First Financial Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: MV4O55SH8HO6KQSGW013

Tax ID: 31-0308605

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Mortgage Data

Bank Data

Review & Overview

First Financial Bank is a small bank specializing in Refi and Home Purchase loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Louisville, Indianapolis, and Chicago among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 7.24% 12/16/24
30 Year Conventional Purchase 5.51% 12/16/24
30 Year Conventional Refi 6.64% 12/16/24
30 Year Cash-out Refi 6.87% 12/16/24
30 Year FHA Purchase 7.57% 12/16/24
30 Year FHA Refi 7.36% 12/16/24
30 Year VA Purchase 6.62% 12/16/24
30 Year VA Refi 6.27% 12/16/24
30 Year USDA Purchase 6.90% 12/16/24
15 Year Conventional Purchase 6.27% 12/16/24
15 Year Conventional Refi 6.28% 12/16/24
15 Year Cash-out Refi 6.28% 12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First Financial Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First Financial Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

10,411

Origination Dollar Volume (All Markets)

$1,787,585,000

Employee count

2,075 Show all (18) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2,724 $414,110,000 $152,023 $2,564 3.52%
COLUMBUS, OH (FHA|USDA|VA) 1,277 $353,765,000 $277,028 $3,364 3.29%
LOUISVILLE, KY (FHA|USDA|VA) 1,288 $252,460,000 $196,009 $2,419 3.07%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1,144 $189,350,000 $165,516 $2,229 3.38%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 623 $99,285,000 $159,366 $2,457 3.36%
Outside of Metro Areas 679 $74,535,000 $109,772 $2,047 3.56%
COLUMBUS, IN (FHA|USDA|VA) 377 $63,505,000 $168,448 $2,328 3.24%
DAYTON-KETTERING, OH (FHA|USDA|VA) 330 $48,140,000 $145,879 $2,608 3.53%
Madison, IN (FHA|USDA|VA) 235 $26,825,000 $114,149 $2,324 3.42%
Richmond, IN (FHA|USDA|VA) 284 $25,360,000 $89,296 $1,812 3.17%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 26 $22,960,000 $883,077 $3,851 3.43%
BLOOMINGTON, IN (FHA|USDA|VA) 76 $18,980,000 $249,737 $2,458 3.27%
TOLEDO, OH (FHA|USDA|VA) 12 $18,660,000 $1,555,000 $3,020 2.92%
Greensburg, IN (FHA|USDA|VA) 139 $16,895,000 $121,547 $2,031 3.36%
Seymour, IN (FHA|USDA|VA) 111 $14,975,000 $134,910 $2,481 3.56%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 93 $10,525,000 $113,172 $1,331 3.78%
Celina, OH (FHA|USDA|VA) 84 $10,300,000 $122,619 $3,035 3.28%
Frankfort, KY (FHA|USDA|VA) 73 $9,195,000 $125,959 $2,774 3.62%
North Vernon, IN (FHA|USDA|VA) 90 $8,520,000 $94,667 $1,761 3.61%
Connersville, IN (FHA|USDA|VA) 84 $6,900,000 $82,143 $2,167 3.50%
Van Wert, OH (FHA|USDA|VA) 60 $5,720,000 $95,333 $2,318 3.50%
Crawfordsville, IN (FHA|USDA|VA) 46 $4,950,000 $107,609 $1,494 3.81%
KANKAKEE, IL (FHA|USDA|VA) 48 $4,810,000 $100,208 $1,885 3.37%
New Castle, IN (FHA|USDA|VA) 53 $4,085,000 $77,075 $1,661 3.74%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $3,945,000 $563,571 $5,285 3.41%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 20 $2,950,000 $147,500 $2,550 3.09%
KNOXVILLE, TN (FHA|USDA|VA) 7 $2,835,000 $405,000 $4,216 3.20%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $2,690,000 $672,500 $5,121 3.31%
Wapakoneta, OH (FHA|USDA|VA) 22 $2,560,000 $116,364 $2,708 3.37%
AKRON, OH (FHA|USDA|VA) 12 $2,250,000 $187,500 $2,921 3.60%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,245,000 $748,333 $7,598 3.21%
MUNCIE, IN (FHA|USDA|VA) 19 $2,195,000 $115,526 $2,246 3.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $2,180,000 $363,333 $5,430 3.27%
TERRE HAUTE, IN (FHA|USDA|VA) 17 $2,035,000 $119,706 $1,885 3.51%
Key West, FL (FHA|USDA|VA) 3 $1,985,000 $661,667 $7,085 3.54%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,915,000 $383,000 $5,241 3.10%
Fremont, OH (FHA|USDA|VA) 25 $1,775,000 $71,000 $1,987 3.88%
LIMA, OH (FHA|USDA|VA) 15 $1,715,000 $114,333 $2,569 3.51%
Scottsburg, IN (FHA|USDA|VA) 11 $1,685,000 $153,182 $2,858 3.51%
Jackson, OH (FHA|USDA|VA) 3 $1,635,000 $545,000 $4,716 2.95%
Bellefontaine, OH (FHA|USDA|VA) 7 $1,635,000 $233,571 $2,411 3.40%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,630,000 $203,750 $3,989 2.66%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,570,000 $392,500 $4,636 3.38%
Sandusky, OH (FHA|USDA|VA) 5 $1,545,000 $309,000 $2,539 3.55%
Wilmington, OH (FHA|USDA|VA) 14 $1,460,000 $104,286 $2,619 3.59%
FORT WAYNE, IN (FHA|USDA|VA) 10 $1,450,000 $145,000 $2,135 3.64%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,420,000 $355,000 $3,215 3.22%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,405,000 $281,000 $3,464 3.09%
Greenville, OH (FHA|USDA|VA) 15 $1,375,000 $91,667 $1,398 3.56%
SPRINGFIELD, OH (FHA|USDA|VA) 8 $1,110,000 $138,750 $1,971 3.79%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,357 3.21%
Sidney, OH (FHA|USDA|VA) 5 $1,025,000 $205,000 $3,009 3.33%
Danville, KY (FHA|USDA|VA) 9 $1,015,000 $112,778 $2,325 3.76%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,000,000 $500,000 $2,532 2.69%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $995,000 $331,667 $3,869 3.42%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $975,000 $325,000 $4,464 3.13%
Bardstown, KY (FHA|USDA|VA) 6 $950,000 $158,333 $2,061 3.46%
Decatur, IN (FHA|USDA|VA) 6 $890,000 $148,333 $2,698 3.75%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $875,000 $291,667 $2,972 3.21%
Mount Vernon, OH (FHA|USDA|VA) 3 $865,000 $288,333 $2,999 2.93%
