Form 8-K

8-K — FIRST FINANCIAL BANCORP /OH/

Accession: 0000708955-26-000195

Filed: 2026-10-27

Period: 2026-10-27

CIK: 0000708955

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — ffbc-20261027.htm (Primary)

EX-99.1 (a8k3q26earningsreleaseex991.htm)

EX-99.2 (exh992earningsrelease3q2.htm)

GRAPHIC (bancorplogoa04a.jpg)

GRAPHIC (contentsheader0215a23a.jpg)

GRAPHIC (exh992earningsrelease3q2001.jpg)

GRAPHIC (exh992earningsrelease3q2002.jpg)

GRAPHIC (exh992earningsrelease3q2003.jpg)

GRAPHIC (exh992earningsrelease3q2004.jpg)

GRAPHIC (exh992earningsrelease3q2005.jpg)

GRAPHIC (exh992earningsrelease3q2006.jpg)

GRAPHIC (exh992earningsrelease3q2007.jpg)

GRAPHIC (exh992earningsrelease3q2008.jpg)

GRAPHIC (exh992earningsrelease3q2009.jpg)

GRAPHIC (exh992earningsrelease3q2010.jpg)

GRAPHIC (exh992earningsrelease3q2011.jpg)

GRAPHIC (exh992earningsrelease3q2012.jpg)

GRAPHIC (exh992earningsrelease3q2013.jpg)

GRAPHIC (exh992earningsrelease3q2014.jpg)

GRAPHIC (exh992earningsrelease3q2015.jpg)

GRAPHIC (exh992earningsrelease3q2016.jpg)

GRAPHIC (exh992earningsrelease3q2017.jpg)

GRAPHIC (exh992earningsrelease3q2018.jpg)

GRAPHIC (exh992earningsrelease3q2019.jpg)

GRAPHIC (exh992earningsrelease3q2020.jpg)

GRAPHIC (exh992earningsrelease3q2021.jpg)

GRAPHIC (exh992earningsrelease3q2022.jpg)

GRAPHIC (exh992earningsrelease3q2023.jpg)

GRAPHIC (exh992earningsrelease3q2024.jpg)

GRAPHIC (exh992earningsrelease3q2025.jpg)

GRAPHIC (exh992earningsrelease3q2026.jpg)

GRAPHIC (exh992earningsrelease3q2027.jpg)

GRAPHIC (exh992earningsrelease3q2028.jpg)

GRAPHIC (yellowbara12a.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: ffbc-20261027.htm · Sequence: 1

ffbc-20261027

0000708955false00007089552026-10-272026-10-270000708955exch:XNMS2026-10-272026-10-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 27, 2026

FIRST FINANCIAL BANCORP.

(Exact name of registrant as specified in its charter)

Ohio 001-34762 31-1042001

(State or other jurisdiction of

incorporation or organization) (Commission File Number) (I.R.S. employer

identification number)

255 East Fifth Street, Suite 900 Cincinnati, Ohio 45202

(Address of principal executive offices) (Zip Code)

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☒ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Title of each class Trading symbol Name of exchange on which registered

Common stock, No par value FFBC The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

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. ☐

Item 2.02 Results of Operations and Financial Condition.

On October 27, 2026, First Financial Bancorp. (the "Company") issued its earnings press release that included its results of operations and financial condition for the first nine months and third quarter of 2026. A copy of the earnings press release is attached as Exhibit 99.1.

The Company also provided electronic presentation slides that will be used in connection with the earnings conference call. A copy of the electronic presentation slides is included in this Report as Exhibit 99.2 and will be available on the Company's website, www.bankatfirst.com.

The information set forth in this Current Report on Form 8-K (including the information in Exhibits 99.1 and 99.2 attached hereto) is being furnished to the Securities and Exchange Commission and is not deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") , or otherwise subject to the liabilities under the Exchange Act. Such information shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

The following exhibits shall not be deemed to be "filed" for purposes of the Exchange Act:

Exhibit No. Description

99.1 First Financial Bancorp. Press Release dated October 27, 2026

99.2 First Financial Bancorp. presentation materials

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

Forward-Looking Statements

Certain statements in this communication constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, which statements involve inherent risks and uncertainties. Examples of forward-looking statements include, but are not limited to, statements regarding the operations of First Financial Bancorp. and its subsidiaries (the "Company", "First Financial", "we", "us", or "our") such as (i) our future operating or financial performance, including revenues, income or loss and earnings per share, (ii) future common stock dividends, (iii) our capital structure, including future capital levels, (iv) our plans, objectives and strategies, and (v) the uncertainties and assumptions that underlie our forward-looking statements. Such statements are often characterized by the use of qualified words (and their derivatives) such as “may,” “will,” “anticipate,” “could,” “should,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “plan,” “project” and “intend,” as well as words of similar meaning or other statements concerning opinions or judgment of First Financial or their respective management about future events. Forward-looking statements are based on assumptions as of the time they are made and are subject to risks, uncertainties and other factors that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence, which could cause actual results to differ materially from anticipated results expressed or implied by such forward-looking statements. Such risks, uncertainties and assumptions include, among others, the following:

•economic, market, liquidity, credit, interest rate, operational and technological risks associated with First Financial’s business;

•future credit quality and performance, including our expectations regarding future loan losses and our allowance for credit losses;

•the effect of and changes in policies and laws or regulatory agencies, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and other legislation and regulation relating to the banking industry;

•management’s ability to effectively execute its business plans;

•pursuit of mergers and acquisitions, including costs or difficulties related to any acquisitions and/or integrations of any acquired companies;

•the possibility that any of the anticipated benefits of First Financial’s prior, in process, or contemplated acquisitions will not be realized or will not be realized within the expected time period;

•the possibility that any of acquisitions that have not yet been consummated, such as the acquisition of Finward Bancorp, is not consummated for any reason, including the failure to satisfy any closing conditions, termination of a merger agreement by either party, or the failure to receive any required regulatory or shareholder approvals;

•the effect of changes in accounting policies and practices;

•changes in consumer spending, borrowing and saving and changes in unemployment;

•changes in customers’ performance and creditworthiness;

•the costs and effects of litigation and of unexpected or adverse outcomes in such litigation;

•current and future economic and market conditions, including the effects of changes in housing prices, fluctuations in unemployment rates, U.S. fiscal debt, budget and tax matters, geopolitical matters, trade and tariff policies, and any slowdown in global economic growth;

•our capital and liquidity requirements (including under regulatory capital standards, such as the Basel III capital standards) and our ability to generate capital internally or raise capital on favorable terms;

•financial services reform and other current, pending or future legislation or regulation that could have a negative effect on our revenue and businesses, including the Dodd-Frank Act and other legislation and regulation relating to bank products and services;

•the effect of the current interest rate environment or changes in interest rates or in the level or composition of our assets or liabilities on our net interest income, net interest margin and our mortgage originations, mortgage servicing rights and mortgage loans held for sale;

•the effect of a fall in stock market prices on our brokerage, asset and wealth management businesses;

•a failure in or breach of our operational or security systems or infrastructure, or those of our third-party vendors or other service providers, including as a result of cyber attacks;

•the effect of changes in the level of checking or savings account deposits on our funding costs and net interest margin; and

•our ability to develop and execute effective business plans and strategies.

These factors are not necessarily all of the factors that could cause First Financial's actual results, performance or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other factors, including unknown or unpredictable factors, also could harm the results of First Financial. Although First Financial believes that its expectations with respect to forward-looking statements are based upon reasonable assumptions within the bounds of its existing knowledge of its business and operations, there can be no assurance that actual results of First Financial will not differ materially from any projected future results expressed or implied by such forward-looking statements. Additional factors that could cause results to differ materially from those described above can be found in First Financial’s most recent annual report on Form 10-K for the fiscal year ended December 31, 2025, quarterly reports on Form 10-Q, and other documents subsequently filed by First Financial with the Securities Exchange Commission (“SEC”). Investors are cautioned not to rely too heavily on any such forward-looking statements. First Financial urges you to consider all of these risks, uncertainties and other factors carefully in evaluating all such forward-looking statements made by First Financial. Forward-looking statements speak only as of the date they are made, and First Financial undertakes no obligation to update or clarify these forward-looking statements, whether as a result of new information, future events or otherwise, except to the extent required by applicable law.

No Offer or Solicitation

This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities or the solicitation of any vote or approval with respect to the proposed transaction between First Financial and Finward. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.

