000708955ffbc:HistoricTaxCreditPAMMember2025-12-310000708955ffbc:HistoricTaxCreditPAMMember2024-12-310000708955ffbc:HistorictaxcreditMember2025-12-310000708955ffbc:HistorictaxcreditMember2024-12-310000708955ffbc:NewMarketsTaxCreditMember2025-12-310000708955ffbc:NewMarketsTaxCreditMember2024-12-310000708955us-gaap:RenewableEnergyProgramMember2025-12-310000708955us-gaap:RenewableEnergyProgramMember2024-12-310000708955ffbc:LowIncomeHousingTaxCreditsMember2025-01-012025-12-310000708955ffbc:LowIncomeHousingTaxCreditsMember2024-01-012024-12-310000708955ffbc:LowIncomeHousingTaxCreditsMember2023-01-012023-12-310000708955ffbc:HistoricTaxCreditPAMMember2025-01-012025-12-310000708955ffbc:HistoricTaxCreditPAMMember2024-01-012024-12-310000708955ffbc:HistoricTaxCreditPAMMember2023-01-012023-12-310000708955ffbc:HistorictaxcreditMember2025-01-012025-12-310000708955ffbc:HistorictaxcreditMember2024-01-012024-12-310000708955ffbc:HistorictaxcreditMember2023-01-012023-12-310000708955ffbc:NewMarketsTaxCreditMember2025-01-012025-12-310000708955ffbc:NewMarketsTaxCreditMember2024-01-012024-12-310000708955ffbc:NewMarketsTaxCreditMember2023-01-012023-12-310000708955us-gaap:RenewableEnergyProgramMember2025-01-012025-12-310000708955us-gaap:RenewableEnergyProgramMember2024-01-012024-12-310000708955us-gaap:RenewableEnergyProgramMember2023-01-012023-12-3100007089552020-06-300000708955us-gaap:NewYorkStateDivisionOfTaxationAndFinanceMember2025-01-012025-12-310000708955us-gaap:NewYorkStateDivisionOfTaxationAndFinanceMember2023-01-012023-12-310000708955stpr:CA2025-01-012025-12-310000708955stpr:IL2025-01-012025-12-310000708955stpr:IL2023-01-012023-12-310000708955us-gaap:NewJerseyDivisionOfTaxationMember2023-01-012023-12-310000708955stpr:TN2023-01-012023-12-310000708955us-gaap:StateAndLocalTaxJurisdictionOtherMember2025-01-012025-12-310000708955us-gaap:StateAndLocalTaxJurisdictionOtherMember2024-01-012024-12-310000708955us-gaap:StateAndLocalTaxJurisdictionOtherMember2023-01-012023-12-310000708955us-gaap:ForeignCountryMember2025-01-012025-12-310000708955us-gaap:ForeignCountryMember2024-01-012024-12-310000708955us-gaap:ForeignCountryMember2023-01-012023-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2025-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2025-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2025-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2025-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2025-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:PensionPlansDefinedBenefitTotalAssetsInFairValueHierarchyMemberMember2025-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMember2025-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMember2025-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMember2025-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2025-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2025-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2025-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2025-12-310000708955us-gaap:PensionPlansDefinedBenefitMember2025-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:MoneyMarketFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2024-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:FixedIncomeFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:EquityFundsMember2024-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:PensionPlansDefinedBenefitTotalAssetsInFairValueHierarchyMemberMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:PensionPlansDefinedBenefitTotalAssetsInFairValueHierarchyMemberMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:PensionPlansDefinedBenefitTotalAssetsInFairValueHierarchyMemberMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:PensionPlansDefinedBenefitTotalAssetsInFairValueHierarchyMemberMember2024-12-310000708955us-gaap:FairValueInputsLevel12And3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2024-12-310000708955ffbc:DefinedBenefitPensionPlanInvestmentsAtFairValueMemberMemberus-gaap:PensionPlansDefinedBenefitMember2024-12-310000708955us-gaap:FairValueInputsLevel1Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:DefinedBenefitPensionPlanInvestmentsAtFairValueMemberMember2024-12-310000708955us-gaap:FairValueInputsLevel2Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:DefinedBenefitPensionPlanInvestmentsAtFairValueMemberMember2024-12-310000708955us-gaap:FairValueInputsLevel3Memberus-gaap:PensionPlansDefinedBenefitMemberffbc:DefinedBenefitPensionPlanInvestmentsAtFairValueMemberMember2024-12-310000708955srt:SubsidiariesMember2024-12-3100007089552020-01-260000708955us-gaap:RestrictedStockMember2025-01-012025-12-310000708955us-gaap:RestrictedStockMember2024-01-012024-12-310000708955us-gaap:RestrictedStockMember2023-01-012023-12-310000708955us-gaap:RestrictedStockMember2024-12-310000708955us-gaap:RestrictedStockMember2023-12-310000708955us-gaap:RestrictedStockMember2022-12-310000708955us-gaap:RestrictedStockMember2025-12-310000708955us-gaap:EmployeeStockOptionMember2023-01-012023-12-310000708955us-gaap:EmployeeStockOptionMember2024-01-012024-12-310000708955us-gaap:EmployeeStockOptionMember2025-01-012025-12-310000708955us-gaap:CarryingReportedAmountFairValueDisclosureMember2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMember2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:CarryingReportedAmountFairValueDisclosureMember2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMember2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955ffbc:ImpairedCommercialAndCommercialRealEstateLoansMemberMember2025-12-310000708955ffbc:ImpairedCommercialAndCommercialRealEstateLoansMemberMember2024-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel12And3Member2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel12And3Member2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel12And3Member2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMember2025-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel12And3Member2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:ForeignExchangeMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel12And3Member2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:CashFlowHedgingMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:CommodityMemberus-gaap:FairValueMeasurementsRecurringMember2024-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:InterestRateContractMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel12And3Member2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310000708955us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:CommercialPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel1Member2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel2Member2024-12-310000708955us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2024-12-310000708955ffbc:WestfieldBankMember2025-11-012025-11-0100007089552025-11-0100007089552024-02-292024-02-2900007089552024-02-290000708955ffbc:AgilePremiumFinanceMember2025-01-012025-12-310000708955ffbc:AgilePremiumFinanceMember2024-01-012024-12-3100007089552021-12-310000708955ffbc:BankFinancialMember2025-12-310000708955ffbc:BankFinancialMember2026-01-012026-01-010000708955srt:ParentCompanyMember2025-12-310000708955srt:ParentCompanyMember2024-12-310000708955ffbc:CommercialBanksMembersrt:ParentCompanyMember2025-12-310000708955ffbc:CommercialBanksMembersrt:ParentCompanyMember2024-12-310000708955ffbc:NonbanksMembersrt:ParentCompanyMember2025-12-310000708955ffbc:NonbanksMembersrt:ParentCompanyMember2024-12-310000708955srt:SubsidiariesMembersrt:ParentCompanyMember2025-12-310000708955srt:SubsidiariesMembersrt:ParentCompanyMember2024-12-310000708955srt:ParentCompanyMember2025-01-012025-12-310000708955srt:ParentCompanyMember2024-01-012024-12-310000708955srt:ParentCompanyMember2023-01-012023-12-310000708955srt:ParentCompanyMember2023-12-310000708955srt:ParentCompanyMember2022-12-31

(Mark One)

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934

Commission File Number 001-34762

(Exact name of registrant as specified in its charter)

Registrant's telephone number, including area code:  (877) 322-9530

Securities registered pursuant to Section 12(b) of the Act:

Securities registered pursuant to Section 12(g) of the Act:

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

The aggregate market value of the voting stock held by non-affiliates of the registrant, computed by reference to the sales price of the last trade of such stock as of June 30, 2025, was $2,296,993,000.  (The exclusion from such amount of the market value of the shares owned by any person shall not be deemed an admission by the registrant that such person is an affiliate of the registrant.)

As of February 18, 2026, there were issued and outstanding 104,586,093 common shares of the registrant.

Portions of the registrant’s Annual Report to Shareholders for the year ended December 31, 2025 (Exhibit 13) are incorporated by reference into Parts I, II and III. Portions of the registrant’s definitive Proxy Statement for the Annual Meeting of Shareholders to be held on May 26, 2026 are incorporated by reference into Part III.

 

Certain statements contained in this Annual Report on Form 10-K and the documents incorporated by reference that are not statements of historical fact, constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, the statements specifically identified as forward-looking statements within this Annual Report on Form 10-K. In addition, certain statements in future filings by us with the SEC, in press releases, and in oral and written statements made by or with our approval, which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include: (i) projections of income or expense, earnings per share, the payment or non-payment of dividends, capital structure and other financial items; (ii) statements of our plans and objectives of our management or Board of Directors, including those relating to products or services or potential acquisition activity; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements. Words such as “believes,” “anticipates,” "likely," “expected,” "estimated," “intends,” “can,” “may,” “should,” “potential,” “believe,” “could,” “will,” “desire,” and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.

The Private Securities Litigation Reform Act of 1995 provides a “safe harbor” for forward-looking statements to encourage companies to provide prospective information so long as those statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those discussed in the forward-looking statements. We desire to take advantage of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.

Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible events, including those factors and events identified (i) in "Item 1A. Risk Factors" of this Annual Report on Form 10-K and (ii) in the "Management's Discussion and Analysis of Financial Condition and Results of Operations" section of First Financial's 2025 Annual Report to Shareholders (included within Exhibit 13 to this Annual Report on Form 10-K and incorporated by reference into Item 7 of this Annual Report on Form 10-K).

Forward-looking statements speak only as of the date on which they are made, and, except as may be required by law, we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made. All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf are qualified in their entirety by the foregoing cautionary statements.

First Financial Bancorp.

First Financial Bancorp., an Ohio corporation (First Financial or the Company), was formed in 1982.  First Financial is a mid-sized, regional bank holding company headquartered in Cincinnati, Ohio, which has elected to become a financial holding company. References in this Form 10-K to “we,” “us” or “our” refer, as the context requires, to First Financial and its subsidiaries, collectively or to First Financial as the holding company.

First Financial engages in the business of commercial banking and other banking and banking-related activities through its wholly-owned subsidiary, First Financial Bank (the Bank), which was founded in 1863. Effective December 30, 2016, the Bank converted its charter to an Ohio state chartered bank from a nationally chartered bank.

The range of banking services provided by First Financial to individuals and businesses includes commercial lending, real estate lending and consumer financing.  Real estate loans are loans secured by a mortgage lien on the real property of the borrower, which may either be residential property (one to four family residential housing units) or commercial property (owner-occupied and/or investor income producing real estate, such as apartments, shopping centers, or office buildings).  Risk of loss related to lending activities is managed by adherence to standard loan policies that establish certain levels of performance prior to the extension of a loan to the borrower.  In addition, First Financial offers deposit products that include interest-bearing and noninterest-bearing accounts, time deposits and cash management services for retail and commercial customers. A full range of trust and wealth management services is also provided through First Financial’s Wealth Management line of business.

Commercial and industrial loans are made to all types of businesses for a variety of purposes including, but not limited to, inventory, receivables and equipment.  First Financial works with businesses to meet their shorter-term working capital needs while also providing long-term financing for their business plans.  First Financial also offers lease and equipment financing primarily through its wholly-owned subsidiary Summit Funding Group, Inc. (Summit) (discussed below).  Credit risk for lending activities is managed through standardized loan policies, established and authorized credit limits, centralized portfolio management and the diversification of market area and industries.  The overall strength of the borrower is evaluated through the credit underwriting process and includes a variety of analytical activities, including the review of historical and projected cash flows, financial performance, financial strength of the principals and guarantors and collateral values, where applicable.

Commercial and industrial lending activities also include equipment and leasehold improvement financing for franchisees throughout the U.S., principally in the quick service and casual dining sector.  The underwriting of these loans incorporates basic credit proficiencies combined with knowledge of select franchise concepts to measure the creditworthiness of proposed multi-unit borrowers.  The focus is on a limited number of concepts that we believe have sound economics, lower closure rates, and higher brand awareness within specified local, regional or national markets.  Loan terms for equipment are generally up to 84 months fully amortizing and up to 180 months on real estate-related requests.

First Financial also offers secured commercial financing throughout the U.S. through two wholly-owned subsidiaries of the Bank, Oak Street Funding LLC (Oak Street) and First Franchise Capital Corporation (First Franchise). Oak Street lends to the insurance industry, registered investment advisors, certified public accountants and indirect auto finance companies, while First Franchise lends to restaurant franchisees. Together, these niche lending activities are driven by acquisitions, ownership transitions and financing general working capital needs.  The underwriting of Oak Street's loans involves analyses of collateral (through use of Oak Street’s proprietary system) that consists of revenue, which is then continuously monitored by Oak Street throughout the life of the loans.

Commercial real estate loans are secured by a mortgage lien on the real property.  The credit underwriting for both owner-occupied and investor income producing real estate loans includes detailed market analysis, historical and projected cash flow analysis, appropriate equity margins, assessment of lessees and lessors, type of real estate and other analyses.  Market diversification within First Financial’s service area and industry diversification are other means by which First Financial manages the risk.  First Financial does not have a significant exposure to residential builders and developers.

Certain residential real estate loans originated by the Bank conform to secondary market underwriting standards and are sold within a short timeframe to unaffiliated third parties. The Bank sells these loans with both servicing retained and servicing released, depending on pricing and other market conditions. The credit underwriting standards adhere to a required level of documentation, verifications, valuation and overall credit performance of the borrower. The underwriting of these loans includes an evaluation of these and other pertinent factors prior to the extension of credit.

These underwriting standards increase the marketability and address the credit risk associated with the loans.

Consumer loans are primarily loans made to individuals, which may be secured or unsecured.  These types of loans include new and used vehicle loans, second mortgages on residential real estate and unsecured loans.  Risk elements in the consumer loan portfolio are primarily focused on the borrower’s cash flow and credit history, which are key indicators of the ability to repay.  A level of security is provided through liens on automobile titles and second mortgage liens, where applicable.  Consumer loans are generally smaller dollar amounts than other types of lending and are made to a large number of customers, increasing diversification within the portfolio.  Economic conditions that affect consumers in First Financial’s markets have a direct impact on the credit quality of these loans.  Higher levels of unemployment, lower levels of income growth and weaker economic growth are factors that may adversely impact consumer loan credit quality.

Home equity lines of credit consist mainly of revolving lines of credit secured by residential real estate.  Home equity lines of credit are generally governed by the same lending policies and subject to the same credit risk mitigants as described previously for residential real estate loans.

Bannockburn Global Forex (Bannockburn), a division of the Bank, is an industry-leading capital markets firm based in Cincinnati, Ohio, that provides transactional currency payments, foreign exchange hedging, commodities hedging and other advisory products to closely held enterprises, financial sponsors and downstream financial institutions across the United States. Their primary focus is on small- and middle-market clients that have a need for tailored foreign exchange solutions. Bannockburn has a nationwide presence with offices in 11 locations throughout the U.S.

Agile Premium Finance, a division of the Bank, is among industry leaders in the premium finance lending space and is active in all 50 states. Headquartered in Lincolnshire, IL, Agile originates commercial loans for the payment of annual premiums for property and casualty insurance for businesses. Agile loans are secured by the unearned premium of the insurance policies and have an average original term of approximately ten months.

Information regarding statistical disclosure required by the Securities and Exchange Commission’s Industry Guide 3 is included in "Table 4 - Statistical Information" of First Financial's 2025 Annual Report to Shareholders for the year ended December 31, 2025, and is incorporated herein by reference.

First Financial's executive office is located at 255 East Fifth Street, Suite 2900, Cincinnati, Ohio 45202, and the telephone number is (877) 322-9530.  We maintain a website with the address www.bankatfirst.com. The information contained on our website is not included, a part of or incorporated by reference into this Annual Report on Form 10-K. First Financial makes available its Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and all amendments to those reports, free of charge, as soon as reasonably practicable after filing with the Securities and Exchange Commission (SEC), through its website, www.bankatfirst.com under the “Investor Relations” link, under “Financial Reporting.”  Copies of such reports also can be found on the SEC’s website at www.sec.gov.

Human Capital

As of December 31, 2025, First Financial had approximately 2,199 employees located primarily in the states of Ohio, Indiana, Kentucky and Illinois.

Employee Wellbeing. First Financial is committed to investing in our employees, recognizing that employee wellbeing is integral to our organizational culture and long-term success. The Company’s approach to wellbeing is multifaceted, supporting employees and their families across five core areas: physical, financial, social, community, and purpose. Our comprehensive Wellbeing Program is designed to promote holistic health and engagement. The program offers a variety of incentives, including health savings account contributions, paid time off, and reimbursements, to encourage voluntary participation in activities such as annual physical exams, health-risk assessments, educational webinars, community service, financial assistance initiatives, and Company-sponsored fitness activities. Additionally, the program provides access to life coaching, mental health resources, and stress management support. In 2025, approximately 60% of eligible employees qualified for benefits under the Wellbeing Program, underscoring our commitment to fostering a healthy, engaged workforce. The Company views employee engagement as a foundational element in achieving strategic objectives and maintaining a high-performance culture.

Employee Engagement. First Financial recognizes that engaged and talented employees are vital to the success of the Company, its subsidiaries, and the clients and communities it serves. Since launching its engagement strategy in 2020, First Financial has partnered with a third party to foster a culture of engagement through comprehensive measurement, targeted manager training, coaching, and action planning. In July 2025, the Company conducted its sixth all-associate engagement survey, recording a significant increase in engagement compared to the prior year.

This result underscores the effectiveness of initiatives such as manager accountability, coaching, training, regular team huddles, mentoring, career and leadership development, and updated action plans. Throughout 2025, First Financial expanded opportunities for associate communication and involvement, hosting monthly virtual town hall meetings and in-person market rallies across its footprint. These events enhanced transparency, reinforced strategic priorities, and celebrated contributions to the communities we serve. Additionally, supplemental pulse surveys provided valuable insight into employee needs, shaping future engagement initiatives. Reflecting the success of its engagement strategy, First Financial Bank was honored with the Gallup Exceptional Workplace Award in 2025.