Marion, IN (FHA|USDA|VA) 5 $805,000 $161,000 $2,982 3.05%
DANVILLE, IL (FHA|USDA|VA) 15 $805,000 $53,667 $1,347 3.47%
Frankfort, IN (FHA|USDA|VA) 9 $745,000 $82,778 $802 3.80%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $705,000 $235,000 $6,866 3.62%
Georgetown, SC (FHA|USDA|VA) 1 $675,000 $675,000 $5,174 3.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $600,000 $150,000 $3,340 3.22%
Ashland, OH (FHA|USDA|VA) 4 $560,000 $140,000 $3,137 3.22%
Bedford, IN (FHA|USDA|VA) 3 $545,000 $181,667 $2,861 2.87%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $545,000 $545,000 $3,068 3.88%
Marion, OH (FHA|USDA|VA) 4 $540,000 $135,000 $2,886 3.56%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $520,000 $260,000 $2,764 3.25%
Zanesville, OH (FHA|USDA|VA) 1 $505,000 $505,000 $5,631 2.88%
Angola, IN (FHA|USDA|VA) 3 $505,000 $168,333 $1,392 3.00%
Norwalk, OH (FHA|USDA|VA) 5 $505,000 $101,000 $1,902 3.58%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $470,000 $235,000 $924 3.06%
Traverse City, MI (FHA|USDA|VA) 1 $465,000 $465,000 $2,674 2.75%
Warsaw, IN (FHA|USDA|VA) 4 $460,000 $115,000 $2,229 3.48%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $455,000 $455,000 $2,818 2.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $445,000 $148,333 $2,318 3.33%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $410,000 $205,000 $0 3.49%
Marion, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,562 3.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $405,000 $405,000 $3,726 3.00%
Glasgow, KY (FHA|USDA|VA) 1 $405,000 $405,000 $3,519 2.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $400,000 $200,000 $2,837 3.69%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $375,000 $375,000 $8,292 3.38%
KOKOMO, IN (FHA|USDA|VA) 3 $375,000 $125,000 $3,319 3.00%
Richmond-Berea, KY (FHA|USDA|VA) 2 $370,000 $185,000 $2,496 2.69%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $365,000 $121,667 $2,901 3.26%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $340,000 $170,000 $2,934 3.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $335,000 $111,667 $2,473 3.68%
Athens, OH (FHA|USDA|VA) 2 $330,000 $165,000 $3,394 3.06%
NILES, MI (FHA|USDA|VA) 2 $320,000 $160,000 $2,296 4.00%
Urbana, OH (FHA|USDA|VA) 2 $300,000 $150,000 $3,668 3.31%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,243 3.13%
Washington Court House, OH (FHA|USDA|VA) 2 $290,000 $145,000 $3,246 4.00%
Vincennes, IN (FHA|USDA|VA) 3 $285,000 $95,000 $1,085 3.87%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $275,000 $91,667 $493 4.03%
Brevard, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,207 3.63%
ANN ARBOR, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,600 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,847 3.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $240,000 $120,000 $2,194 3.75%
Sevierville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $4,092 3.38%
Cambridge, OH (FHA|USDA|VA) 3 $225,000 $75,000 $1,683 2.55%
Crossville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $3,408 2.88%
Logansport, IN (FHA|USDA|VA) 3 $205,000 $68,333 $2,069 3.51%
Marietta, OH (FHA|USDA|VA) 2 $200,000 $100,000 $3,311 3.31%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,867 2.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $195,000 $195,000 $3,476 3.25%
Freeport, IL (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.10%
Kendallville, IN (FHA|USDA|VA) 2 $180,000 $90,000 $2,838 2.75%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $160,000 $80,000 $1,032 2.01%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,314 2.88%
Mount Sterling, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,595 4.25%
Cadillac, MI (FHA|USDA|VA) 1 $125,000 $125,000 $1,878 2.75%
Somerset, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,324 3.63%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,336 4.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $110,000 $55,000 $0 3.49%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $95,000 $95,000 $2,708 3.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,094 2.75%
Ottawa, IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.90%
Auburn, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,105 4.38%
Effingham, IL (FHA|USDA|VA) 1 $85,000 $85,000 $1,460 4.00%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $85,000 $85,000 $1,819 3.38%
Wabash, IN (FHA|USDA|VA) 2 $80,000 $40,000 $1,458 5.03%
Centralia, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,334 3.25%
MANSFIELD, OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,532 4.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,631 3.00%
New Castle, PA (FHA|USDA|VA) 1 $55,000 $55,000 $4,107 3.63%
Washington, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.90%
Holland, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.15%
Defiance, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.74%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.25%
Campbellsville, KY (FHA|USDA|VA) 1 $5,000 $5,000 $0 5.25%
First Financial Bank's top markets include Cincinnati, Columbus, Louisville, Indianapolis, and Chicago among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,584 $1,348,260,000 $204,778 $2,357 3.26%
    HELOC 3,485 $378,895,000 $108,722 n/a 3.66%
    FHA 197 $32,995,000 $167,487 $6,039 3.16%
    VA 73 $17,745,000 $243,082 $6,335 2.86%
    USDA 72 $9,690,000 $134,583 $3,963 2.99%