Important Additional Information and Where to Find It

In connection with the proposed transaction, First Financial filed a Registration Statement on Form S-4 (the “Registration Statement”) with the SEC to register the shares of First Financial capital stock to be issued in connection with the proposed transaction, which became effective with the SEC on September 28, 2026. The Registration Statement includes a proxy statement of Finward and a prospectus of First Financial (the “Proxy Statement/Prospectus”), and First Financial and Finward may file with the SEC other relevant documents concerning the proposed transaction. BEFORE MAKING ANY VOTING OR INVESTMENT DECISION, INVESTORS AND SHAREHOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND PROXY STATEMENT/PROSPECTUS REGARDING THE PROPOSED TRANSACTION AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT FIRST FINANCIAL, FINWARD AND THE PROPOSED TRANSACTION AND RELATED MATTERS.

A copy of the Registration Statement, Proxy Statement/Prospectus, as well as other filings containing information about First Financial and Finward, may be obtained, free of charge, at the SEC’s website (www.sec.gov). Copies of documents filed with the SEC by First Financial will be made available free of charge in the "Investor Relations" section of First Financial's website, https://www.bankatfirst.com/about/investor-relations.html. Copies of documents filed with the SEC by Finward will be made available free of charge in the "Investor Relations" section of Finward's website, https://www.investorrelations.ibankpeoples.com. The information on First Financial’s and Finward’s websites is not, and shall not be deemed to be, a part of this communication or incorporated into other filings First Financial makes with the SEC.

Participants in the Solicitation

First Financial, Finward and certain of their respective directors, executive officers, management and employees may be deemed to be participants in the solicitation of proxies in respect of the proposed transaction between First Financial and Finward. Information concerning First Financial’s participants is set forth in the Proxy Statement, dated April 16, 2026, for First Financial’s 2026 annual meeting of stockholders as filed with the SEC on Schedule 14A. Information concerning Finward’s participants is set forth in the Proxy Statement, dated April 3, 2026, for Finward’s 2026 annual meeting of stockholders as filed with the SEC on Schedule 14A. Additional information regarding the participants in the solicitation of proxies in respect of the proposed transaction and interests of participants of First Financial and Finward in the solicitation of proxies in respect of the proposed transaction is included in the Registration Statement and Proxy Statement/Prospectus to be filed with the SEC. Free copies of these documents, when available, may be obtained as described in the preceding paragraph.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FIRST FINANCIAL BANCORP.

By: /s/ James M. Anderson

James M. Anderson

President and Chief Financial Officer

Date: October 27, 2026

EX-99.1

Filename: a8k3q26earningsreleaseex991.htm · Sequence: 2

Document

Exhibit 99.1

First Financial Bancorp Announces Record Third Quarter

Financial Results and Quarterly Dividend

•Earnings per diluted share of $0.77; $0.84 on an adjusted(1) basis; 11% increase from the third quarter of 2025 and highest in Company history

•Return on average assets of 1.44%; 1.56% on an adjusted(1) basis

•Net interest margin on FTE basis(1) of 4.07%; 9 bp increase from linked quarter

•Loan growth of $170 million, or 4.9% on an annualized basis

•Record adjusted(1) noninterest income; $5.7 million, or 8%, increase from the linked quarter

•ROTCE of 18.7%; 20.2% on adjusted(1) basis

•Received Federal regulatory approval for Finward acquisition; expected to close 1/1/27

Cincinnati, Ohio - October 27, 2026. First Financial Bancorp. (Nasdaq: FFBC) (“First Financial” or the “Company”) announced financial results for the three and nine months ended September 30, 2026.

For the three months ended September 30, 2026, the Company reported net income of $81.2 million, or $0.77 per diluted common share. These results compare to net income of $76.5 million, or $0.73 per diluted common share, for the second quarter of 2026. For the nine months ended September 30, 2026, First Financial had earnings per diluted share of $2.21 compared to $2.02 for the same period in 2025.

Return on average assets for the third quarter of 2026 was 1.44% while return on average tangible common equity was 18.67%(1). These compare to return on average assets of 1.37% and return on average tangible common equity of 17.95%(1) in the second quarter of 2026.

Third quarter 2026 highlights include:

•Robust net interest margin of 4.05%, or 4.07% on a fully tax-equivalent basis(1)

◦9 bp increase from second quarter driven by 13 bp increase in asset yields, partially offset by a 4 bp increase in funding costs

•Noninterest income of $77.7 million; $77.6 million on an adjusted(1) basis

◦Double digit percentage growth from linked quarter in wealth management income, bankcard income, and client derivative fees

◦Foreign exchange income increased $4.4 million, or 33.5%, from linked quarter

◦Strong leasing business income of $23.0 million

•Noninterest expenses of $165.7 million; $156.9 million on an adjusted(1) basis

◦Adjustments(1) include $7.5 million of acquisition related expenses, $0.8 million of amortization of tax credit investments and $0.6 million of other expenses not expected to recur

◦Increase from prior quarter driven by compensation costs tied to fee income, as well as increases in credit collection and healthcare costs

◦Efficiency ratio of 60.5%; 57.3% as adjusted(1)

•Solid loan growth during the quarter

◦Loan balances increased $170.2 million, or 4.9% on an annualized basis, compared to linked quarter

◦Quarterly growth driven by C&I, Consumer and Summit

•Moderate deposit growth during the quarter

◦Average deposit balances increased $52.4 million, or 1.2% on an annualized basis

◦Growth in interest-bearing demand accounts, money market accounts and retail CDs offset a decline in brokered CDs, savings, and noninterest-bearing accounts

◦Excluding brokered CDs, average deposits increased $144.0 million

___________________________________________________________________________________________

(1) Non-GAAP measure. For details on the calculation of these non-GAAP financial measures and a reconciliation to the GAAP financial measure, see the sections titled “Use of Non-GAAP Financial Measures” in this release and “Appendix: Non-GAAP to GAAP Reconciliation” in the accompanying slide presentation.

•Total Allowance for Credit Losses of $209.8 million; Total quarterly provision expense of $8.9 million

◦Loans and leases - ACL of $191.7 million

◦ACL to total loans of 1.38%

◦Unfunded Commitments - ACL of $18.2 million

◦Annualized net charge-offs were $7.2 million in third quarter, or 21 bps of total loans

◦Nonperforming assets increased 2 bps to 0.45% of total assets

◦Classified assets increased to 1.26% of total assets primarily due to the downgrade of a single ICRE relationship

•Capital ratios remain strong despite significant decline in AOCI

◦Total capital ratio increased 8 bps to 15.83%

◦Tier 1 common equity increased 21 bps to 12.54%

◦Tangible common equity of 7.81%(1); 9.65%(1) excluding impact from AOCI

◦Tangible book value per share of $15.65(1); 5.9% decrease from linked quarter

Additionally, the Board of Directors approved a quarterly dividend of $0.26 per common share for the next regularly scheduled dividend, payable on December 15, 2026 to shareholders of record as of December 1, 2026.

Archie Brown, President and CEO, commented on third quarter results, “I am very pleased with our performance in the third quarter. Adjusted(1) net income was $87.8 million and adjusted(1) earnings per share were $0.84, which resulted in an adjusted(1) return on assets of 1.56% and an adjusted(1) return on tangible common equity of 20.2%. Earnings per share increased 11% from the third quarter of 2025 and were the highest in the Company’s history. We delivered record third quarter revenue of $273.9 million, driven by a strong net interest margin of 4.07% and record adjusted(1) fee revenue of $77.6 million.”

Mr. Brown continued, “Loan balances increased moderately during the quarter, consistent with our prior quarter outlook, with particularly strong growth in our C&I portfolio. Loan pipelines remain healthy as we enter the fourth quarter, and we expect low to mid single digit loan growth as we close out 2026.”

Mr. Brown continued, discussing fees and expenses, “We are very encouraged by the strength and diversification of our fee income, as adjusted(1) noninterest income was a record $77.6 million and 28% of total revenues. Growth from the linked quarter was driven by strong performances from foreign exchange, wealth management, client derivatives and bankcard income.

“As a result of our strong fee income and overall operating performance, expenses were elevated during the quarter, driven primarily by incentive costs associated with our record revenues, as well as higher health care claims and increased credit and collection costs. We expect expenses to moderate in the fourth quarter."

Mr. Brown commented on asset quality and capital, “Credit quality trends were stable during the third quarter. Net charge-offs and nonperforming assets were comparable to second quarter levels, while classified assets increased significantly. The increase in classified assets was primarily driven by the downgrade of a single ICRE relationship with multiple loans, and we expect to resolve the workout of this relationship over the next few quarters.

"All regulatory capital ratios increased from the second quarter; however, tangible book value per share and tangible common equity declined in response to the sharp increase in interest rates during the second half of the quarter. Tangible book value per share decreased 6% from the linked quarter to $15.65, while tangible common equity declined 43 basis points from June 30, to 7.81% at the end of September.”