Compensation and Benefits. First Financial offers employees competitive short-term and long-term compensation, a comprehensive set of benefits including health, dental and vision insurance, free or low-cost access to an independent provider of primary care clinics and behavioral health services, life and disability programs, paid time off, parental leave, product discounts and various expense reimbursement programs. First Financial also provides all eligible employees with an annual allocation to the First Financial Pension Plan of 5% of eligible annual pay. The pension allocation is 100% company-paid, fully-vested, portable, and provides a guaranteed benefit upon retirement. The Bank regularly reviews its total rewards practices to ensure compensation is equitable, taking into consideration such factors as experience, education, performance and market data.

Talent Development. First Financial focuses our training programs on career development, onboarding new associates, security, and compliance. While many training topics are required based on role, we offer a variety of topics associates can access for their own development. In 2025, we offered on-the-job skills, leadership, associate engagement, personal development, and career development training. Our commitment to security training comprises both physical and cybersecurity, and our compliance training centers around regulations, policies, and procedures. Similar to prior years, in 2025, First Financial delivered a comprehensive onboarding program for new managers and a high performing program for associates, investing in our future leaders.

Subsidiaries

A listing of each of First Financial’s subsidiaries can be found in Exhibit 21 to this Form 10-K.

Business Combinations

Agile Premium Finance. On February 29, 2024, First Financial acquired Agile Premium Finance for $96.9 million in an all cash transaction. Agile originates commercial loans for the payment of annual property and casualty insurance for businesses. The loans are secured by the unearned premium of the policies and have an average term of approximately ten months. Upon completion of the transaction, Agile became a division of the Bank and continues to operate as Agile Premium Finance, taking advantage of its existing brand recognition within the insurance premium financing industry.

Operating results from the Agile acquisition have been included in the Consolidated Statements of Income since the acquisition date. The Agile transaction was accounted for using the acquisition method of accounting and accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at estimated fair value on the acquisition date in accordance with FASB ASC Topic 805, Business Combinations. The fair value measurements of assets acquired and liabilities assumed were $97.8 million and $2.7 million, respectively. Acquisition accounting adjustments are considered final at December 31, 2025.

Goodwill arising from the Agile acquisition was $1.8 million and reflects the additional revenue growth expected with the Company's expansion into the insurance premium financing business. First Financial incurred $0.1 million and $0.2 million of expenses related to the Agile acquisition for the years ended December 31, 2025 and December 31, 2024, respectively. The goodwill arising from the Agile acquisition is deductible for income tax purposes. For further detail, see Note 10 – Goodwill and Other Intangible Assets.

Westfield Bancorp. Inc. On November 1, 2025, First Financial Bancorp acquired Westfield Bancorp, Inc., an Ohio corporation (“Westfield Bancorp”). Upon completion of the transaction, Westfield Bank, FSB, a federal savings bank (“Westfield Bank”), and a wholly owned subsidiary of Westfield Bancorp, merged into First Financial Bank. Pursuant to the Purchase Agreement, First Financial acquired all of the issued and outstanding equity securities of Westfield Bancorp in exchange for a cash payment of $260.0 million and 2,753,094 shares of First Financial common stock, equal to $64.4 million based on First Financial's stock price on the date the transaction, for a total purchase price of $324.4 million.

This acquisition supplements First Financial’s existing commercial banking and wealth management presence in Northeast Ohio by adding all of Westfield’s retail banking locations and its commercial lending, insurance agency lending and private banking services. Operating results from the Westfield acquisition have been included in the Consolidated Statements of Income since the acquisition date.

BankFinancial Corporation. In August 2025, the Company entered into an Agreement and Plan of Merger with BankFinancial Corporation, a Maryland corporation (“BankFinancial Corporation”). The transaction was completed subsequent to the end of the year, effective January 1, 2026, at which time BankFinancial, National Association, a national banking association, and a wholly owned subsidiary of BankFinancial Corporation, merged into First Financial Bank. As of December 31, 2025, BankFinancial Corporation operated 17 full-service banking offices and had, on an unaudited basis, approximately $1.4 billion of total assets, $700.2 million of total loans and $1.2 billion of total deposits.

Pursuant to the merger agreement, each share of BankFinancial Corporation common stock was converted into 0.48

shares of First Financial common stock, or 5,980,878 total shares of First Financial common stock.

Market and Competitive Information

First Financial utilizes a community banking business model and serves a combination of metropolitan and non-metropolitan markets through its full-service banking centers primarily in Ohio, Indiana, Kentucky and Illinois. Market selection is based upon a number of factors, but markets are primarily chosen for their potential for growth, long-term profitability and customer reach. First Financial’s goal is to develop a competitive advantage through a local market focus, building long-term relationships with clients to help them reach greater levels of financial success.

We also compete on a nationwide basis through Oak Street, which lends to the insurance industry, registered investment advisors, certified public accountants and indirect auto finance companies; First Franchise, which lends to restaurant franchisees; Bannockburn, which provides foreign exchange services to customers throughout the United States; and Summit, which provides equipment financing to commercial businesses in the United States and Canada.

The Company’s markets support many different types of business activities, such as manufacturing, agriculture, education, healthcare and professional services. Within these markets, growth is projected to continue in key demographic groups and populations. First Financial’s market evaluation includes demographic measures such as income levels, median household income and population growth. The Midwestern markets that First Financial serves have historically not experienced the level of economic volatility experienced in other areas of the country, although material fluctuations may occur.

First Financial believes that it is well positioned to compete in its markets. Smaller than super-regional and multi-national bank holding companies, First Financial believes that it can meet the needs of its markets through a local decision-making process and that it is better positioned to compete than smaller community banks that may have size or geographic limitations. First Financial’s targeted customers include individuals and small to medium sized businesses within the Bank's geographic footprint. Through its diversified delivery systems of banking centers, ATMs, internet banking and telephone-based transactions, First Financial is able to meet the needs of its customers in an ever-changing marketplace.

First Financial faces strong competition from financial institutions and other non-financial organizations. Its competitors include local and regional financial institutions, savings and loans and bank holding companies, as well as some of the largest banking organizations in the United States. In addition, other types of financial institutions, such as credit unions, offer a wide range of loan and deposit services that are competitive with those offered by First Financial. The consumer is also served by brokerage firms and mutual funds that provide checking services, credit cards, margin loans and other services similar to those offered by First Financial. Online lenders also create additional competition, particularly in the mortgage and consumer lending areas. Major consumer retail stores compete for loans by offering credit cards and retail installment contracts. It is anticipated that competition from other financial and non-financial services entities will continue and, for certain products and services, intensify. First Financial also competes with Financial Technology Companies (“FinTechs”) which provide similar services to financial institutions while operating predominantly online and without the use of physical branch locations in a customer’s market area. FinTechs also compete with financial institutions by embedding financial services into non-bank platforms which could reduce customer reliance on traditional banking services. Digital assets and cryptocurrencies also operate as competitors, as many of these digital assets and cryptocurrencies seek to provide payment functionality. Many customers either hold or may consider holding money that would typically be held in deposit accounts or investments in the form of digital assets or cryptocurrencies, which serves as competition for deposits.

First Financial and its subsidiaries operate within a comprehensive system of federal and state banking laws and regulations designed primarily to protect consumers, depositors, borrowers, and the Deposit Insurance Fund (DIF) of the Federal Deposit Insurance Corporation (FDIC), and to promote the stability and soundness of the U.S. banking system. These laws and regulations are not designed for the protection of First Financial shareholders. These laws and regulations govern, among other matters, capital adequacy, permissible activities, allowance for credit losses, lending practices, investment activities, interest rate practices, and disclosures in consumer financial products.

As a public company, First Financial also files reports with the SEC and is subject to its regulatory authority, including the disclosure and regulatory requirements of the Securities Act of 1933, as amended (the “Securities Act”), and the Securities Exchange Act of 1934, as amended (the “Exchange Act”), with respect to First Financial’s securities, financial reporting and certain governance matters. Because First Financial’s securities are listed on the Nasdaq Global Select Market (“Nasdaq”), it is subject to Nasdaq's rules for listed companies, including rules relating to corporate governance.

Certain elements of selected laws and regulations are described in more detail in the sections that follow. These descriptions are not intended to be complete and are qualified in their entirety by reference to the full text of the statutes and regulations described.

Bank Holding Company Financial Holding Company Regulation

First Financial is a bank holding company that has elected to become a financial holding company and is subject to supervision and examination by the Board of Governors of the Federal Reserve System (Federal Reserve) under the Bank Holding Company Act of 1956, as amended (BHCA). Under the BHCA, the Federal Reserve must approve, among other things, (i) the direct or indirect acquisition of ownership or control (as defined in the BHCA and Federal Reserve regulations) of a bank that is not already majority-owned by the financial holding company; (ii) the acquisition of all or substantially all of the assets of another bank or another financial or bank holding company; or (iii) a merger or consolidation with any other financial or bank holding company. In addition, the acquisition of a savings and loan association by First Financial would also require prior Federal Reserve approval.