    For 2020, First Financial Bank's most frequently originated type of loan was Conventional, with 6,584 originations. Their 2nd most popular type was HELOC, with 3,485 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 3,950 $733,550,000 $185,709 $2,022 3.30%
    Home Purchase 3,053 $620,055,000 $203,097 $2,917 3.15%
    Other 1,173 $94,255,000 $80,354 $33 3.86%
    Cash Out Refi 1,121 $235,885,000 $210,424 $2,888 3.34%
    Home Improvement 1,114 $103,840,000 $93,214 $2,097 3.93%

    For 2020, First Financial Bank's most frequently cited loan purpose was Refi, with 3,950 originations. The 2nd most popular reason was Home Purchase, with 3,053 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,545 $984,455,000 $216,602 $2,916 3.22%
    Other 3,605 $393,985,000 $109,288 $1,047 3.67%
    15 Year 1,243 $212,245,000 $170,752 $2,134 3.00%
    20 Year 546 $86,590,000 $158,590 $1,677 3.54%
    10 Year 352 $79,160,000 $224,886 $1,143 3.58%
    5 Year 114 $16,290,000 $142,895 $16 4.38%
    3 Year 6 $14,860,000 $2,476,667 $0 4.22%

    For 2020, First Financial Bank's most frequently cited loan duration was 30 Year, with 4,545 originations. The 2nd most popular length was Other, with 3,605 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,045 $957,815,000 $189,854
    $1k-2k 1,439 $274,715,000 $190,907
    $2k-3k 223 $68,725,000 $308,184
    $3k-4k 73 $17,425,000 $238,699
    $4k-5k 27 $8,015,000 $296,852
    $5k+ 24 $9,840,000 $410,000

    First Financial Bank's average total fees were $2,916, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,045 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,247 $956,705,000 $182,334
    2.5-3% 2,948 $602,290,000 $204,305
    4-5% 1,127 $97,295,000 $86,331
    <2.5% 719 $115,045,000 $160,007
    5-6% 266 $13,520,000 $50,827
    6-7% 88 $2,380,000 $27,045
    7-8% 14 $310,000 $22,143
    Over 8% 2 $40,000 $20,000

    During 2020, First Financial Bank's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 5,247 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,970 $209,320,000 $52,725 $1,347 3.64%
    $100k-200k 3,633 $515,865,000 $141,994 $2,537 3.27%
    $200k-400k 2,149 $581,855,000 $270,756 $3,145 3.16%
    $400k-600k 443 $210,825,000 $475,903 $3,714 3.19%
    $600k-1MM 167 $126,155,000 $755,419 $4,532 3.56%
    $1MM+ 49 $143,565,000 $2,929,898 $6,629 3.39%

    2020 saw First Financial Bank place emphasis on $100,000 or less loans with 3,970 originations, totaling $209,320,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 2,171 $188,655,000 $86,898 $1,969 3.25%
    $50k-75k 2,163 $265,115,000 $122,568 $2,493 3.42%
    $100k-150k 1,943 $332,155,000 $170,950 $2,635 3.42%
    $75k-100k 1,591 $227,085,000 $142,731 $2,586 3.48%
    $150k-250k 1,518 $353,380,000 $232,793 $2,979 3.39%
    $250k+ 813 $296,475,000 $364,668 $3,706 3.33%

