Risk factors

First Financial Bancorp (FFBC) risk factors

Item 1A of every First Financial Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    Risk factors section under review

    Classified assets rose $11.4 million to $235.5 million, including $20.4 million of substandard-or-worse loans from Westfield.

    Filed Feb 19, 2026
  • FY2024 10-K risk factors
    46 risks

    First Financial Bancorp faces significant risks from market interest rate fluctuations and localized economic conditions in Indiana, Ohio, Kentucky, and Illinois. The bank is heavily exposed to real estate collateral values and credit losses within its loan portfolio. Regulatory compliance burdens and cybersecurity threats across outsourced IT infrastructure present ongoing operational concerns.

    Filed Feb 20, 2025