As a financial holding company, First Financial may affiliate with securities firms and insurance companies and engage in other activities that are financial in nature and not otherwise permissible for a bank holding company, if: (i) the holding company is "well managed" and "well capitalized" and (ii) each of its subsidiary banks (a) is well capitalized under the Federal Deposit Insurance Corporation Act of 1991 prompt corrective action provisions, (b) is well managed, and (c) has at least a "satisfactory" rating under the Community Reinvestment Act (CRA). If any holding company fails to maintain these qualifications, material restrictions may be placed on its activities, and it could be required to divest subsidiaries engaged in activities not permissible for bank holding companies not operating as financial holding companies. If restrictions are imposed on the activities of a financial holding company, the existence of such restrictions may not be made publicly available pursuant to confidentiality regulations of the bank regulatory agencies. No regulatory approval is required under the BHCA for a financial holding company to acquire a company, other than a bank or savings association, engaged in activities that are financial in nature or incidental to activities that are financial in nature, as determined by the Federal Reserve Board. The Financial Services Modernization Act defines “financial in nature” to include: (i) securities underwriting, dealing and market making; (ii)

sponsoring mutual funds and investment companies; (iii) insurance underwriting and agency; (iv) merchant banking; and (v) activities that the Federal Reserve Board has determined to be closely related to banking.

The Federal Reserve adopted a final rule in April 2020 clarifying presumptions used to determine when a company exercises control over another entity for BHCA purposes, enhancing transparency in control determinations. The rule established tiered presumptions of control based on ownership percentage, director representation, business relationships, and contractual rights.

The Federal Reserve has broad enforcement authority over bank holding companies, including the ability to impose civil money penalties, issue cease and desist or removal orders, and require divestitures of subsidiary entities. A bank holding company is expected to act as a source of financial strength to its subsidiary banks, and the Federal Reserve may limit dividends or require contributions of capital where necessary or prudent.

Federal Reserve System Regulation

Each subsidiary bank of a financial holding company is subject to certain restrictions on the maintenance of reserves against deposits, extensions of credit to the financial holding company and its subsidiaries, investments in the stock and other securities of the financial holding company and its subsidiaries and the taking of such stock and securities as collateral for loans to borrowers. Further, a financial holding company and its subsidiaries are prohibited from engaging in certain tying arrangements in connection with any extension of credit, lease or sale of property or furnishing of any services. Various consumer laws and regulations also affect the operations of these subsidiaries.

Depository institutions, including the Bank, are required to maintain reserves against certain deposit liabilities. In response to the COVID-19 pandemic, the Federal Reserve reduced reserve requirement ratios to 0% effective March 26, 2020, and this level remained unchanged as of December 31, 2025. The Federal Reserve retains authority to reinstate reserve requirements at any time.

Economic Growth, Regulatory Relief and Consumer Protection Act

The Economic Growth, Regulatory Relief and Consumer Protection Act of 2018 modified or eliminated certain enhanced regulatory and compliance requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) for bank holding companies with consolidated assets below $100 billion. As a bank holding company with assets below this threshold, First Financial benefits from relief from certain enhanced regulatory reporting, stress testing, and capital planning requirements.

Depository Institution Regulation

The Bank, as a bank chartered under the laws of the State of Ohio and a member of the Federal Reserve Bank of Cleveland (Federal Reserve Bank), is subject to supervision and examination by the Federal Reserve Board and the Ohio Division of Financial Institutions (ODFI). The Bank's deposits are insured up to applicable legal limits by the DIF, which is administered by the FDIC and is subject to the provisions of the Federal Deposit Insurance Act, as amended (FDIA). The Bank is also subject to regulations of the Consumer Financial Protection Bureau (CFPB), which was established by the Dodd-Frank Act and has broad powers to adopt and enforce consumer protection regulations.

In November 2025, banking regulators announced that the focus of supervision and examination would shift from “processes, procedures and documentation” to material financial risks. The Bank anticipates that the shift in focus of banking regulators could result in more concise and directed examinations as a result of the more clear and limited directives.

Regulatory Capital

Financial institutions and their holding companies are required to maintain capital as a way of absorbing losses. The Federal Reserve Board has adopted risk-based capital guidelines for bank holding companies as well as state banks that are members of a Federal Reserve Bank. The guidelines provide a systematic analytical framework that makes regulatory capital requirements sensitive to differences in risk profiles among banking organizations, takes off-balance sheet exposures expressly into account in evaluating capital adequacy and incentivizes to holding liquid, low-risk assets. Capital levels as measured by these standards are also used to categorize financial institutions for purposes of certain prompt corrective action regulatory provisions.

In July 2013, the United States banking regulators approved final rules (the Basel III Capital Rules) implementing the Basel III framework set forth by the Basel Committee on Banking Supervision, as well as certain provisions of the Dodd-Frank Act. Community banking organizations, including First Financial and the Bank, began transitioning to the new rules when the new minimum capital requirements became effective on January 1, 2015.

A capital conservation buffer (i.e. common equity) and additional deductions from common equity capital were phased in through January 1, 2019.

The Basel III capital rules include (i) a minimum Common Equity Tier 1 capital ratio of 7.0%, (ii) a minimum Tier 1 Capital ratio of 8.5%, (iii) a minimum total capital ratio of 10.5% and (iv) a minimum leverage ratio of 4.0%.

Common equity for the Common Equity Tier 1 capital ratio generally consists of common stock (plus related surplus), retained earnings, accumulated other comprehensive income (unless an institution elects to exclude such income from regulatory capital) and limited amounts of minority interests in the form of common stock, subject to applicable regulatory adjustments and deductions.

Tier 1 capital generally includes Common Equity Tier 1 (CET1) capital and Additional Tier 1 capital. CET1 capital generally consists of common stock and related surplus (net of treasury stock), retained earnings, accumulated other comprehensive income (subject to any applicable opt-out), and certain other comprehensive income elements, less required regulatory deductions and adjustments.

Additional Tier 1 capital generally includes qualifying noncumulative perpetual preferred stock and related surplus, as well as other qualifying Additional Tier 1 instruments, including limited amounts of minority interests. For bank holding companies that made a timely election under the regulatory capital transition provisions, certain trust preferred securities and cumulative perpetual preferred stock may continue to qualify as Additional Tier 1 capital under grandfathering provisions, subject to applicable limits. Tier 1 capital is reduced by required regulatory deductions and adjustments.

Tier 2 capital consists of qualifying subordinated debt, certain preferred stock instruments that do not qualify as Additional Tier 1 capital, limited amounts of minority interests not included in Tier 1 capital, and an eligible portion of the allowance for credit losses (or allowance for loan and lease losses, as applicable). Tier 2 capital is subject to specified eligibility criteria, phase-ins, regulatory limits, and required deductions.

The deductions from common equity tier 1 capital include goodwill and other intangibles, certain deferred tax assets, mortgage-servicing assets above certain levels, gains on sale in connection with a securitization, investments in a banking organization’s own capital instruments and investments in the capital of unconsolidated financial institutions (above certain levels).

Under the guidelines, capital is compared to the relative risk included in the balance sheet. To derive the risk included in the balance sheet, one of several risk weights is applied to different balance sheet and off-balance sheet assets, primarily based on the relative credit risk of the counterparty. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

The Basel III Capital Rules also place restrictions on the payment of capital distributions, including dividends and stock repurchases, and certain discretionary bonus payments to executive officers if the Company does not hold a capital conservation buffer of at least 2.5% composed of common equity tier 1 capital compared to its minimum risk-based capital requirements, or if its eligible retained income is negative in that quarter and its capital conservation buffer ratio was less than 2.5% at the beginning of the quarter.

Federal banking regulators have established regulations governing prompt corrective action to resolve capital deficient banks. Under these regulations, institutions that become under-capitalized are subject to mandatory regulatory scrutiny and limitations, which increase as capital continues to decrease. Each such institution is also required to file a capital plan with its primary federal regulator, and its holding company must guarantee the capital shortfall up to the lesser of 5% of the assets of the capital deficient institution at the time it becomes under-capitalized, or the amount necessary to restore bank to adequately capitalized status.

In accordance with the Basel III Capital Rules, in order to be “well-capitalized” under the prompt corrective action guidelines, a bank must have a common equity tier 1 capital ratio of at least 6.5%, a total risk-based capital ratio of at least 10.0%, a tier 1 risk-based capital ratio of at least 8.0% and a leverage ratio of at least 5.0%, and the bank must not be subject to any written agreement, order, capital directive or prompt corrective action directive to meet and maintain a specific capital level or any capital measure. At December 31, 2025, the Bank met the capital ratio requirements to be deemed “well-capitalized.”

A bank with a capital level that might qualify for well capitalized or adequately capitalized status may nevertheless be treated as though the bank is in the next lower capital category if the bank’s primary federal banking supervisory authority determines that an unsafe or unsound condition or practice warrants that treatment. A bank’s operations can be significantly affected by its capital classification under the prompt corrective action rules. For example, a bank that is not well capitalized generally is prohibited from accepting brokered deposits and offering interest rates on deposits higher than the prevailing rate in its market without advance regulatory approval.