Mr. Brown concluded, “We delivered another strong quarter and have had an excellent year to date. We are pleased to have received Federal regulatory approval for our acquisition of Finward and expect to close the transaction on January 1, 2027, subject to the receipt of state regulatory and Finward shareholder approvals. Looking ahead, we remain focused on closing the year on a strong note, completing the Finward transaction, and carrying our momentum into 2027.

"Finally, I want to acknowledge the recently announced changes to our senior leadership structure. These changes were designed to promote continuity, reinforce our commitment to strong financial performance, and maintain our engagement-centric culture. I have tremendous confidence in Jamie and the rest of our leadership team, and the positive impact we are already seeing from these organizational changes underscores the strength of our people, our culture, and our continued commitment to serving our clients and communities.”

Full detail of the Company’s third quarter 2026 performance is provided in the accompanying financial statements and slide presentation.

___________________________________________________________________________________________

Teleconference / Webcast Information

First Financial’s executive management will host a conference call to discuss the Company’s financial and operating results on Wednesday, October 28, 2026 at 8:30 a.m. Eastern Time. Members of the public who would like to listen to the conference call should dial (833) 461-5787 (U.S. toll free), meeting ID 257491860. The number should be dialed five to ten minutes prior to the start of the conference call. The conference call will also be accessible as an audio webcast via the Investor Relations section of the Company’s website at www.bankatfirst.com. The webcast will be archived on the Investor Relations section of the Company’s website for 12 months.

Press Release and Additional Information on Website

This press release as well as supplemental information are available to the public through the Investor Relations section of First Financial's website at www.bankatfirst.com.

Use of Non-GAAP Financial Measures

This earnings release contains GAAP financial measures and Non-GAAP financial measures where management believes it to be helpful in understanding the Company’s results of operations or financial position. Where Non-GAAP financial measures are used, the comparable GAAP financial measures, as well as a reconciliation to the comparable GAAP financial measure, can be found in the section titled “Appendix: Non-GAAP to GAAP Reconciliation” in the accompanying slide presentation.

No Offer or Solicitation

This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or the solicitation of any vote or approval with respect to the proposed transaction between First Financial and Finward. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.

Important Additional Information and Where to Find It

Participants in the Solicitation

Financial and Finward. Information concerning First Financial’s participants is set forth in the Proxy Statement, dated April 16, 2026, for First Financial’s 2026 annual meeting of stockholders as filed with the SEC on Schedule 14A. Information concerning Finward’s participants is set forth in the Proxy Statement, dated April 3, 2026, for Finward’s 2026 annual meeting of stockholders as filed with the SEC on Schedule 14A. Additional information regarding the participants in the solicitation of proxies in respect of the proposed transaction and interests of participants of First Financial and Finward in the solicitation of proxies in respect of the proposed transaction is included in the Registration Statement and Proxy Statement/Prospectus to be filed with the SEC. Free copies of these documents, when available, may be obtained as described in the preceding paragraph.

Forward-Looking Statements

Certain statements in this press release constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, which statements involve inherent risks and uncertainties. Examples of forward-looking statements include, but are not limited to, statements regarding the operations of First Financial Bancorp. and its subsidiaries (the "Company", "First Financial", "we", "us", or "our") such as (i) our future operating or financial performance, including revenues, income or loss and earnings per share, (ii) future common stock dividends, (iii) our capital structure, including future capital levels, (iv) our plans, objectives and strategies, and (v) the uncertainties and assumptions that underlie our forward-looking statements. Such statements are often characterized by the use of qualified words (and their derivatives) such as “may,” “will,” “anticipate,” “could,” “should,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “plan,” “project” and “intend,” as well as words of similar meaning or other statements concerning opinions or judgment of First Financial or their respective management about future events. Forward-looking statements are based on assumptions as of the time they are made and are subject to risks, uncertainties and other factors that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence, which could cause actual results to differ materially from anticipated results expressed or implied by such forward-looking statements. Such risks, uncertainties and assumptions include, among others, the following:

•economic, market, liquidity, credit, interest rate, operational and technological risks associated with First Financial’s business;

•future credit quality and performance, including our expectations regarding future loan losses and our allowance for credit losses;

•management’s ability to effectively execute its business plans;

•pursuit of mergers and acquisitions, including costs or difficulties related to any acquisitions and/or integrations of any acquired companies;

•the effect of changes in accounting policies and practices;

•changes in consumer spending, borrowing and saving and changes in unemployment;

•changes in customers’ performance and creditworthiness;

•the costs and effects of litigation and of unexpected or adverse outcomes in such litigation;

•the effect of a fall in stock market prices on our brokerage, asset and wealth management businesses;

•a failure in or breach of our operational or security systems or infrastructure, or those of our third-party vendors or other service providers, including as a result of cyber attacks;

•the effect of changes in the level of checking or savings account deposits on our funding costs and net interest margin; and

•our ability to develop and execute effective business plans and strategies.

About First Financial Bancorp.

First Financial Bancorp. is a Cincinnati, Ohio based bank holding company. As of September 30, 2026, the Company had $22.3 billion in assets, $13.9 billion in loans, $17.7 billion in deposits and $2.9 billion in shareholders’ equity. The Company’s subsidiary, First Financial Bank, founded in 1863, provides banking and financial services products through its six lines of business: Commercial, Retail Banking, Investment Commercial Real Estate, Mortgage Banking, Commercial Finance and Wealth Management. These business units provide traditional banking services to business and retail clients. Wealth Management provides wealth planning, portfolio management, trust and estate, brokerage and retirement plan services and had approximately $4.5 billion in assets under management as of September 30, 2026. The Company operated 151 full service banking centers as of September 30, 2026, located in Ohio, Indiana, Kentucky and Illinois, while the Commercial Finance business lends into targeted industry verticals on a nationwide basis. In 2025, First Financial Bank received its second consecutive Outstanding rating from the Federal Reserve for its performance under the Community Reinvestment Act and was recognized as a Gallup Exceptional Workplace Award winner, one of only 70 Gallup clients worldwide to receive this designation. Additional information about the Company, including its products, services and banking locations, is available at www.bankatfirst.com.

Contact Information

Investors/Analysts Media

Jamie Anderson Tim Condron

President & Chief Financial Officer Director of Corporate Communications

(513) 887-5400 (513) 979-5796

InvestorRelations@bankatfirst.com media@bankatfirst.com

Selected Financial Information

September 30, 2026

(unaudited)

Contents Page

Consolidated Financial Highlights 2

Consolidated Statements of Income 3

Consolidated Quarterly Statements of Income 4-5

Consolidated Statements of Condition 6

Average Consolidated Statements of Condition 7

Net Interest Margin Rate / Volume Analysis 8-9

Credit Quality 10

Capital Adequacy 11

FIRST FINANCIAL BANCORP.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(Dollars in thousands, except per share data)

(Unaudited)

Three Months Ended, Nine months ended,

Sep. 30, June 30, Mar. 31, Dec. 31, Sep. 30, September 30,

2026 2026 2026 2025 2025 2026 2025

RESULTS OF OPERATIONS

Net income $ 81,182 $ 76,456 $ 74,445 $ 62,393 $ 71,923 $ 232,083 $ 193,212

Net earnings per share - basic $ 0.78 $ 0.74 $ 0.72 $ 0.65 $ 0.76 $ 2.23 $ 2.04

Net earnings per share - diluted $ 0.77 $ 0.73 $ 0.71 $ 0.64 $ 0.75 $ 2.21 $ 2.02

Dividends declared per share $ 0.26 $ 0.25 $ 0.25 $ 0.25 $ 0.25 $ 0.76 $ 0.73

KEY FINANCIAL RATIOS

Return on average assets 1.44 % 1.37 % 1.34 % 1.22 % 1.54 % 1.39 % 1.40 %

Return on average shareholders' equity 10.87 % 10.39 % 10.24 % 9.18 % 11.08 % 10.50 % 10.26 %

Return on average tangible shareholders' equity (1)

18.67 % 17.95 % 17.78 % 16.27 % 19.11 % 18.14 % 18.03 %

Net interest margin 4.05 % 3.96 % 3.97 % 3.96 % 3.99 % 3.99 % 3.95 %

Net interest margin (fully tax equivalent) (1)(2)

4.07 % 3.98 % 3.99 % 3.98 % 4.02 % 4.01 % 3.98 %

Ending shareholders' equity as a percent of ending assets 12.91 % 13.31 % 12.91 % 13.11 % 14.18 % 12.91 % 14.18 %