    First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 2,171 originations. The second most popular income band? $50k-75k, with 2,163 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,953 $477,975,000 $161,861 $2,426 3.41%
    30-36% 2,004 $314,340,000 $156,856 $2,487 3.42%
    <20% 1,446 $234,680,000 $162,296 $2,236 3.33%
    39% 404 $67,500,000 $167,079 $2,601 3.44%
    42% 372 $68,500,000 $184,140 $2,805 3.48%
    40% 364 $63,110,000 $173,379 $2,655 3.36%
    36% 350 $55,700,000 $159,143 $2,577 3.49%
    38% 338 $52,330,000 $154,822 $2,630 3.50%
    37% 334 $58,500,000 $175,150 $2,720 3.45%
    41% 331 $57,555,000 $173,882 $2,492 3.39%
    43% 303 $41,405,000 $136,650 $2,710 3.30%
    44% 272 $42,460,000 $156,103 $2,522 3.07%
    47% 216 $36,230,000 $167,731 $3,238 3.37%
    45% 190 $30,970,000 $163,000 $3,063 3.19%
    46% 154 $25,290,000 $164,221 $2,805 3.25%
    48% 107 $16,375,000 $153,037 $2,996 3.25%
    50-60% 87 $13,155,000 $151,207 $3,170 3.25%
    49% 74 $14,090,000 $190,405 $3,508 3.17%
    >60% 24 $3,300,000 $137,500 $588 3.54%

    First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 2,953 originations. The next most common DTI ratio? 30-36%, with 2,004 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,871 $1,431,685,000 $161,389 $2,498 3.38%
    Not provided 778 $122,680,000 $157,686 $2,580 3.47%
    Not applicable 68 $112,640,000 $1,656,471 $0 3.89%
    Black 432 $63,330,000 $146,597 $2,713 3.51%
    Asian 176 $42,390,000 $240,852 $3,005 3.22%
    American Indian 42 $6,460,000 $153,810 $2,357 3.22%
    Asian Indian 15 $5,375,000 $358,333 $2,599 3.17%
    Native Hawaiian or Islander 20 $2,180,000 $109,000 $1,702 2.51%
    Other Asian 5 $645,000 $129,000 $8,972 3.27%
    Other Pacific Islander 2 $100,000 $50,000 $0 3.74%
    Chinese 1 $55,000 $55,000 $0 3.74%
    Filipino 1 $45,000 $45,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    79.12%

    First Financial Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.12%

    First Financial Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,411 $1,787,585,000 $171,702

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 44 $109,410,000 $2,486,591
    Single Family (1-4 Units):Manufactured 75 $5,195,000 $69,267
    Single Family (1-4 Units):Site-Built 10,292 $1,672,980,000 $162,551

