First Financial Bancorp is a mid-sized regional bank holding company headquartered in Cincinnati, Ohio, operating primarily through First Financial Bank. The core business is traditional commercial banking — taking deposits and making loans — across Ohio, Indiana, Kentucky, and Illinois, serving individuals and small- to mid-sized businesses through a community banking model. Lending focuses on commercial and industrial loans, commercial real estate, consumer lending, and residential mortgage origination. Beyond its regional footprint, First Financial runs several specialty lending businesses with national reach: Oak Street Funding lends to insurance professionals and financial advisors using recurring revenue as collateral; First Franchise Capital lends to restaurant franchisees; Summit Funding Group provides equipment and leasehold financing; and Agile Premium Finance originates short-term commercial loans to fund business insurance premiums across all 50 states. First Financial also operates Bannockburn Global Forex, which provides FX payments, hedging, and advisory services to mid-market businesses. Net interest income drives the majority of revenue, with a NIM around 4%, and the loan book is roughly 60% variable-rate, making the bank asset-sensitive. Fee income — from Bannockburn, Summit, wealth management, and mortgage banking — represents roughly 30% of net revenue, which is above average for regional banks. First Financial grows through organic expansion in specialty lending and fee businesses, and through M&A targeting new Midwestern metro markets, most recently adding Northeast Ohio via Westfield Bancorp and the Chicago market via BankFinancial.