These deposit-funding limitations can have an effect on the bank’s liquidity. At each successively lower capital category, an insured depository institution is subject to additional restrictions. Under-capitalized banks are required to take specified actions to increase their capital or otherwise decrease the risks to the DIF. Bank regulatory agencies generally are required to appoint a receiver or conservator within 90 days after a bank becomes critically under-capitalized with a leverage ratio of less than 2.0%. The FDIA provides that a federal bank regulatory authority may require a bank holding company to divest itself of an under-capitalized bank subsidiary if the agency determines that divestiture will improve the bank’s financial condition and prospects.

Debit Card Interchange Fees

The “Durbin Amendment” to the Dodd-Frank Act, also known as Regulation II limits the amount of interchange fees that banks with assets of $10 billion or more may charge to process electronic debit transactions. Under the Durbin Amendment and the Federal Reserve Board’s implementing regulations, bank issuers which are not exempt may only receive an interchange fee from merchants that is reasonable and proportional to the cost of clearing the transaction. The maximum permissible interchange fee is equal to no more than $0.21 plus 5 basis points of the transaction value for many types of debit interchange transactions. A debit card issuer may also recover $0.01 per transaction for fraud prevention purposes if the issuer complies with certain fraud-related requirements established by the Federal Reserve Board. In addition, the Federal Reserve Board has rules governing routing and exclusivity that require issuers to offer two unaffiliated networks for routing transactions on each debit or prepaid product.

Limitations on Dividends and Other Payments

There are various legal limitations on the extent to which a subsidiary bank may finance or otherwise supply funds to its parent holding company. Under applicable federal and state laws, the Bank may not, subject to certain limited exceptions, make loans or extensions of credit to, or investments in the securities of, First Financial. A subsidiary bank is also subject to collateral security requirements for any loan or extension of credit permitted by such exceptions.

The Bank may not pay dividends out of its surplus if, after paying these dividends, it would fail to meet the required minimum capital levels established by the Federal Reserve Board. The amount of dividends payable by the Bank is also restricted if the Bank does not hold a capital conservation buffer as described above. In addition, the Bank must have the approval of the Federal Reserve Board and the ODFI if a dividend in any year would cause the total dividends for that year to exceed the sum of the Bank’s net income for the current year and the retained earnings for the preceding two years, less required transfers to surplus or to fund the retirement of preferred stock. Under Ohio law, the Bank may pay a dividend from surplus only with the approval of First Financial (as the sole shareholder of the Bank) and the approval of the ODFI. Payment of dividends by the Bank may be restricted at any time at the discretion of its regulatory authorities, if such regulatory authorities deem such dividends to constitute unsafe and/or unsound banking practices or if necessary to maintain adequate capital.

The ability of First Financial to obtain funds for the payment of dividends, for the servicing of indebtedness and for other cash requirements is largely dependent on the amount of dividends that may be declared by the Bank. However, because the Federal Reserve Board expects First Financial to serve as a source of strength to the Bank, as discussed above, payment of dividends by the Bank may be restricted at any time at the discretion of the Federal Reserve Board if the Federal Reserve Board deems such dividends to constitute an unsafe and/or unsound banking practice.

The Federal Reserve Board has also issued a policy statement with regard to the payment of cash dividends by financial holding companies and other bank holding companies. The policy statement provides that, as a matter of prudent banking, a bank holding company should not maintain a rate of cash dividends unless its net income available to common shareholders over the past year has been sufficient to fully fund the dividends, and the prospective rate of earnings retention appears to be consistent with the bank holding company’s capital needs, asset quality, and overall financial condition. Accordingly, a bank holding company generally should not pay cash dividends that exceed its net income or that can only be funded in ways that weaken the bank holding company’s financial health, such as by borrowing. Under certain circumstances, a bank holding company must provide notice to the Federal Reserve Board of an intended dividend payment, to which the Federal Reserve Board might object if it determines the payment would be an unsafe or unsound practice.

Insurance of Accounts

The FDIC maintains the DIF, which insures the deposit accounts of the Bank to the maximum amount provided by law. The general insurance limit is $250,000 per depositor, per ownership category, which is backed by the full faith and credit of the United States.

The FDIC assesses deposit insurance premiums on each insured institution quarterly based on risk characteristics of the institution. As a bank with assets of more than $10 billion, First Financial is subject to a deposit assessment based on a scorecard issued by the FDIC. This scorecard considers, among other things, the Bank’s CAMELS rating, results of asset-related stress testing and funding-related stress, as well as its use of core deposits, among other things. Depending on the results of the Bank’s performance under that scorecard, the total base assessment rate is between 2.5 and 42 basis points. The FDIC may also impose a special assessment in an emergency situation.

To address losses attributable to the systemic risk determination following the failures of Silicon Valley Bank and Signature Bank, the FDIC adopted a special assessment regime. In December 2025, the FDIC issued an interim final rule amending the collection framework for the special assessment to better align the assessment base with estimated losses, adjust the rate for the final collection quarter, and provide for potential offsets or final shortfall assessments after receivership termination. Estimated losses recoverable through the special assessment are approximately $16.7 billion as of September 30, 2025.

As of December 31, 2025, the Bank reported $7.4 billion in uninsured deposits.

The FDIC has authority to examine and require reporting from insured institutions and may terminate deposit insurance upon finding unsafe or unsound practices, violations of law, or material regulatory breaches.

Community Reinvestment Act

Under the CRA, FDIC-insured institutions are obligated, consistent with safe and sound banking practices, to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA requires the appropriate federal banking regulator, in connection with the examination of an insured institution, to assess the institution's record of meeting the credit needs of its community and to consider this record in its evaluation of certain applications to banking regulators, such as an application for approval of a merger or the establishment of a branch. An unsatisfactory rating may be used as the basis for the denial of an application and will prevent a bank holding company from making an election to become a financial holding company. As of the Bank’s most recent CRA examination, it received a rating of “outstanding” under applicable CRA regulations.

Federal banking agencies had issued a final rule in October 2023 designed to modernize CRA regulations with applicability originally scheduled for 2026 and 2027. However, in light of litigation challenging the 2023 CRA rule’s implementation, the agencies, on July 16, 2025, proposed rescinding the 2023 rule and reinstating the prior regulatory framework, substantially equivalent to the regulations in effect prior to the 2023 rule, with certain technical updates. While the proposal remains subject to notice and comment, the prior regulatory framework continues to govern CRA evaluations.

Consumer Protection Regulation and CFPB Supervision

The Bank is subject to extensive federal consumer protection laws and regulations enforced by the Consumer Financial Protection Bureau (“CFPB”), including, among others, the Consumer Financial Protection Act, the Consumer Leasing Act of 1976, the Electronic Fund Transfer Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Gramm-Leach-Bliley Act (“GLBA”), the Home Mortgage Disclosure Act of 1975, the Homeowners Protection Act of 1998, the Military Lending Act, the Real Estate Settlement Procedures Act of 1974, the Truth in Lending Act, and the Truth in Savings Act. As a bank with total assets exceeding $10 billion, the Bank is primarily examined by the CFPB with respect to consumer protection compliance. In 2025, the United States Congress reduced federal funding to the CFPB, and the agency’s status is currently undergoing changes of leadership, goals, directive, and enforcement capabilities. The Bank will monitor the status of the CFPB and implement any necessary changes to its policies, procedures, and/or operations in response to any changes with the CFPB.

Privacy Rules

Federal banking regulators, as required under the GLBA, have adopted rules limiting the ability of banks and other financial institutions to disclose nonpublic information about consumers to non-affiliated third parties. The rules require disclosure of privacy policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to non-affiliated third parties.

The privacy provisions of the GLBA affect how consumer information is transmitted through diversified financial services companies and conveyed to outside vendors.

Fiscal and Monetary Policies

The earnings of banks, and, therefore, the earnings of First Financial (and its subsidiaries), are affected by the fiscal and monetary policies of the United States government and its agencies, including the Federal Reserve Board. An important function of the Federal Reserve Board is to regulate the national supply of bank credit in an effort to prevent recession and to restrain inflation. Among the procedures used to implement these objectives are open market operations in United States government securities, changes in the discount rate on member bank borrowings, and changes in reserve requirements on member bank deposits. These policies are used in varying degrees and combinations to directly affect the availability of bank loans and deposits, as well as the interest rates charged on loans and paid on deposits.

Volcker Rule

In December 2013, five federal agencies adopted a final regulation implementing the so-called Volcker Rule provision of the Dodd-Frank Act (the "Volcker Rule"). The Volcker Rule placed limits on the trading activity of insured depository institutions and entities affiliated with depository institutions, subject to certain exceptions. Such trading activity included the purchase or sale as principal of a security derivative, commodity future, option, or similar instrument in order to benefit from short-term price movements or to realize short-term profits. The Volcker Rule exempted trading in specified United States government, agency, state and/or municipal obligations. The Volcker Rule also excluded: (i) trading conducted in certain capacities, including as a broker or other agent, through a deferred compensation or pension plan, as a fiduciary on behalf of customers; (ii) trading to satisfy a debt previously contracted; (iii) trading under certain repurchase and securities lending agreements; and (iv) trading in connection with risk-mitigating hedging activities. Further, the Volcker Rule prohibited a banking entity from having an ownership interest in, or certain relationships with, a hedge fund or private equity fund, also known as “covered funds,” subject to a number of exceptions.