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,639 $158,485,000 $96,696 $1,326 3.53%
    40-60% 1,529 $256,335,000 $167,649 $2,111 3.14%
    60-80% 2,794 $668,020,000 $239,091 $2,629 3.28%
    80-100% 2,749 $621,015,000 $225,906 $3,142 3.47%
    Over 100% 16 $14,090,000 $880,625 $9,927 3.23%
    Under 20% 1,682 $69,420,000 $41,272 $63 3.51%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST FINANCIAL BANCORP Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 14.3%
    FIRST FINANCIAL BANCORP Other type of mortgage Closing on a mortgage 1 14.3%
    FIRST FINANCIAL BANCORP Home equity loan or line of credit (HELOC) Trouble during payment process 1 14.3%
    FIRST FINANCIAL BANCORP Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 28.6%
    FIRST FINANCIAL BANCORP Conventional home mortgage Trouble during payment process 1 14.3%
    FIRST FINANCIAL BANCORP Conventional home mortgage Struggling to pay mortgage 1 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Financial Bank 202 North Main Street Rushville, IN 46173 Full Service B&M $120,104
    First Financial Bank 1 East 4th Street Cincinnati, OH 45202 Full Service B&M $251,460
    First Financial Bank 100 East Spring Street New Albany, IN 47150 Full Service B&M $80,329
    First Financial Bank 101 East Elm Street Union City, OH 45390 Full Service B&M $54,677
    First Financial Bank 101 West Washington Street Hartford City, IN 47348 Full Service B&M $45,611
    First Financial Bank 10100 Montgomery Rd Cincinnati, OH 45242 Full Service B&M $93,253
    First Financial Bank 1012 Bypass North Lawrenceburg, KY 40342 Full Service B&M $35,786
    First Financial Bank 1012 South Adams Street Versailles, IN 47042 Full Service B&M $24,815
    First Financial Bank 1015 South Main Street Centerville, OH 45458 Full Service B&M $95,885
    First Financial Bank 102 W Main Street Vevay, IN 47043 Full Service B&M $48,831
    First Financial Bank 102 West Main Street Hagerstown, IN 47346 Full Service B&M $35,419
    First Financial Bank 104 E Link's Way Aurora, IN 47001 Full Service B&M $61,466
    First Financial Bank 104 S Chiles St Harrodsburg, KY 40330 Full Service B&M $34,994
    First Financial Bank 10425 Harrison Avenue Harrison, OH 45030 Full Service B&M $94,968
    First Financial Bank 1053 State Road 229 North Batesville, IN 47006 Full Service B&M $81,411
    First Financial Bank 106 North Market Street North Manchester, IN 46962 Full Service B&M $68,566
    First Financial Bank 108 South Main Street Monroe, OH 45050 Full Service B&M $51,402
    First Financial Bank 11 South Meridian, Ste 101 Indianapolis, IN 46204 Full Service B&M $131,262
    First Financial Bank 1101 Columbus Ave Lebanon, OH 45036 Full Service B&M $53,707
    First Financial Bank 112 North Meridian Street Portland, IN 47371 Full Service B&M $70,406
    First Financial Bank 113 Central Avenue Van Wert, OH 45891 Limited, Drive-thru $0
    First Financial Bank 1130 East Tipton Street Seymour, IN 47274 Full Service B&M $106,081
    First Financial Bank 1163 South Shannon Street Van Wert, OH 45891 Full Service B&M $109,458
    First Financial Bank 117 South Jefferson Street Hartford City, IN 47348 Limited, Drive-thru $0
    First Financial Bank 1180 W. 86th Street Indianapolis, IN 46260 Full Service B&M $82,731
    First Financial Bank 120 North Monroe Street Williamsport, IN 47993 Full Service B&M $41,310
    First Financial Bank 120 W. Second Street Dayton, OH 45402 Full Service B&M $60,447
    First Financial Bank 122 West Washington Street Greensburg, IN 47240 Limited, Drive-thru $0
    First Financial Bank 125 East State Street Trenton, OH 45067 Full Service B&M $78,871
    First Financial Bank 125 Third Street Columbus, IN 47201 Full Service B&M $376,251
    First Financial Bank 1263 North Indiana 135 Greenwood, IN 46142 Full Service B&M $24,286
    First Financial Bank 130 East Spring Street Saint Marys, OH 45885 Full Service B&M $74,640
    First Financial Bank 1315 Clifty Drive Madison, IN 47250 Full Service B&M $29,348
    First Financial Bank 136 East Harriman Bargersville, IN 46106 Full Service B&M $51,882
    First Financial Bank 136 Thornton Road Hanover, IN 47243 Full Service B&M $33,021
    First Financial Bank 137 West Buckeye Street Clyde, OH 43410 Full Service B&M $43,487
    First Financial Bank 13704 Shelbyville Road Louisville, KY 40245 Full Service B&M $49,625
    First Financial Bank 139 S High Street Columbus, OH 43215 Full Service B&M $154,278
    First Financial Bank 150 West Wilson Bridge Road Worthington, OH 43085 Full Service B&M $127,942
    First Financial Bank 1580 West Main Street Troy, OH 45373 Full Service B&M $37,471
    First Financial Bank 160 Berkeley Drive Hamilton, OH 45013 Full Service B&M $1,593
    First Financial Bank 166 South Main Street Rockford, OH 45882 Full Service B&M $39,963
