Compared with Ohio
5 of 15
compared fees are above the median.
5 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
61st percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 15 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for First Financial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 or RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Financial Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.3% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (61st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $8.9M in Q2 2026, 15% above the same quarter a year earlier ($7.8M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 15 compared published fees sit above the Ohio median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 14% from Q3 2025 to Q2 2026, to $8.9M. Its share of revenue, 3.3%, is above the 2.9% median for banks with $10B to $50B in assets.
$8.9M
First Financial BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
First Financial Bank · $22.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Financial Bank(this institution) | Cincinnati, OH | $22.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apple Bank | New York, NY | $19.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Beacon Bank and Trust | Brookline, MA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Business Bank, National Association | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Merchants Bank | Muncie, IN | $21.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Puerto Rico | Santurce, PR | $19.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Mechanics Bank | Walnut Creek, CA | $21.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seacoast National Bank | Stuart, FL | $21.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stifel Bank and Trust | Saint Louis, MO | $19.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Central Trust Bank | Jefferson City, MO | $20.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Third Federal Savings and Loan Association of Cleveland | Cleveland, OH | $18.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $10 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Financial Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for First Financial Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $8.9M | −$117K | −1.3% |
| Q1 2026 | $9.0M | +$705K | +8.5% |
| Q4 2025 | $8.3M | +$479K | +6.1% |
| Q3 2025 | $7.8M | +$63K | +0.8% |
| Q2 2025 | $7.8M | +$303K | +4.1% |
| Q1 2025 | $7.5M | −$169K | −2.2% |
| Q4 2024 | $7.6M | +$85K | +1.1% |
| Q3 2024 | $7.5M | +$359K | +5.0% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, First Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Financial Bank by share.
Amounts from First Financial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per month
per hour
per month
per item
per day
per item
per item
per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closing Fee (< 6 months) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Dormant Account Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reconciliation (May vary based on request) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee-Paid Item (Maximum of 2 Items/Day) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection Transfer Fee (Dynamic Transfer) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Protection Transfer Fee (Ready Reserve) (audience not stated, treated as personal) | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM Service Fee (at non-First Financial Bank or Allpoint ATMs) (audience not stated, treated as personal) | $3.25Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer – Incoming – Domestic or International | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Official Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Collection Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Image Fee | $3Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Returned Deposited Item Fee - Returned ACH/Check (audience not stated, treated as personal) | $19Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Deposited Item Fee - Returned ACH/Check for Illinois (audience not stated, treated as personal) | $4.50Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Tax Levy/Garnishment (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account Verification (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Copy of Current Statement or Transaction History | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Reproduction of Year-End Interest Information (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Financial Bank operates, and what regulators and customers have on file.
Branch footprint
162 offices in 5 states, $17.8B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 46 | $7.0B | |
| Outside a metro area | 35 | $2.7B |
| 27 | $2.2B | |
| 6 | $1.0B | |
| 10 | $897.8M | |
| 5 | $849.2M | |
| 8 | $722.0M | |
| 10 | $536.6M |
Cincinnati, OH-KY-IN
3.7% of bank deposits, #4 of 54, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 51.2% |
| Fifth Third Bank, National Association | 25.5% |
| PNC Bank, National Association | 4.9% |
| The Huntington National Bank | 2.7% |
| JPMorgan Chase Bank, National Association | 2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Cincinnati, OH-KY-IN, First Financial Bank holds 3.7% of bank deposits, #4 of 54, with 46 offices.
699 offices of 95 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 54 institutions shown. $187.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.7% share, 46 offices, #4 of 54
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
109 offices of 42 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
31 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 9 |
| Incorrect information on your report | 4 |
| Problem with a company's investigation into an existing problem | 4 |
| Problem with a lender or other company charging your account | 2 |
| Other transaction problem | 1 |
| Money was not available when promised | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.