On June 25, 2020, the federal bank regulatory agencies finalized a rule modifying the Volcker Rule’s prohibition on banking entities investing in or sponsoring covered funds. The new rule permits certain banking entities to offer financial services and engage in other activities that do not raise concerns that the Volcker Rule was originally intended to address. To the extent First Financial engages in any of the trading activities or has any ownership interests in or relationship with any of the types of funds regulated by the Volcker Rule, First Financial believes that its activities and relationships comply with such rule, as modified through rule-making.

Office of Foreign Assets Control Regulation

The United States Treasury Department’s Office of Foreign Assets Control ("OFAC") administers and enforces economic and trade sanctions against targeted foreign countries and regimes, under authority of various laws, including designated foreign countries, nationals and others. OFAC publishes lists of specially designated targets and countries. First Financial is responsible for, among other things, blocking accounts of, and transactions with, such targets and countries, prohibiting unlicensed trade and financial transactions with them and reporting blocked transactions after their occurrence. Failure to comply with these sanctions could have serious financial, legal and reputational consequences, including causing applicable bank regulatory authorities not to approve merger or acquisition transactions when regulatory approval is required or to prohibit such transactions even if approval is not required. Regulatory authorities have imposed cease and desist orders and civil money penalties against institutions found to be violating these obligations. The Bank has established policies and procedures that it considers to be in compliance with the requirements and obligations of OFAC and the laws it regulates.

Incentive Compensation

Following the adoption of additional listing requirements in 2023 to comply with the Dodd-Frank Act and rules adopted by the SEC in October 2022, public companies are required to adopt, implement and disclose a "clawback" policy for incentive compensation payments that allows recovery of incentive compensation that was paid on the basis of erroneous financial information necessitating an accounting restatement due to material noncompliance with financial reporting requirements. This clawback policy is intended to apply to compensation paid within the three completed fiscal years immediately preceding the date the issuer is required to prepare a restatement and would cover all executives (including former executives) who received incentive awards. First Financial has adopted and implemented a clawback policy, which is included as Exhibit 97 to this Report.

Transactions with Affiliates; Insider Loans Sections 23A and 23B of the Federal Reserve Act and Federal Reserve Board Regulation W generally:

•limit the extent to which a bank or its subsidiaries may engage in “covered transactions” with any one affiliate to an amount equal to 10.0% of the bank's capital stock and surplus;

•limit the extent to which a bank or its subsidiaries may engage in “covered transactions” with all affiliates to an amount equal to 20.0% of the bank's capital stock and surplus; and

•require that all such transactions be on terms substantially the same, or at least as favorable to the bank or subsidiary, as those provided to a non-affiliate.

An affiliate of a bank is any company or entity that controls, is controlled by or is under common control with the bank. The term “covered transaction” includes the making of loans to the affiliate, the purchase of assets from the affiliate, the issuance of a guarantee on behalf of the affiliate, the purchase of securities issued by the affiliate and other similar types of transactions.

A bank’s authority to extend credit to executive officers, directors and greater than 10.0% shareholders, as well as entities such persons control, is subject to Sections 22(g) and 22(h) of the Federal Reserve Act and Regulation O promulgated thereunder by the Federal Reserve Board. Among other things, these loans must be made on terms (including interest rates charged and collateral required) substantially similar to those offered to unaffiliated individuals or be made as part of a benefit or compensation program on terms widely available to employees and must not involve a greater than normal risk of repayment. In addition, the amount of loans a bank may make to these persons is based, in part, on the bank’s capital position, and specified approval procedures must be followed in making loans which exceed specified amounts.

Cybersecurity

In March 2015, federal regulators issued two related statements regarding cybersecurity. One statement indicates that financial institutions should design multiple layers of security controls to establish several lines of defense and to ensure that their risk management processes also address the risk posed by compromised customer credentials, including security measures to reliably authenticate customers accessing Internet-based services of the financial institution. The other statement indicates that a financial institution’s management is expected to maintain sufficient business continuity planning processes to ensure the rapid recovery, resumption and maintenance of the financial institution’s operations after a cyber-attack involving destructive malware. A financial institution is also expected to develop appropriate processes to enable recovery of data and business operations and address rebuilding network capabilities and restoring data if the financial institution or its critical service providers fall victim to this type of cybersecurity-attack. If First Financial fails to observe the regulatory guidance, it could be subject to various regulatory sanctions, including financial penalties.

In November 2021, the FDIC, the OCC and the Federal Reserve Board issued a final rule that became effective in May 2022 requiring banking organizations that experience a computer-security incident to notify certain entities. A computer-security incident occurs when there is a violation or imminent threat of a violation to banking security policies and procedures, or when actual or potential harm to the confidentiality, integrity, or availability of an information system or the information occurs. The affected bank must notify its respective federal regulator of the computer-security incident as soon as possible and no later than 36 hours after the bank determines a computer-security incident that rises to the level of a notification incident has occurred. These notifications are intended to promote early awareness of threats to banking organizations and will help banks react to those threats before they manifest into larger incidents. This rule also requires bank service providers to notify their customers of a computer-security incident that has caused, or is reasonably likely to cause, a material service disruption or degradation for four or more hours.

State regulators have also been increasingly active in implementing privacy and cybersecurity standards and regulations. Recently, several states have adopted regulations requiring certain financial institutions to implement cybersecurity programs and providing detailed requirements with respect to these programs, including data encryption requirements. Many states have also recently implemented or modified their data breach notification and data privacy requirements. First Financial expects this trend of new state-level activity to continue and is actively monitoring developments in the states in which we conduct business.

On July 26, 2023, the SEC adopted final rules that require public companies to promptly disclose material cybersecurity incidents in a Current Report on Form 8-K and detailed information regarding their cybersecurity risk management, strategy, and governance on an annual basis in an Annual Report on Form 10-K. Companies are required to report on Form 8-K any cybersecurity incident they determine to be material within four business days of making that determination. See “ITEM 1C CYBERSECURITY” of Part 1 of this Report.

These SEC rules, and any other regulatory guidance, are in addition to notification and disclosure requirements under state and federal banking law and regulations.

In the ordinary course of business, First Financial relies on electronic communications and information systems to conduct its operations and to store sensitive data. First Financial employs an in-depth, layered, defensive approach that leverages people, processes, third-party service providers, encryption and multi-factor authentication technology to manage and maintain cybersecurity controls. First Financial utilizes a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity, as well as report on any suspected advanced persistent threats. Notwithstanding the strength of First Financial’s defensive measures, the threat from cybersecurity-attacks is severe, attacks are sophisticated and increasing in volume, and attackers respond rapidly to changes in defensive measures. First Financial’s systems and those of its customers and third party service providers are under constant threat and it is possible that First Financial could experience a significant event in the future. Risks and exposures related to cybersecurity attacks are expected to remain high for the foreseeable future due to the rapidly evolving nature and sophistication of these threats, in addition to the expanding use of internet banking, mobile banking and other technology-based products and services by us and our customers.

Patriot Act

A major focus of governmental policy on financial institutions in recent years has been aimed at combating money laundering and terrorist financing. In response to the terrorist events of September 11, 2001, the Uniting and Strengthening of America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the "Patriot Act") substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due diligence obligations, creating new crimes and penalties, and expanding the extra-territorial jurisdiction of the United States. The Patriot Act gives the United States government powers to address terrorist threats through enhanced domestic security measures, expanded surveillance powers, increased information sharing and broadened anti-money laundering requirements. Title III of the Patriot Act encourage information sharing among bank regulatory agencies and law enforcement bodies. Further, certain provisions of Title III impose affirmative obligations on a broad range of financial institutions. Among other requirements, Title III and related regulations require regulated financial institutions to establish a program specifying procedures for obtaining identifying information from customers seeking to open new accounts and establish enhanced due diligence policies, procedures and controls designed to detect and report suspicious activity. The Bank has established policies and procedures that it considers to be in compliance with the requirements of the Patriot Act.

State Law

As an Ohio-chartered bank, the Bank is subject to regular examination by the ODFI. State banking regulation affects the Bank’s internal organization and corporate governance, capital distributions, activities, acquisitions of other institutions and branching. State banking regulation may contain limitations on an institution’s activities that are in addition to limitations imposed under federal banking law. The ODFI may initiate supervisory measures or formal enforcement actions, and under certain circumstances, it may take control of an Ohio-chartered bank.