Ending tangible shareholders' equity as a percent of:

Ending tangible assets (1)

7.81 % 8.24 % 7.87 % 7.79 % 8.87 % 7.81 % 8.87 %

Risk-weighted assets (1)

9.86 % 10.62 % 10.51 % 9.76 % 10.94 % 9.86 % 10.94 %

Average shareholders' equity as a percent of average assets 13.28 % 13.18 % 13.12 % 13.31 % 13.87 % 13.19 % 13.64 %

Average tangible shareholders' equity as a percent of average tangible assets (1)

8.18 % 8.08 % 8.01 % 7.97 % 8.54 % 8.09 % 8.25 %

Book value per share $ 27.39 $ 28.46 $ 28.02 $ 28.11 $ 27.48 $ 27.39 $ 27.48

Tangible book value per share (1)

$ 15.65 $ 16.64 $ 16.15 $ 15.74 $ 16.19 $ 15.65 $ 16.19

Common equity tier 1 ratio (3)

12.54 % 12.33 % 12.22 % 11.32 % 12.91 % 12.54 % 12.91 %

Tier 1 ratio (3)

12.81 % 12.61 % 12.50 % 11.60 % 13.23 % 12.81 % 13.23 %

Total capital ratio (3)

15.83 % 15.75 % 15.70 % 15.46 % 15.32 % 15.83 % 15.32 %

Leverage ratio (3)

9.96 % 9.66 % 9.39 % 9.53 % 10.50 % 9.96 % 10.50 %

AVERAGE BALANCE SHEET ITEMS

Loans (4)

$ 13,821,897 $ 13,619,039 $ 14,028,324 $ 12,812,267 $ 11,806,065 $ 13,822,331 $ 11,774,842

Investment securities 4,925,893 5,079,730 4,769,261 3,988,846 3,552,014 4,925,535 3,481,357

Interest-bearing deposits with other banks 499,575 605,647 596,094 647,347 610,074 566,752 589,546

Total earning assets $ 19,247,365 $ 19,304,416 $ 19,393,679 $ 17,448,460 $ 15,968,153 $ 19,314,618 $ 15,845,745

Total assets $ 22,321,112 $ 22,391,439 $ 22,459,721 $ 20,256,539 $ 18,566,188 $ 22,390,250 $ 18,452,133

Noninterest-bearing deposits $ 3,797,339 $ 3,811,391 $ 3,745,002 $ 3,436,709 $ 3,124,277 $ 3,784,769 $ 3,119,587

Interest-bearing deposits 13,941,854 13,875,384 13,900,550 12,521,948 11,387,648 13,906,081 11,250,530

Total deposits $ 17,739,193 $ 17,686,775 $ 17,645,552 $ 15,958,657 $ 14,511,925 $ 17,690,850 $ 14,370,117

Borrowings $ 778,982 $ 891,636 $ 1,012,161 $ 848,650 $ 823,346 $ 893,406 $ 911,100

Shareholders' equity $ 2,963,270 $ 2,951,237 $ 2,947,585 $ 2,695,581 $ 2,575,203 $ 2,954,088 $ 2,516,675

CREDIT QUALITY RATIOS

Allowance to ending loans 1.38 % 1.38 % 1.36 % 1.39 % 1.38 % 1.38 % 1.38 %

Allowance to nonaccrual loans 191.25 % 197.51 % 182.73 % 183.18 % 213.18 % 191.25 % 213.18 %

Nonaccrual loans to total loans 0.72 % 0.70 % 0.75 % 0.76 % 0.65 % 0.72 % 0.65 %

Nonperforming assets to ending loans, plus OREO 0.72 % 0.70 % 0.75 % 0.76 % 0.65 % 0.72 % 0.65 %

Nonperforming assets to total assets 0.45 % 0.43 % 0.44 % 0.48 % 0.41 % 0.45 % 0.41 %

Classified assets to total assets 1.26 % 1.01 % 1.02 % 1.11 % 1.18 % 1.26 % 1.18 %

Net charge-offs to average loans (annualized) 0.21 % 0.20 % 0.35 % 0.27 % 0.18 % 0.25 % 0.25 %

(2) The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 21% tax rate. Management believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully tax equivalent basis. Therefore, management believes these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

(3) September 30, 2026 regulatory capital ratios are preliminary.

(4) Includes loans held for sale.

FIRST FINANCIAL BANCORP.

CONSOLIDATED STATEMENTS OF INCOME

(Dollars in thousands, except per share data)

(Unaudited)

Three months ended, Nine months ended,

September 30, September 30,

2026 2025 % Change 2026 2025 % Change

Interest income

Loans and leases, including fees $ 228,730 $ 204,865 11.6 % $ 672,845 $ 603,488 11.5 %

Investment securities

Taxable 53,631 36,421 47.3 % 157,026 107,065 46.7 %

Tax-exempt 2,425 2,195 10.5 % 7,423 6,632 11.9 %

Total investment securities interest 56,056 38,616 45.2 % 164,449 113,697 44.6 %

Other earning assets 4,514 6,773 (33.4) % 15,345 19,388 (20.9) %

Total interest income 289,300 250,254 15.6 % 852,639 736,573 15.8 %

Interest expense

Deposits 82,263 77,766 5.8 % 241,248 231,891 4.0 %

Short-term borrowings 4,070 5,979 (31.9) % 14,235 19,917 (28.5) %

Long-term borrowings 6,711 6,023 11.4 % 20,913 16,714 25.1 %

Total interest expense 93,044 89,768 3.6 % 276,396 268,522 2.9 %

Net interest income 196,256 160,486 22.3 % 576,243 468,051 23.1 %

Provision for credit losses-loans and leases 8,975 8,612 4.2 % 27,938 26,837 4.1 %

Provision for credit losses-unfunded commitments (72) 453 (115.9) % (2,305) 730 (415.8) %

Net interest income after provision for credit losses 187,353 151,421 23.7 % 550,610 440,484 25.0 %

Noninterest income

Service charges on deposit accounts 9,031 7,829 15.4 % 26,940 23,058 16.8 %

Wealth management fees 9,135 7,351 24.3 % 27,869 23,275 19.7 %

Bankcard income 3,862 3,589 7.6 % 10,474 10,636 (1.5) %

Client derivative fees 2,511 1,876 33.8 % 7,964 5,121 55.5 %

Foreign exchange income 17,485 16,666 4.9 % 46,899 42,970 9.1 %

Leasing business income 22,967 20,997 9.4 % 67,325 60,497 11.3 %

Net gains from sales of loans 5,650 6,835 (17.3) % 18,355 17,844 2.9 %

Net gain (loss) on investment securities 247 (42) 688.1 % (1,350) (9,748) 86.2 %

Gain on bargain purchase 37 0 100.0 % 12,118 0 100.0 %

Other 6,733 8,424 (20.1) % 16,761 19,018 (11.9) %

Total noninterest income 77,658 73,525 5.6 % 233,355 192,671 21.1 %

Noninterest expenses

Salaries and employee benefits 94,385 80,607 17.1 % 281,158 230,762 21.8 %

Net occupancy 7,591 6,003 26.5 % 22,679 17,867 26.9 %

Furniture and equipment 4,834 3,582 35.0 % 13,837 10,836 27.7 %

Data processing 12,685 9,591 32.3 % 38,893 27,370 42.1 %

Marketing 3,801 2,359 61.1 % 10,069 7,114 41.5 %

Professional services 3,566 2,314 54.1 % 14,939 8,602 73.7 %

Amortization of tax credit investments 774 112 591.1 % 2,112 335 530.4 %

FDIC assessments 3,170 2,611 21.4 % 9,693 8,281 17.1 %

Intangible amortization 6,230 2,359 164.1 % 18,720 7,076 164.6 %

Leasing business expense 14,315 13,911 2.9 % 43,077 39,868 8.0 %

Other 14,385 10,820 32.9 % 41,509 32,905 26.1 %

Total noninterest expenses 165,736 134,269 23.4 % 496,686 391,016 27.0 %

Income before income taxes 99,275 90,677 9.5 % 287,279 242,139 18.6 %

Income tax expense 18,093 18,754 (3.5) % 55,196 48,927 12.8 %

Net income $ 81,182 $ 71,923 12.9 % $ 232,083 $ 193,212 20.1 %

ADDITIONAL DATA

Net earnings per share - basic $ 0.78 $ 0.76 $ 2.23 $ 2.04

Net earnings per share - diluted $ 0.77 $ 0.75 $ 2.21 $ 2.02

Dividends declared per share $ 0.26 $ 0.25 $ 0.76 $ 0.73

Return on average assets 1.44 % 1.54 % 1.39 % 1.40 %

Return on average shareholders' equity 10.87 % 11.08 % 10.50 % 10.26 %

Interest income $ 289,300 $ 250,254 15.6 % $ 852,639 $ 736,573 15.8 %

Tax equivalent adjustment 1,114 1,248 (10.7) % 3,461 3,707 (6.6) %

Interest income - tax equivalent 290,414 251,502 15.5 % 856,100 740,280 15.6 %

Interest expense 93,044 89,768 3.6 % 276,396 268,522 2.9 %

Net interest income - tax equivalent $ 197,370 $ 161,734 22.0 % $ 579,704 $ 471,758 22.9 %

Net interest margin 4.05 % 3.99 % 3.99 % 3.95 %

Net interest margin (fully tax equivalent) (1)

4.07 % 4.02 % 4.01 % 3.98 %

Full-time equivalent employees 2,251 1,986

(1) The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 21% tax rate. Management believes that it is a standard practice in the banking industry to present net interest income on a fully tax equivalent basis. Therefore, management believes these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

FIRST FINANCIAL BANCORP.