    First Financial Bank 1734 Midland Trail Shelbyville, KY 40065 Full Service B&M $31,076
    First Financial Bank 1850 Marketplace Boulevard Shelbyville, IN 46176 Full Service B&M $154,153
    First Financial Bank 1901 North Lincoln Street Greensburg, IN 47240 Full Service B&M $51,010
    First Financial Bank 1942 Havermann Road Celina, OH 45822 Full Service B&M $185,564
    First Financial Bank 2000 West Court Street Kankakee, IL 60901 Full Service B&M $61,493
    First Financial Bank 201 Limestone Drive Frankfort, KY 40601 Full Service B&M $14,116
    First Financial Bank 201 N Main Street Paulding, OH 45879 Full Service B&M $60,927
    First Financial Bank 201 North Broadway Greensburg, IN 47240 Full Service B&M $150,097
    First Financial Bank 202 North Harrison Street Alexandria, IN 46001 Full Service B&M $47,143
    First Financial Bank 202 North Main Street Delphos, OH 45833 Full Service B&M $60,492
    First Financial Bank 211 West Oak Street Louisville, KY 40203 Limited, Mobile/Seasonal Office $2,275
    First Financial Bank 215 East Main Street Delphi, IN 46923 Full Service B&M $41,831
    First Financial Bank 216 South Fourth Street Watseka, IL 60970 Full Service B&M $25,560
    First Financial Bank 220 North Wayne Street Fort Recovery, OH 45846 Full Service B&M $116,264
    First Financial Bank 220 S. Newton St Goodland, IN 47948 Full Service B&M $51,230
    First Financial Bank 221 E Main Street Crawfordsville, IN 47933 Full Service B&M $42,374
    First Financial Bank 225 Pictoria Drive Springdale, OH 45246 Full Service Cyber Office $16,863
    First Financial Bank 2253 State Road 54 East Linton, IN 47441 Full Service B&M $61,644
    First Financial Bank 230 Main Street Rising Sun, IN 47040 Full Service B&M $41,210
    First Financial Bank 2344 South Erie Highway Hamilton, OH 45011 Full Service B&M $85,495
    First Financial Bank 24004 Stateline Road Lawrenceburg, IN 47025 Full Service B&M $43,103
    First Financial Bank 255 East Fifth Street Cincinnati, OH 45202 Full Service B&M $1,348,461
    First Financial Bank 260 W Central Ave Springboro, OH 45066 Full Service B&M $53,424
    First Financial Bank 2611 Highway Avenue Highland, IN 46322 Full Service B&M $174,275
    First Financial Bank 2652 North Bend Road Hebron, KY 41048 Full Service B&M $65,172
    First Financial Bank 2680 East Main Street Bexley, OH 43209 Full Service B&M $108,323
    First Financial Bank 2705 169th Street Hammond, IN 46323 Full Service B&M $87,547
    First Financial Bank 2712 Vine Street Cincinnati, OH 45219 Full Service B&M $7,246
    First Financial Bank 2735 Bardstown Road Louisville, KY 40205 Full Service B&M $31,400
    First Financial Bank 2737 Central Avenue Columbus, IN 47201 Full Service B&M $156,855
    First Financial Bank 2750 45th Street Highland, IN 46322 Full Service B&M $180,466
    First Financial Bank 28287 State Route 1 West Harrison, IN 47060 Full Service B&M $28,239
    First Financial Bank 2862 Frankfort Avenue Louisville, KY 40206 Full Service B&M $23,033
    First Financial Bank 2891 W. Alex Bell Road Dayton, OH 45459 Full Service B&M $25,519
    First Financial Bank 293 North Hubbards Lane Louisville, KY 40207 Full Service B&M $131,393
    First Financial Bank 300 High Street Hamilton, OH 45011 Full Service B&M $201,084
    First Financial Bank 300 North Main Street Middletown, OH 45042 Full Service B&M $87,588
    First Financial Bank 3005 Northwest Boulevard Columbus, OH 43221 Full Service B&M $70,691
    First Financial Bank 3205 East Third Street Bloomington, IN 47401 Full Service B&M $21,312
    First Financial Bank 323 East Main Street Hoopeston, IL 60942 Full Service B&M $28,141
    First Financial Bank 330 West National Road Englewood, OH 45322 Full Service B&M $66,134
    First Financial Bank 3433 East Main Street Richmond, IN 47374 Full Service B&M $30,430
    First Financial Bank 3442 Edwards Road Cincinnati, OH 45208 Full Service B&M $81,278
    First Financial Bank 3535 East 96th Street, Suite 135 Indianapolis, IN 46240 Full Service B&M $28,590
    First Financial Bank 3539 East 10th Street Jeffersonville, IN 47130 Full Service B&M $19,716
    First Financial Bank 358 West Main Street Rossville, IN 46065 Full Service B&M $45,573
    First Financial Bank 3580 Madison Pike Edgewood, KY 41017 Full Service B&M $51,398
    First Financial Bank 3610 Grant Line Road New Albany, IN 47150 Full Service B&M $38,088
    First Financial Bank 3669 Springdale Road Cincinnati, OH 45251 Full Service B&M $56,145
    First Financial Bank 3723 Glenmore Ave Cincinnati, OH 45211 Full Service B&M $82,010
    First Financial Bank 3880 West Presidential Way Edinburgh, IN 46124 Full Service B&M $43,010
    First Financial Bank 3950 Jonathon Moore Pike Columbus, IN 47201 Full Service B&M $85,974