Future Legislation and Regulation

Federal and state banking laws, regulations and regulatory policies are subject to ongoing review and revision by Congress, state legislatures and applicable regulatory agencies. In addition to the specific statutory and regulatory developments discussed above, the enactment of new legislation or regulations, changes to existing laws or supervisory policies, or changes in the interpretation or application thereof, may adversely affect First Financial, the Bank and their respective subsidiaries in ways that are difficult to anticipate. Such developments could impact First Financial and the Bank’s business activities, financial condition and results of operations, and may increase regulatory reporting obligations and compliance costs. The ultimate substance, timing and effect of any pending or future legislative or regulatory initiatives, and the manner in which they may be implemented or applied, cannot be predicted.

The risks listed here are not the only risks we face. Additional risks that are not presently known, or that we presently deem to be immaterial, also could have a material effect on our financial condition, results of operations, business and prospects. You should carefully consider the following risk factors that may affect our financial condition, results of operations, business and prospects. You should carefully consider the following risk factors that may affect our financial condition, results of operations, business and prospects. Additionally, the aggregate impact of multiple risk factors, whether presently deemed material or immaterial, could similarly result in a material effect on our financial condition, results of operations, business and prospects. (See also “Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations” for additional discussion of forward looking statements that could result in a material effect on our financial condition, results of operations, business and prospects.)

Weakness in the economy and governmental policies, whether or not adopted in response to economic conditions such as inflation, may adversely affect us. Our success depends, in part, on economic and political conditions, local and national, as well as governmental fiscal and monetary policies. Conditions such as inflation, deflation, recession, unemployment, changes in interest rates, tariffs, fiscal and monetary policy and other factors beyond our control may affect our deposit levels and composition, demand for loans and other products and services, the ability of borrowers to repay their loans and the value of the collateral securing the loans it makes. Economic turmoil in different regions of the world, as well as military conflicts such as those currently ongoing in Russia, Ukraine, the Middle East, China, and Venezuela affect the economy and stock prices in the United States, which can affect our earnings and capital and the ability of our customers to repay loans.

U.S. trade policies and international economic relationships continue to evolve, including potential changes to trade agreements and tariffs. Such changes may contribute to economic uncertainty and could negatively affect financial markets, supply chains, and the economic performance of the Company’s customers and markets. Trade wars and tariffs can affect the economy and stock prices in the United States and can impact the costs of goods paid by customers, which can affect our deposit levels and concentration, the demand for loans and other products and services and the ability of our customers to repay outstanding loans, which could adversely affect our financial condition and the results of operations.

If the strength of the United States economy declines, this could result in, among other things, a deterioration of credit quality, altered consumer spending habits, decreased deposit balances maintained by our customers, or a reduced demand for credit, including a resultant effect on our loan portfolio and allowance for credit losses. Although the Federal Reserve eased monetary policy in 2025 with a series of rate cuts that brought the target federal funds range down to 3.50% – 3.75% by year-end, policymakers paused rate reductions in early 2026 and signaled patience in setting future policy as inflation remains elevated and labor market signals evolve. Despite these reductions, the future path of interest rates remains uncertain. Market and policy forecasts have not settled on expectations in the coming year. A scenario in which short-term interest rates remain elevated for longer than currently anticipated, or rise again in response to inflation or other macroeconomic developments, could increase stress on borrowers, potentially leading to higher delinquencies and charge-offs and adversely affecting our financial condition and results of operations. In addition, earnings sensitivity may be driven not only by rate levels but also by rate volatility and speed of rate changes, which may reduce hedge effectiveness and pressure margins.

There is no assurance that our non-impaired loans will not become impaired or that our impaired loans will not suffer further deterioration in value. A slowing labor market, declining savings, higher interest rates and sticky inflation could cause financial stress to consumers and slacken consumption. The fluctuations in national, regional and local economic conditions, including those related to local residential, commercial real estate and construction markets, may result in increased charge-offs and, consequently, reduce our net income. These fluctuations are not predictable, cannot be controlled and may have a material impact on our operations and financial condition even if other favorable events occur.

Changes in leadership of the Federal Reserve Board of Governors may adversely affect us. The Federal Reserve is the primary regulator of bank holding companies and financial holding companies, and is also responsible for regulating the money supply and credit conditions in the United States. The monetary policies and regulations of the Federal Reserve have had a significant effect on the operating results of commercial banks and are expected to continue to do so in the future.

The Federal Reserve is expected to go through a change of leadership in 2026. The term of the Chair of the Federal Reserve Board of Governors, Jerome Powell, expires on May 15, 2026. On January 30, 2026, Kevin Warsh was nominated as the successor to Chair Powell.

Mr. Warsh must be confirmed by the United States Senate prior to becoming the Chair of the Federal Reserve Board of Governors.

A change in leadership may result in policy changes of the Federal Reserve related to the regulation of bank holding companies and financial holding companies, the money supply, and/or credit conditions in the United States. The effects of such policies upon our financial condition, results of operations, business and prospects cannot be predicted or determined.

Changes in market interest rates or financial markets could affect our revenues and expenses, the value of assets and obligations, and the availability and cost of capital or liquidity. Given the nature of our business, and the fact that most of our assets and liabilities are financial in nature, we tend to be sensitive to market interest rate movements and the performance of the financial markets. Our primary source of income is net interest income, which is the difference between the interest income generated by our interest-earning assets (consisting primarily of loans and, to a lesser extent, securities) and the interest expense generated by our interest-bearing liabilities. Prevailing economic conditions, fiscal and monetary policies and the policies of various regulatory agencies all affect market rates of interest and the availability and cost of credit, which, in turn, significantly affect financial institutions’ net interest income. If the interest we pay on deposits and other borrowings increases at a faster rate than increases in the interest we receive on loans and investments, net interest income, and, therefore, our earnings, could be affected. Earnings and capital levels could also be affected if the interest we receive on loans and other investments falls more quickly than the interest we pay on deposits and other borrowings.

In addition to the general impact of the economy, changes in interest rates or in valuations in the debt, equity, commodities or currency markets could directly impact us in one or more of the following ways:

•the yield on earning assets and rates paid on interest bearing liabilities may change in disproportionate ways;

•the value of certain balance sheet and off-balance sheet financial instruments or the value of equity investments that we hold could decline;

•the value of assets for which we provide processing services could decline;

•the bank's profitability may decline due to negative impacts of increased market volatility;

•insured and/or uninsured depositors may seek alternative investments, making the bank more reliant on alternative, more expensive funding sources;

•the demand for loans and refinancings may decline, which could negatively impact income related to loan originations;

•the reset on interest rates on adjustable rate mortgages could cause financial strain on borrowers, making them more likely to default; or

•to the extent we access capital markets to raise funds to support our business, such changes could affect the cost of such funds or the ability to raise such funds.

During 2025, the Federal Reserve implemented a series of rate cuts that decreased the target fed funds rate by 75 basis points. Although we have implemented procedures we believe will prepare us for the potential effects of changes in interest rates on our results of operations, these procedures may not always be successful. In addition, any substantial or prolonged change in market interest rates could affect our financial condition, results of operations and liquidity.

Local economic factors may adversely affect our business and the results of our operations. Our community banking business model and local market focus has led to a concentration in the markets in which we operate, namely Indiana, Ohio, Kentucky and Illinois. As a result of this geographic concentration, our results of operations are largely dependent on economic conditions in these local markets. Changes to the economic conditions in these local markets, which may be different from the national economic conditions, may adversely affect our financial condition, results of operations, and business prospects.

Our loan portfolio and investments in mortgage-backed securities consist of a significant number of loans secured by real estate and other assets, the value of which can be affected by national and local market conditions. We offer a variety of secured loans, including commercial lines of credit, commercial term loans, real estate, construction, home equity, consumer and other loans and hold as investments a number of mortgage-backed securities, including collateralized mortgage obligations. Many of our loans are secured by real estate (both residential and commercial) within our market area. A major change in the real estate market, such as deterioration in the value of collateral, or in the local or national economy, could affect our customers' ability to pay these loans, which in turn could impact our results of operations and financial condition. Additionally, increases in unemployment also may affect the ability of certain clients to repay loans and the financial results of commercial clients in localities with higher unemployment, may result in loan defaults and foreclosures and may impair the value of our collateral. Increases in loan defaults may also lead to additional losses in our investments in mortgage-backed securities, including collateralized mortgage obligations.

Loan defaults and foreclosures are unavoidable in the banking industry, and we try to limit our exposure to this risk by carefully adhering to our credit risk standards and actively and carefully monitoring our extensions of credit throughout the lifespan of a loan.

Classified asset balances increased $11.4 million, or 5.1%, to $235.5 million at December 31, 2025 from $224.1 million at December 31, 2024. The change in classified assets during 2025 included $20.4 million of loans rated substandard or worse acquired in the Westfield transaction. Absent the impact from Westfield, classified assets declined $9.0 million during 2025 as resolutions of classified assets outpaced downward credit migration during the period. Any increases in our classified asset balances and/or an increase in loan defaults may also increase our costs associated with servicing these loans, foreclosing on properties and costs of property maintenance on foreclosed properties. We cannot fully eliminate credit risk, and as a result, credit losses may increase in the future and impact our financial condition and results of operations.