CONSOLIDATED QUARTERLY STATEMENTS OF INCOME

(Dollars in thousands, except per share data)

(Unaudited)

2026

Third Second First Year to % Change

Quarter Quarter Quarter Date Linked Qtr.

Interest income

Loans and leases, including fees $ 228,730 $ 219,164 $ 224,951 $ 672,845 4.4 %

Investment securities

Taxable 53,631 53,904 49,491 157,026 (0.5) %

Tax-exempt 2,425 2,472 2,526 7,423 (1.9) %

Total investment securities interest 56,056 56,376 52,017 164,449 (0.6) %

Other earning assets 4,514 5,381 5,450 15,345 (16.1) %

Total interest income 289,300 280,921 282,418 852,639 3.0 %

Interest expense

Deposits 82,263 79,250 79,735 241,248 3.8 %

Short-term borrowings 4,070 4,997 5,168 14,235 (18.6) %

Long-term borrowings 6,711 6,297 7,905 20,913 6.6 %

Total interest expense 93,044 90,544 92,808 276,396 2.8 %

Net interest income 196,256 190,377 189,610 576,243 3.1 %

Provision for credit losses-loans and leases 8,975 12,933 6,030 27,938 (30.6) %

Provision for credit losses-unfunded commitments (72) (4,743) 2,510 (2,305) (98.5) %

Net interest income after provision for credit losses 187,353 182,187 181,070 550,610 2.8 %

Noninterest income

Service charges on deposit accounts 9,031 8,896 9,013 26,940 1.5 %

Wealth management fees 9,135 8,252 10,482 27,869 10.7 %

Bankcard income 3,862 3,032 3,580 10,474 27.4 %

Client derivative fees 2,511 1,443 4,010 7,964 74.0 %

Foreign exchange income 17,485 13,101 16,313 46,899 33.5 %

Leasing business income 22,967 22,750 21,608 67,325 1.0 %

Net gains from sales of loans 5,650 6,658 6,047 18,355 (15.1) %

Net gain (loss) on investment securities 247 (337) (1,260) (1,350) 173.3 %

Gain on bargain purchase 37 3,189 8,892 12,118 (98.8) %

Other 6,733 6,807 3,221 16,761 (1.1) %

Total noninterest income 77,658 73,791 81,906 233,355 5.2 %

Noninterest expenses

Salaries and employee benefits 94,385 86,917 99,856 281,158 8.6 %

Net occupancy 7,591 7,535 7,553 22,679 0.7 %

Furniture and equipment 4,834 4,310 4,693 13,837 12.2 %

Data processing 12,685 13,554 12,654 38,893 (6.4) %

Marketing 3,801 3,616 2,652 10,069 5.1 %

Professional services 3,566 7,387 3,986 14,939 (51.7) %

Amortization of tax credit investments 774 669 669 2,112 15.7 %

FDIC assessments 3,170 2,878 3,645 9,693 10.1 %

Intangible amortization 6,230 6,229 6,261 18,720 0.0 %

Leasing business expense 14,315 14,633 14,129 43,077 (2.2) %

Other 14,385 13,814 13,310 41,509 4.1 %

Total noninterest expenses 165,736 161,542 169,408 496,686 2.6 %

Income before income taxes 99,275 94,436 93,568 287,279 5.1 %

Income tax expense 18,093 17,980 19,123 55,196 0.6 %

Net income $ 81,182 $ 76,456 $ 74,445 $ 232,083 6.2 %

ADDITIONAL DATA

Net earnings per share - basic $ 0.78 $ 0.74 $ 0.72 $ 2.23

Net earnings per share - diluted $ 0.77 $ 0.73 $ 0.71 $ 2.21

Dividends declared per share $ 0.26 $ 0.25 $ 0.25 $ 0.76

Return on average assets 1.44 % 1.37 % 1.34 % 1.39 %

Return on average shareholders' equity 10.87 % 10.39 % 10.24 % 10.50 %

Interest income $ 289,300 $ 280,921 $ 282,418 $ 852,639 3.0 %

Tax equivalent adjustment 1,114 1,161 1,186 3,461 (4.0) %

Interest income - tax equivalent 290,414 282,082 283,604 856,100 3.0 %

Interest expense 93,044 90,544 92,808 276,396 2.8 %

Net interest income - tax equivalent $ 197,370 $ 191,538 $ 190,796 $ 579,704 3.0 %

Net interest margin 4.05 % 3.96 % 3.97 % 3.99 %

Net interest margin (fully tax equivalent) (1)

4.07 % 3.98 % 3.99 % 4.01 %

Full-time equivalent employees 2,251 2,371 2,319

FIRST FINANCIAL BANCORP.

CONSOLIDATED QUARTERLY STATEMENTS OF INCOME

(Dollars in thousands, except per share data)

(Unaudited)

2025

Fourth Third Second First Full

Quarter Quarter Quarter Quarter Year

Interest income

Loans and leases, including fees $ 215,663 $ 204,865 $ 201,460 $ 197,163 $ 819,151

Investment securities

Taxable 40,971 36,421 36,243 34,401 148,036

Tax-exempt 2,363 2,195 2,233 2,204 8,995

Total investment securities interest 43,334 38,616 38,476 36,605 157,031

Other earning assets 6,334 6,773 5,964 6,651 25,722

Total interest income 265,331 250,254 245,900 240,419 1,001,904

Interest expense

Deposits 78,861 77,766 75,484 78,641 310,752

Short-term borrowings 4,925 5,979 6,393 7,545 24,842

Long-term borrowings 7,550 6,023 5,754 4,937 24,264

Total interest expense 91,336 89,768 87,631 91,123 359,858

Net interest income 173,995 160,486 158,269 149,296 642,046

Provision for credit losses-loans and leases 9,688 8,612 9,084 9,141 36,525

Provision for credit losses-unfunded commitments 412 453 718 (441) 1,142

Net interest income after provision for credit losses 163,895 151,421 148,467 140,596 604,379

Noninterest income

Service charges on deposit accounts 8,308 7,829 7,766 7,463 31,366

Wealth management fees 9,288 7,351 7,787 8,137 32,563

Bankcard income 3,590 3,589 3,737 3,310 14,226

Client derivative fees 2,681 1,876 1,674 1,571 7,802

Foreign exchange income 22,696 16,666 13,760 12,544 65,666

Leasing business income 19,523 20,997 20,797 18,703 80,020

Net gains from sales of loans 7,041 6,835 6,687 4,322 24,885

Net gain (loss) on investment securities (12,576) (42) 243 (9,949) (22,324)