    First Financial Bank 4079 Hamilton Cleves Road Fairfield, OH 45014 Full Service B&M $57,352
    First Financial Bank 41 West Eads Pkwy Lawrenceburg, IN 47025 Full Service B&M $51,771
    First Financial Bank 411 South Locust Street Oxford, OH 45056 Full Service B&M $125,568
    First Financial Bank 417 Jefferson Street Madison, IN 47250 Full Service B&M $63,336
    First Financial Bank 4391 Far Hills Avenue Kettering, OH 45429 Full Service B&M $104,577
    First Financial Bank 450 West Lincoln Highway Schererville, IN 46375 Full Service B&M $204,724
    First Financial Bank 50 Branigin Road Franklin, IN 46131 Full Service B&M $124,095
    First Financial Bank 501 Clifty Drive Madison, IN 47250 Full Service B&M $79,950
    First Financial Bank 521 North State Street North Vernon, IN 47265 Full Service B&M $81,755
    First Financial Bank 5300 Pleasant Avenue Fairfield, OH 45014 Full Service B&M $154,375
    First Financial Bank 536 N College Ave Bloomington, IN 47404 Full Service B&M $363,600
    First Financial Bank 5361 Cornerstone North Blvd. Centerville, OH 45440 Full Service B&M $28,821
    First Financial Bank 547 High Street Worthington, OH 43085 Full Service B&M $68,554
    First Financial Bank 555 East Third Street Hobart, IN 46342 Full Service B&M $90,230
    First Financial Bank 5550 Cheviot Road Cincinnati, OH 45239 Full Service B&M $55,081
    First Financial Bank 5712 Bridgetown Rd. Cincinnati, OH 45248 Full Service B&M $74,654
    First Financial Bank 585 Anderson Ferry Road Cincinnati, OH 45238 Full Service B&M $36,630
    First Financial Bank 5974 W Ridge Road Gary, IN 46408 Full Service B&M $18,510
    First Financial Bank 600 South Memorial Drive New Castle, IN 47362 Full Service B&M $72,801
    First Financial Bank 6001 Hamilton Avenue Cincinnati, OH 45224 Full Service B&M $6,916
    First Financial Bank 6060 South Gilmore Road Fairfield, OH 45014 Full Service B&M $88,220
    First Financial Bank 630 Central Avenue Connersville, IN 47331 Full Service B&M $72,567
    First Financial Bank 6300 Harrison Avenue Cincinnati, OH 45247 Full Service B&M $52,431
    First Financial Bank 6325 Brandt Pike Huber Heights, OH 45424 Full Service B&M $49,171
    First Financial Bank 635 South Market Street Troy, OH 45373 Full Service B&M $97,549
    First Financial Bank 647 Fife Avenue Wilmington, OH 45177 Full Service B&M $44,509
    First Financial Bank 6512 Bardstown Road Louisville, KY 40291 Full Service B&M $28,619
    First Financial Bank 6801 Miami Avenue Cincinnati, OH 45243 Full Service B&M $51,151
    First Financial Bank 6945 South Liberty Drive Liberty Township, OH 45044 Full Service B&M $74,502
    First Financial Bank 707 Creekview Drive Columbus, IN 47201 Full Service B&M $71,940
    First Financial Bank 720 Nw Washington Blvd Hamilton, OH 45013 Full Service B&M $108,116
    First Financial Bank 7470 South Mason-Montgomery Road Mason, OH 45040 Full Service B&M $91,255
    First Financial Bank 751 City Center Drive Carmel, IN 46032 Full Service B&M $135,330
    First Financial Bank 7522 Hamilton Avenue Mount Healthy, OH 45231 Full Service B&M $54,760
    First Financial Bank 7615 Reading Rd Cincinnati, OH 45237 Full Service B&M $28,020
    First Financial Bank 7637 Beechmont Avenue Cincinnati, OH 45255 Full Service B&M $36,676
    First Financial Bank 7700 State Road 64 Georgetown, IN 47122 Full Service B&M $55,567
    First Financial Bank 7735 Montgomery Road Cincinnati, OH 45236 Full Service B&M $58,921
    First Financial Bank 7795 Tylersville Road West Chester, OH 45069 Full Service B&M $43,084
    First Financial Bank 815 South Breiel Boulevard Middletown, OH 45044 Full Service B&M $128,779
    First Financial Bank 817 East Columbia Street Flora, IN 46929 Full Service B&M $43,993
    First Financial Bank 8475 North State Road 9 Hope, IN 47246 Full Service B&M $35,350
    First Financial Bank 8601 Landen Drive Maineville, OH 45039 Full Service B&M $89,776
    First Financial Bank 8740 South Emerson Avenue Indianapolis, IN 46237 Full Service B&M $37,565
    First Financial Bank 9014 State Road 101 Brookville, IN 47012 Full Service B&M $62,603
    First Financial Bank 9050 East 56th Street Indianapolis, IN 46216 Full Service B&M $48,868
    First Financial Bank 9120 Union Centre Boulevard West Chester, OH 45069 Full Service B&M $196,217
    First Financial Bank 926 East Mcmillan Street Cincinnati, OH 45206 Full Service B&M $550
    First Financial Bank 9306 Taylorsville Road Louisville, KY 40299 Full Service B&M $24,860
    First Financial Bank 936 North Main Street Crown Point, IN 46307 Full Service B&M $123,144
    First Financial Bank 9554 E Us Highway 36 Avon, IN 46123 Full Service B&M $69,133
    First Financial Bank Limaburg Road And Jones Circle Burlington, KY 41005 Full Service B&M $106,541