Weakness in the secondary market for residential mortgage loans could affect our financial condition and results of operations. Declines in demand for residential mortgage loans, changed government laws or regulations or other disruptions in the secondary market for residential mortgage loans can limit the market for and liquidity of many mortgage loans that we seek to sell in the secondary market. The effects of these disruptions to the secondary market for residential mortgage loans, as well as reductions in residential real estate market prices and declining home sales, could affect the value of collateral securing mortgage loans that we hold, income generated from mortgage loan originations and profits on sales of mortgage loans in the secondary market. Such conditions could result in higher losses or charge-offs in our mortgage loan portfolio and other lines of business. Declines in real estate values, home sale volumes, financial stress on borrowers as a result of job losses, interest rate resets on adjustable rate mortgage loans or other factors, either independently or in the aggregate could have further effects on borrowers that could result in higher delinquencies and greater charge-offs in future periods, which would affect our financial condition, results of operations, business and/or prospects. A decline in home values or overall economic weakness could also have an impact upon the value of real estate or other assets which we own upon foreclosing a loan and our ability to realize value on any subsequent sale of such assets.

Our financial instruments carried at fair value expose us to certain market risks. We maintain an available-for-sale investment securities portfolio, which includes assets with various types of instruments and maturities. At times, we also maintain certain assets that are classified and accounted for as trading assets. The changes in fair value of available-for-sale securities are recognized in shareholders' equity as a component of other comprehensive income, and these securities typically decrease in value when market interest rates rise. The changes in fair value of financial instruments classified as trading assets are carried at fair value with changes in fair value recognized in earnings. The fair value of financial instruments carried at fair value is exposed to market risks related to changes in interest rates and market liquidity. We manage the market risks associated with these instruments through broad asset/liability management strategies. Changes in the market values of these financial instruments or conditions that would require us to dispose of these investment securities earlier than anticipated could have a material impact on our financial condition or results of operations. We may classify additional financial assets or financial liabilities at fair value in the future.

When we loan money, commit to loan money or enter into a letter of credit or other contract with a counterparty, we incur credit risk, or the risk of loss if our borrowers do not repay their loans or our counterparties fail to perform according to the terms of their contracts. Since lending is one of our primary business activities, the credit quality of our portfolio can have a significant impact on our earnings. We estimate and establish reserves for credit risks we reasonably expect to occur over the expected life of our loan portfolio. This process, which is critical to our financial results and condition, requires difficult, subjective and complex judgments, including reviews of economic conditions and how these economic conditions might impair the ability of our borrowers to repay their loans. As is the case with any such assessments, there is always the chance that we will fail to identify the proper factors, that we will fail to accurately estimate the impacts of factors that we identify, or that we fail to accurately estimate the aggregate impacts of factors that we identify, all of which could impact the credit quality of our portfolio and have an impact on the results of operations. In addition, large loans, letters of credit and contracts with individual counterparties in our portfolio magnify the credit risk that we face, as the impact of large borrowers and counterparties not repaying their loans or performing according to the terms of their contracts has a disproportionately significant impact on our credit losses, reserves and the results of operations. Certain segments of commercial real estate, including office properties, continue to experience elevated vacancy rates and refinancing pressure, which may reduce collateral values and increase default risk.

The information that we use in managing our credit risk may be inaccurate or incomplete, which may result in an increased risk of default and otherwise have an effect on our financial condition, results of operations and business. In deciding whether to extend credit or enter into other transactions with clients and counterparties, we may rely on information furnished by or on behalf of clients and counterparties, including financial statements and other financial information.

We also may rely on representations of clients and counterparties as to the accuracy and completeness of that information and, with respect to financial statements, on reports of independent auditors. Nonetheless, in the near-term, sustained interest rates along with elevated costs are expected to weigh on firms’ profit margins. Although we regularly review our credit exposure to specific clients and counterparties and to specific industries that we believe may present credit concerns, default risk may arise from events or circumstances that are difficult to detect, such as fraud. Moreover, such circumstances, including fraud, may become more likely to occur or be detected in periods of general economic uncertainty. We may also fail to receive full information with respect to the risks of a counterparty. In addition, in cases where we have extended credit against collateral and/or guarantees, we may find that we are under-secured, for example, as a result of sudden declines in market values that reduce the value of collateral or due to fraud with respect to such collateral or the ability of a guarantor to fulfill its financial obligations. If such events or circumstances were to occur, it could result in a potential loss of revenue and increase in recovery costs which could have an effect on our financial condition, results of operations and business.

Our allowance for credit losses may prove to be insufficient to absorb losses in our loan portfolio or may produce volatility in provision expense and earnings. We maintain an allowance for credit losses that we believe is a reasonable estimate of the expected losses over the expected life of the loan portfolio based on a CECL model as of the corresponding balance sheet date. However, our allowance for credit losses may not be sufficient to cover actual credit losses, and future provision for credit losses could materially affect our operating results. The accounting measurements related to the allowance for credit losses require significant estimates which are subject to uncertainty and change related to new information and changing circumstances.

Management estimates the allowance using relevant available information from both internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Historical credit loss experience paired with economic forecasts provide the basis for the quantitatively modeled estimation of expected credit losses. CECL estimates are sensitive to economic forecast assumptions, including unemployment, interest rates, and property valuations. Changes in forecasts may produce volatility in provision expense and earnings. We adjust our quantitative model, as necessary, to reflect conditions not already considered by such model. Our estimates of the risk of loss and amount of loss on any loan are complicated by the significant uncertainties surrounding our borrowers’ abilities to successfully execute their business models through changing economic environments, competitive challenges and other factors. Because of the degree of uncertainty with respect to assumptions in our models and susceptibility of these factors to change, our actual losses may vary from our current estimates.

In addition, bank regulators periodically review our allowance for credit losses and may require us to increase our provision for credit losses or recognize further loan charge-offs. The accounting guidance requires banks to record, at the time of origination, credit losses expected throughout the life of the asset on loans, leases and held-to-maturity debt securities. Under the CECL model, we are required to use historical information, current conditions and reasonable and supportable forecasts to estimate the expected credit losses. If the methodologies and assumptions we use in the CECL model prove to be incorrect, or inadequate, the allowance for credit losses may not be sufficient, resulting in the need for additional allowance for credit losses to be established, which could have a material adverse impact on our financial condition and results of operations.

As a result of CECL, our financial results may be negatively affected as soon as weak or deteriorating economic conditions are forecasted and alter our expectations for credit losses. In 2025, we recorded $36.5 million of provision expense on loans and leases due to net charge-offs and loan portfolio growth. Depending upon future circumstances, as well as broader macroeconomic shifts, we may incur significant provision expense for credit losses in future periods.

Our foreign exchange business plays a crucial role in facilitating various financial transactions, including foreign exchange, interest rate, and commodity hedging for our commercial clients and is largely dependent upon a small number of large clients and market volatility that could adversely affect our financial condition, results of operations, and reputation. In August 2019, First Financial acquired Bannockburn, which engages in various capital markets activities as part of its matched book business encompassing foreign exchange, interest rate, and commodity hedging transactions.

•Concentration risk: Bannockburn’s business model relies, to some extent, upon a small number of large clients. The loss of one or more of these large clients would adversely affect the revenue derived from Bannockburn. Revenue concentration among a limited number of counterparties may make earnings from Bannockburn more volatile and we may see a negative impact on our financial condition or results of operations should we lose or see reduced activity from any of these large clients.

•Market risk: Foreign currency and commodities transactions expose us to market risk, including fluctuations in foreign exchange rates, interest rates, and commodity prices. These fluctuations could result in financial losses or decreased revenues or additional liquidity needs if we fail to accurately predict or manage these risks. Foreign currency and commodities transactions historically increase as market volatility increases. Sustained periods of stability in global financial markets could also adversely affect Bannockburn’s revenue.

•Credit risk: We are exposed to credit risk through our dealings with counterparties in derivative transactions. While we have risk management policies and procedures in place to manage credit risk, the failure of counterparties to fulfill their obligations could lead to financial losses or damage to our reputation.

•Liquidity risk: The nature of our capital markets operations requires us to maintain sufficient liquidity to meet our obligations, including margin calls and settlement requirements. Sudden increases in collateral or margin requirements during periods of market volatility may create additional liquidity needs, which could strain our resources and negatively impact our financial position.

•Regulatory risk: Our capital markets activities are subject to extensive regulatory oversight and compliance requirements. Changes in regulations or regulatory enforcement actions could increase our compliance costs, restrict our ability to operate certain businesses, or result in fines or penalties.

•Operational Risk: We face operational risks, including systems failures, errors, or disruptions, that could disrupt our capital markets activities and result in financial losses or harm to our reputation.

•Legal risk: Our capital markets operations are subject to legal risks, including litigation, regulatory investigations, and disputes with clients or counterparties. Adverse legal outcomes could result in financial losses, reputational damage, or regulatory sanctions.

•Political risk: Our foreign exchange business is also susceptible to the risk that political events or changes in government policies, such as renegotiated trade agreements or tariffs, could negatively impact the bank's matched book business. For additional discussion related to political risks, please see the Risk Factor titled “Weakness in the economy and governmental policies, whether or not adopted in response to economic conditions such as inflation, may adversely affect us.”