Other 4,216 8,424 5,612 4,982 23,234

Total noninterest income 64,767 73,525 68,063 51,083 257,438

Noninterest expenses

Salaries and employee benefits 85,123 80,607 74,917 75,238 315,885

Net occupancy 6,315 6,003 5,845 6,019 24,182

Furniture and equipment 3,940 3,582 3,441 3,813 14,776

Data processing 10,465 9,591 9,020 8,759 37,835

Marketing 3,056 2,359 2,737 2,018 10,170

Professional services 6,231 2,314 3,549 2,739 14,833

Amortization of tax credit investments 800 112 111 112 1,135

FDIC assessments 2,923 2,611 2,611 3,059 11,204

Intangible amortization 3,927 2,359 2,358 2,359 11,003

Leasing business expense 13,837 13,911 13,155 12,802 53,705

Other 12,914 10,820 10,927 11,158 45,819

Total noninterest expenses 149,531 134,269 128,671 128,076 540,547

Income before income taxes 79,131 90,677 87,859 63,603 321,270

Income tax expense 16,738 18,754 17,863 12,310 65,665

Net income $ 62,393 $ 71,923 $ 69,996 $ 51,293 $ 255,605

ADDITIONAL DATA

Net earnings per share - basic $ 0.65 $ 0.76 $ 0.74 $ 0.54 $ 2.68

Net earnings per share - diluted $ 0.64 $ 0.75 $ 0.73 $ 0.54 $ 2.66

Dividends declared per share $ 0.25 $ 0.25 $ 0.24 $ 0.24 $ 0.98

Return on average assets 1.22 % 1.54 % 1.52 % 1.13 % 1.35 %

Return on average shareholders' equity 9.18 % 11.08 % 11.16 % 8.46 % 9.98 %

Interest income $ 265,331 $ 250,254 $ 245,900 $ 240,419 $ 1,001,904

Tax equivalent adjustment 1,227 1,248 1,246 1,213 4,934

Interest income - tax equivalent 266,558 251,502 247,146 241,632 1,006,838

Interest expense 91,336 89,768 87,631 91,123 359,858

Net interest income - tax equivalent $ 175,222 $ 161,734 $ 159,515 $ 150,509 $ 646,980

Net interest margin 3.96 % 3.99 % 4.01 % 3.84 % 3.95 %

Net interest margin (fully tax equivalent) (1)

3.98 % 4.02 % 4.05 % 3.88 % 3.98 %

Full-time equivalent employees 2,164 1,986 2,033 2,021

FIRST FINANCIAL BANCORP.

CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)

(Unaudited)

Sep. 30, June 30, Mar. 31, Dec. 31, Sep. 30, % Change % Change

2026 2026 2026 2025 2025 Linked Qtr. Comp Qtr.

ASSETS

Cash and due from banks $ 176,102 $ 206,361 $ 170,641 $ 178,553 $ 174,659 (14.7) % 0.8 %

Interest-bearing deposits with other banks 566,778 579,194 1,032,259 597,338 565,080 (2.1) % 0.3 %

Investment securities available-for-sale 4,635,304 4,733,713 4,953,023 3,971,932 3,422,595 (2.1) % 35.4 %

Investment securities held-to-maturity 38,321 46,067 49,631 58,545 71,595 (16.8) % (46.5) %

Other investments 139,535 137,755 137,018 129,564 117,120 1.3 % 19.1 %

Loans held for sale 22,958 33,125 18,280 16,953 21,466 (30.7) % 7.0 %

Loans and leases

Commercial and industrial 4,948,380 4,842,347 4,693,786 4,632,241 3,838,630 2.2 % 28.9 %

Lease financing 678,423 659,328 649,645 638,527 596,734 2.9 % 13.7 %

Construction real estate 606,696 599,258 591,080 677,339 627,960 1.2 % (3.4) %

Commercial real estate 4,542,568 4,548,887 4,473,468 4,384,556 4,048,370 (0.1) % 12.2 %

Residential real estate 1,806,123 1,805,044 1,831,338 1,832,184 1,494,464 0.1 % 20.9 %

Home equity 1,105,790 1,058,175 1,026,839 1,005,204 935,975 4.5 % 18.1 %

Installment 150,485 156,470 162,314 188,694 109,764 (3.8) % 37.1 %

Credit card 66,617 65,405 66,371 65,325 62,654 1.9 % 6.3 %

Total loans 13,905,082 13,734,914 13,494,841 13,424,070 11,714,551 1.2 % 18.7 %

Less:

Allowance for credit losses (191,650) (189,912) (183,716) (186,487) (161,916) 0.9 % 18.4 %

Net loans 13,713,432 13,545,002 13,311,125 13,237,583 11,552,635 1.2 % 18.7 %

Premises and equipment 229,669 229,763 228,384 204,760 198,251 0.0 % 15.8 %

Operating leases 237,160 241,742 220,061 214,003 214,667 (1.9) % 10.5 %

Goodwill 1,099,936 1,099,936 1,099,543 1,099,524 1,007,656 0.0 % 9.2 %

Other intangibles 135,077 140,705 145,927 118,832 73,797 (4.0) % 83.0 %

Accrued interest and other assets 1,319,883 1,446,316 1,413,923 1,301,792 1,134,985 (8.7) % 16.3 %

Total Assets $ 22,314,155 $ 22,439,679 $ 22,779,815 $ 21,129,379 $ 18,554,506 (0.6) % 20.3 %

LIABILITIES

Deposits

Interest-bearing demand $ 3,820,903 $ 3,804,301 $ 3,658,155 $ 3,360,613 $ 2,983,132 0.4 % 28.1 %

Savings 6,408,902 6,423,986 6,460,546 5,973,532 5,029,097 (0.2) % 27.4 %

Time 3,636,887 3,650,043 3,817,268 3,622,227 3,293,707 (0.4) % 10.4 %

Total interest-bearing deposits 13,866,692 13,878,330 13,935,969 12,956,372 11,305,936 (0.1) % 22.6 %

Noninterest-bearing 3,831,099 3,704,899 3,982,753 3,465,470 3,127,512 3.4 % 22.5 %

Total deposits 17,697,791 17,583,229 17,918,722 16,421,842 14,433,448 0.7 % 22.6 %

FHLB short-term borrowings 575,000 570,000 550,000 675,000 550,000 0.9 % 4.5 %

Other 76,860 39,532 70,457 332 45,167 94.4 % 70.2 %

Total short-term borrowings 651,860 609,532 620,457 675,332 595,167 6.9 % 9.5 %

Long-term debt 364,925 382,550 380,176 514,052 221,823 (4.6) % 64.5 %

Total borrowed funds 1,016,785 992,082 1,000,633 1,189,384 816,990 2.5 % 24.5 %

Accrued interest and other liabilities 718,097 876,880 919,835 748,937 672,213 (18.1) % 6.8 %

Total Liabilities 19,432,673 19,452,191 19,839,190 18,360,163 15,922,651 (0.1) % 22.0 %

SHAREHOLDERS' EQUITY

Common stock 1,790,583 1,792,158 1,789,676 1,647,618 1,641,315 (0.1) % 9.1 %

Retained earnings 1,589,622 1,535,765 1,485,573 1,437,286 1,399,577 3.5 % 13.6 %

Accumulated other comprehensive income (loss) (387,095) (223,720) (217,430) (189,942) (223,000) 73.0 % 73.6 %

Treasury stock, at cost (111,628) (116,715) (117,194) (125,746) (186,037) (4.4) % (40.0) %

Total Shareholders' Equity 2,881,482 2,987,488 2,940,625 2,769,216 2,631,855 (3.5) % 9.5 %

Total Liabilities and Shareholders' Equity $ 22,314,155 $ 22,439,679 $ 22,779,815 $ 21,129,379 $ 18,554,506 (0.6) % 20.3 %

FIRST FINANCIAL BANCORP.

AVERAGE CONSOLIDATED STATEMENTS OF CONDITION

(Dollars in thousands)

(Unaudited)

Quarterly Averages Year-to-Date Averages

Sep. 30, June 30, Mar. 31, Dec. 31, Sep. 30, Sep. 30,

2026 2026 2026 2025 2025 2026 2025

ASSETS

Cash and due from banks $ 183,151 $ 182,261 $ 227,115 $ 178,403 $ 165,210 $ 197,348 $ 168,108

Interest-bearing deposits with other banks 499,575 605,647 596,094 647,347 610,074 566,752 589,546

Investment securities 4,925,893 5,079,730 4,769,261 3,988,846 3,552,014 4,925,535 3,481,357

Loans held for sale 33,515 32,458 451,139 32,425 26,366 170,841 20,594

Loans and leases

Commercial and industrial 4,863,566 4,723,431 4,771,066 4,310,399 3,890,886 4,786,360 3,853,411

Lease financing 662,208 646,520 630,204 617,518 592,510 646,428 586,267

Construction real estate 615,131 583,146 643,270 679,884 711,011 613,746 763,731

Commercial real estate 4,551,002 4,546,901 4,446,231 4,240,042 3,993,549 4,515,095 3,990,073

Residential real estate 1,791,576 1,812,228 1,834,467 1,717,439 1,489,942 1,812,600 1,483,760

Home equity 1,079,269 1,043,805 1,016,080 981,406 919,368 1,046,616 889,985

Installment 153,945 158,760 166,979 164,013 114,058 159,847 119,610

Credit card 71,685 71,790 68,888 69,141 68,375 70,798 67,411

Total loans 13,788,382 13,586,581 13,577,185 12,779,842 11,779,699 13,651,490 11,754,248