    For 2020, First Financial Bank had 146 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $524,947
    Net interest income $470,569
    Total noninterest income $171,505
    Gross Fiduciary activities income $16,531
    Service charges on deposit accounts $29,446
    Trading account gains and fees $0
    Additional Noninterest Income $125,528
    Pre-tax net operating income $195,990
    Securities gains (or losses, -) $13,336
    Income before extraordinary items $174,851
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $174,851
    Minority interest net income $10
    Net income $174,841
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $163,648

    First Financial Bank's gross interest income from loans was $524,947,000.
    First Financial Bank's net interest income from loans was $470,569,000.
    First Financial Bank's fee based income from loans was $29,446,000.
    First Financial Bank's net income from loans was $174,841,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $54,378
    Provision for credit losses $70,796
    Total noninterest expense $375,288
    Salaries and employee benefits $228,775
    Premises and equipment expense $38,217
    Additional noninterest expense $108,296
    Applicable income taxes $34,475
    Net charge-offs $14,273
    Cash dividends $80,000

    First Financial Bank's interest expense for loans was $54,378,000.
    First Financial Bank's payroll and benefits expense were $228,775,000.
    First Financial Bank's property, plant and equipment expenses $38,217,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.6%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $12,408,670
    Deposits held in domestic offices $12,408,670
    Deposits by Individuals, partnerships, and corporations $10,579,725
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,828,282
    Deposits by Commercial banks and other depository institutions in U.S. $662
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $3,250,973
    Demand deposits $3,072,579
    Nontransaction accounts $9,157,696
    Money market deposit accounts (MMDAs) $6,153,466
    Other savings deposits (excluding MMDAs) $1,130,625
    Total time deposits $1,873,606
    Total time and savings deposits $9,336,090
    Noninterest-bearing deposits $3,940,376
    Interest-bearing deposits $8,468,294
    Retail deposits $11,511,400
    IRAs and Keogh plan accounts $238,411
    Brokered deposits $676,815
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $15,898,051
    Cash & Balances due from depository institutions $245,738
    Interest-bearing balances $42,222
    Total securities $3,577,164
    Federal funds sold & reverse repurchase $0
    Net loans and leases $9,766,394
    Loan and leases loss allowance $175,679
    Trading account assets $0
    Bank premises and fixed assets $269,772
    Other real estate owned $1,287
    Goodwill and other intangibles $950,925
    All other assets $1,086,771

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $15,898,050
    Total Liabilities $13,553,278
    Total deposits $12,408,670
    Interest-bearing deposits $8,468,294
    Deposits held in domestic offices $12,408,670
    % insured (estimated) $55
    Federal funds purchased and repurchase agreements $166,594
    Trading liabilities $0
    Other borrowed funds $457,587
    Subordinated debt $7,500
    All other liabilities $512,927

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $9,766,394
    Loan and leases loss allowance $175,679
    Total loans and leases (domestic) $9,942,073
    All real estate loans $6,660,329
    Real estate loans in domestic offices $6,660,329
    Construction and development loans $467,097
    Residential 1-4 family construction $78,403
    Other construction, all land development and other land $388,694
    Loans secured by nonfarm nonresidential properties $3,353,123
    Nonfarm nonresidential secured by owner-occupied properties $924,489
    Commercial real estate & other non-farm, non-residential $2,428,634
    Multifamily residential real estate $822,285
    1-4 family residential loans $1,917,491
    Farmland loans $100,333
    Loans held in foreign offices $0
    Farm loans $53,342
    Commercial and industrial loans $2,729,232
    To non-U.S. addressees $0
    Loans to individuals $97,833
    Credit card loans $22,773
    Related Plans $4,127
    Consumer Auto Loans $25,483
    Other loans to individuals $45,450
    All other loans & leases $401,337
    Loans to foreign governments and official institutions $0
    Other loans $198,381
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $154,590
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $6,108
    Non 1-4 family restructured loans & leases $1,726
    Total loans and leases (foreign) $0

    First Financial Bank had $9,766,394,000 of loans outstanding in 2020. $6,660,329,000 of loans were in real estate loans. $467,097,000 of loans were in development loans. $822,285,000 of loans were in multifamily mortgage loans. $1,917,491,000 of loans were in 1-4 family mortgage loans. $53,342,000 of loans were in farm loans. $22,773,000 of loans were in credit card loans. $25,483,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,442 $553,962 $226,848
    Nonfarm, nonresidential loans - <$100k 439 $16,747 $38,148
    Nonfarm, nonresidential loans - $100-250k 750 $80,890 $107,853
    Nonfarm, nonresidential loans - $250k-1MM 1,253 $456,325 $364,186
    Commercial & Industrial, US addressed loans - <$1MM 10,375 $855,171 $82,426
    Commercial & Industrial, US addressed loans - <$100k 7,204 $163,982 $22,763
    Commercial & Industrial, US addressed loans - $100-250k 1,585 $170,907 $107,828
    Commercial & Industrial, US addressed loans - $250k-1MM 1,586 $520,282 $328,047
    Farmland loans - <$1MM 410 $46,541 $113,515
    Farmland loans - <$100k 118 $3,369 $28,551
    Farmland loans - $100-250k 195 $19,455 $99,769
    Farmland loans - $250k-1MM 97 $23,717 $244,505
    Agriculture operations loans - <$1MM 575 $27,062 $47,064
    Agriculture operations loans - <$100k 443 $8,428 $19,025
    Agriculture operations loans - $100-250k 85 $8,141 $95,776
    Agriculture operations loans - $250k-1MM 47 $10,493 $223,255