Less:

Allowance for credit losses (192,456) (186,331) (200,745) (179,275) (162,417) (193,147) (159,613)

Net loans 13,595,926 13,400,250 13,376,440 12,600,567 11,617,282 13,458,343 11,594,635

Premises and equipment 230,932 230,343 230,154 202,956 199,167 230,479 198,858

Operating leases 237,488 234,460 215,318 211,091 217,404 229,170 211,801

Goodwill 1,099,934 1,099,742 1,099,543 1,069,781 1,007,656 1,099,741 1,007,656

Other intangibles 138,310 143,403 149,631 104,184 74,448 143,740 76,234

Accrued interest and other assets 1,376,388 1,383,145 1,345,026 1,220,939 1,096,567 1,368,301 1,103,344

Total Assets $ 22,321,112 $ 22,391,439 $ 22,459,721 $ 20,256,539 $ 18,566,188 $ 22,390,250 $ 18,452,133

LIABILITIES

Deposits

Interest-bearing demand $ 3,814,405 $ 3,762,177 $ 3,626,103 $ 3,276,425 $ 3,036,296 $ 3,734,918 $ 3,064,404

Savings 6,458,303 6,434,399 6,406,223 5,740,651 5,054,563 6,433,166 4,993,198

Time 3,669,146 3,678,808 3,868,224 3,504,872 3,296,789 3,737,997 3,192,928

Total interest-bearing deposits 13,941,854 13,875,384 13,900,550 12,521,948 11,387,648 13,906,081 11,250,530

Noninterest-bearing 3,797,339 3,811,391 3,745,002 3,436,709 3,124,277 3,784,769 3,119,587

Total deposits 17,739,193 17,686,775 17,645,552 15,958,657 14,511,925 17,690,850 14,370,117

Federal funds purchased and securities sold

under agreements to repurchase 46,803 3,351 16,278 2,283 12,434 22,256 6,461

FHLB short-term borrowings 357,140 508,931 538,084 444,511 497,092 467,389 527,445

Other 0 0 0 13,891 21,519 0 48,756

Total short-term borrowings 403,943 512,282 554,362 460,685 531,045 489,645 582,662

Long-term debt 375,039 379,354 457,799 387,965 292,301 403,761 328,438

Total borrowed funds 778,982 891,636 1,012,161 848,650 823,346 893,406 911,100

Accrued interest and other liabilities 839,667 861,791 854,423 753,651 655,714 851,906 654,241

Total Liabilities 19,357,842 19,440,202 19,512,136 17,560,958 15,990,985 19,436,162 15,935,458

SHAREHOLDERS' EQUITY

Common stock 1,792,381 1,790,690 1,795,255 1,644,923 1,639,986 1,792,765 1,639,591

Retained earnings 1,545,957 1,499,207 1,448,012 1,406,388 1,369,069 1,498,084 1,324,830

Accumulated other comprehensive loss (259,303) (221,515) (173,065) (209,767) (247,746) (218,277) (260,129)

Treasury stock, at cost (115,765) (117,145) (122,617) (145,963) (186,106) (118,484) (187,617)

Total Shareholders' Equity 2,963,270 2,951,237 2,947,585 2,695,581 2,575,203 2,954,088 2,516,675

Total Liabilities and Shareholders' Equity $ 22,321,112 $ 22,391,439 $ 22,459,721 $ 20,256,539 $ 18,566,188 $ 22,390,250 $ 18,452,133

FIRST FINANCIAL BANCORP.

NET INTEREST MARGIN RATE/VOLUME ANALYSIS

(Dollars in thousands)

(Unaudited)

Quarterly Averages Year-to-Date Averages

September 30, 2026 June 30, 2026 September 30, 2025 September 30, 2026 September 30, 2025

Balance Interest Yield Balance Interest Yield Balance Interest Yield Balance Yield Balance Yield

Earning assets

Investments:

Investment securities $ 4,925,893 $ 56,056 4.51 % $ 5,079,730 $ 56,376 4.45 % $ 3,552,014 $ 38,616 4.31 % $ 4,925,535 4.46 % $ 3,481,357 4.37 %

Interest-bearing deposits with other banks 499,575 4,514 3.58 % 605,647 5,381 3.56 % 610,074 6,773 4.40 % 566,752 3.62 % 589,546 4.40 %

Gross loans (1)

13,821,897 228,730 6.57 % 13,619,039 219,164 6.45 % 11,806,065 204,865 6.88 % 13,822,331 6.51 % 11,774,842 6.85 %

Total earning assets 19,247,365 289,300 5.96 % 19,304,416 280,921 5.84 % 15,968,153 250,254 6.22 % 19,314,618 5.90 % 15,845,745 6.21 %

Nonearning assets

Allowance for credit losses (192,456) (186,331) (162,417) (193,147) (159,613)

Cash and due from banks 183,151 182,261 165,210 197,348 168,108

Accrued interest and other assets 3,083,052 3,091,093 2,595,242 3,071,431 2,597,893

Total assets $ 22,321,112 $ 22,391,439 $ 18,566,188 $ 22,390,250 $ 18,452,133

Interest-bearing liabilities

Deposits:

Interest-bearing demand $ 3,814,405 $ 15,985 1.66 % $ 3,762,177 $ 14,288 1.52 % $ 3,036,296 $ 14,592 1.91 % $ 3,734,918 1.56 % $ 3,064,404 1.92 %

Savings 6,458,303 34,149 2.10 % 6,434,399 33,405 2.08 % 5,054,563 30,854 2.42 % 6,433,166 2.08 % 4,993,198 2.44 %

Time 3,669,146 32,129 3.47 % 3,678,808 31,557 3.44 % 3,296,789 32,320 3.89 % 3,737,997 3.49 % 3,192,928 4.05 %

Total interest-bearing deposits 13,941,854 82,263 2.34 % 13,875,384 79,250 2.29 % 11,387,648 77,766 2.71 % 13,906,081 2.32 % 11,250,530 2.76 %

Borrowed funds

Short-term borrowings 403,943 4,070 4.00 % 512,282 4,997 3.91 % 531,045 5,979 4.47 % 489,645 3.89 % 582,662 4.57 %

Long-term debt 375,039 6,711 7.10 % 379,354 6,297 6.66 % 292,301 6,023 8.17 % 403,761 6.93 % 328,438 6.80 %

Total borrowed funds 778,982 10,781 5.49 % 891,636 11,294 5.08 % 823,346 12,002 5.78 % 893,406 5.26 % 911,100 5.38 %

Total interest-bearing liabilities 14,720,836 93,044 2.51 % 14,767,020 90,544 2.46 % 12,210,994 89,768 2.92 % 14,799,487 2.50 % 12,161,630 2.95 %

Noninterest-bearing liabilities

Noninterest-bearing demand deposits 3,797,339 3,811,391 3,124,277 3,784,769 3,119,587

Other liabilities 839,667 861,791 655,714 851,906 654,241

Shareholders' equity 2,963,270 2,951,237 2,575,203 2,954,088 2,516,675

Total liabilities & shareholders' equity $ 22,321,112 $ 22,391,439 $ 18,566,188 $ 22,390,250 $ 18,452,133

Net interest income $ 196,256 $ 190,377 $ 160,486 $ 576,243 $ 468,051

Net interest spread 3.45 % 3.38 % 3.30 % 3.40 % 3.26 %

Net interest margin 4.05 % 3.96 % 3.99 % 3.99 % 3.95 %

Tax equivalent adjustment 0.02 % 0.02 % 0.03 % 0.02 % 0.03 %

Net interest margin (fully tax equivalent) 4.07 % 3.98 % 4.02 % 4.01 % 3.98 %

(1) Loans held for sale and nonaccrual loans are included in gross loans.

FIRST FINANCIAL BANCORP.

NET INTEREST MARGIN RATE/VOLUME ANALYSIS (1)

(Dollars in thousands)

(Unaudited)

Linked Qtr. Income Variance Comparable Qtr. Income Variance Year-to-Date Income Variance

Rate Volume Total Rate Volume Total Rate Volume Total

Earning assets

Investment securities $ 802 $ (1,122) $ (320) $ 1,805 $ 15,635 $ 17,440 $ 2,535 $ 48,217 $ 50,752

Interest-bearing deposits with other banks 32 (899) (867) (1,261) (998) (2,259) (3,426) (617) (4,043)

Gross loans (2)

3,759 5,807 9,566 (9,494) 33,359 23,865 (30,311) 99,668 69,357

Total earning assets 4,593 3,786 8,379 (8,950) 47,996 39,046 (31,202) 147,268 116,066

Interest-bearing liabilities

Total interest-bearing deposits $ 1,731 $ 1,282 $ 3,013 $ (10,574) $ 15,071 $ 4,497 $ (36,713) $ 46,070 $ 9,357

Borrowed funds

Short-term borrowings 108 (1,035) (927) (628) (1,281) (1,909) (2,978) (2,704) (5,682)

Long-term debt 417 (3) 414 (793) 1,481 688 298 3,901 4,199

Total borrowed funds 525 (1,038) (513) (1,421) 200 (1,221) (2,680) 1,197 (1,483)

Total interest-bearing liabilities 2,256 244 2,500 (11,995) 15,271 3,276 (39,393) 47,267 7,874

Net interest income (1)

$ 2,337 $ 3,542 $ 5,879 $ 3,045 $ 32,725 $ 35,770 $ 8,191 $ 100,001 $ 108,192

(1) Not tax equivalent.

(2) Loans held for sale and nonaccrual loans are included in gross loans.

FIRST FINANCIAL BANCORP.

CREDIT QUALITY

(Dollars in thousands)

(Unaudited)

Three Months Ended, Nine months ended

Sep. 30, June 30, Mar. 31, Dec. 31, Sep. 30, Sep. 30, Sep. 30,

2026 2026 2026 2025 2025 2026 2025

ALLOWANCE FOR CREDIT LOSS ACTIVITY

Balance at beginning of period $ 189,912 $ 183,716 $ 186,487 $ 161,916 $ 158,522 $ 186,487 $ 156,791

Initial allowance on purchased loans 0 0 2,829 23,652 0 2,829 0

Provision for credit losses 8,975 12,933 6,030 9,688 8,612 27,938 26,837

Gross charge-offs

Commercial and industrial 984 2,437 10,788 6,636 2,165 14,209 15,339

Lease financing 976 1,314 43 918 298 2,333 2,358

Construction real estate 110 0 0 0 245 110 245

Commercial real estate 5,129 2,484 29 433 3,105 7,642 3,105

Residential real estate 11 84 127 151 0 222 16

Home equity 137 262 119 95 92 518 278

Installment 676 1,034 1,058 1,197 1,194 2,768 3,635

Credit card 520 704 496 729 577 1,720 1,540

Total gross charge-offs 8,543 8,319 12,660 10,159 7,676 29,522 26,516

Recoveries

Commercial and industrial 387 463 100 264 202 950 687

Lease financing 0 114 23 201 291 137 331

Construction real estate 0 0 0 0 0 0 0

Commercial real estate 8 8 28 5 1,138 44 1,232

Residential real estate 24 18 30 13 58 72 124

Home equity 60 157 116 117 94 333 312

Installment 688 660 598 682 609 1,946 1,888

Credit card 139 162 135 108 66 436 230

Total recoveries 1,306 1,582 1,030 1,390 2,458 3,918 4,804

Total net charge-offs 7,237 6,737 11,630 8,769 5,218 25,604 21,712

Ending allowance for credit losses $ 191,650 $ 189,912 $ 183,716 $ 186,487 $ 161,916 $ 191,650 $ 161,916

NET CHARGE-OFFS TO AVERAGE LOANS AND LEASES (ANNUALIZED)

Commercial and industrial 0.05 % 0.17 % 0.91 % 0.59 % 0.20 % 0.37 % 0.51 %

Lease financing 0.58 % 0.74 % 0.01 % 0.46 % 0.00 % 0.45 % 0.46 %

Construction real estate 0.07 % 0.00 % 0.00 % 0.00 % 0.14 % 0.02 % 0.04 %

Commercial real estate 0.45 % 0.22 % 0.00 % 0.04 % 0.20 % 0.22 % 0.06 %

Residential real estate 0.00 % 0.01 % 0.02 % 0.03 % (0.02) % 0.01 % (0.01) %

Home equity 0.03 % 0.04 % 0.00 % (0.01) % 0.00 % 0.02 % (0.01) %

Installment (0.03) % 0.94 % 1.12 % 1.25 % 2.03 % 0.69 % 1.95 %

Credit card 2.11 % 3.03 % 2.13 % 3.56 % 2.97 % 2.42 % 2.60 %

Total net charge-offs 0.21 % 0.20 % 0.35 % 0.27 % 0.18 % 0.25 % 0.25 %

COMPONENTS OF NONACCRUAL LOANS, NONPERFORMING ASSETS, AND UNDERPERFORMING ASSETS

Nonaccrual loans

Commercial and industrial $ 21,127 $ 20,305 $ 22,576 $ 27,461 $ 23,832 $ 21,127 $ 23,832

Lease financing 1,459 7,558 5,857 5,660 5,885 1,459 5,885

Construction real estate 351 698 715 1,120 1,120 351 1,120

Commercial real estate 53,870 44,404 49,481 45,590 24,443 53,870 24,443

Residential real estate 18,358 18,260 17,439 18,302 16,452 18,358 16,452

Home equity 4,093 4,095 3,687 2,927 3,567 4,093 3,567

Installment 952 832 786 748 652 952 652

Total nonaccrual loans 100,210 96,152 100,541 101,808 75,951 100,210 75,951

Other real estate owned (OREO) 160 174 238 184 111 160 111

Total nonperforming assets 100,370 96,326 100,779 101,992 76,062 100,370 76,062

Accruing loans past due 90 days or more 937 650 1,366 411 592 937 592

Total underperforming assets $ 101,307 $ 96,976 $ 102,145 $ 102,403 $ 76,654 $ 101,307 $ 76,654

Total classified assets $ 281,407 $ 226,826 $ 232,368 $ 235,451 $ 218,794 $ 281,407 $ 218,794

CREDIT QUALITY RATIOS

Allowance for credit losses to

Nonaccrual loans 191.25 % 197.51 % 182.73 % 183.18 % 213.18 % 191.25 % 213.18 %

Total ending loans 1.38 % 1.38 % 1.36 % 1.39 % 1.38 % 1.38 % 1.38 %

Nonaccrual loans to total loans 0.72 % 0.70 % 0.75 % 0.76 % 0.65 % 0.72 % 0.65 %

Nonperforming assets to

Ending loans, plus OREO 0.72 % 0.70 % 0.75 % 0.76 % 0.65 % 0.72 % 0.65 %

Total assets 0.45 % 0.43 % 0.44 % 0.48 % 0.41 % 0.45 % 0.41 %

Classified assets to total assets 1.26 % 1.01 % 1.02 % 1.11 % 1.18 % 1.26 % 1.18 %

FIRST FINANCIAL BANCORP.

CAPITAL ADEQUACY

(Dollars in thousands, except per share data)

(Unaudited)

Three Months Ended, Nine months ended,

Sep. 30 June 30, Mar. 31, Dec. 31, Sep. 30, Sep. 30, Sep. 30,

2026 2026 2026 2025 2025 2026 2025

PER COMMON SHARE

Market Price

High $ 36.18 $ 33.90 $ 31.16 $ 26.98 $ 26.79 $ 36.18 $ 29.04

Low $ 31.22 $ 28.06 $ 25.09 $ 23.26 $ 23.55 $ 25.09 $ 22.05

Close $ 31.32 $ 33.83 $ 27.88 $ 25.02 $ 25.25 $ 31.32 $ 25.25

Average shares outstanding - basic 103,962,646 103,938,322 103,705,269 96,724,148 94,889,341 103,869,688 94,799,411

Average shares outstanding - diluted 105,000,875 104,936,741 104,615,405 97,593,800 95,753,798 104,852,419 95,674,093

Ending shares outstanding 105,188,323 104,956,458 104,932,829 98,521,726 95,757,250 105,188,323 95,757,250

Total shareholders' equity $ 2,881,482 $ 2,987,488 $ 2,940,625 $ 2,769,216 $ 2,631,855 $ 2,881,482 $ 2,631,855

REGULATORY CAPITAL Preliminary Preliminary

Common equity tier 1 capital $ 2,093,397 $ 2,029,668 $ 1,970,561 $ 1,798,266 $ 1,828,843 $ 2,093,397 $ 1,828,843

Common equity tier 1 capital ratio 12.54 % 12.33 % 12.22 % 11.32 % 12.91 % 12.54 % 12.91 %

Tier 1 capital $ 2,139,109 $ 2,075,286 $ 2,016,070 $ 1,843,672 $ 1,874,191 $ 2,139,109 $ 1,874,191

Tier 1 ratio 12.81 % 12.61 % 12.50 % 11.60 % 13.23 % 12.81 % 13.23 %

Total capital $ 2,643,368 $ 2,591,169 $ 2,531,334 $ 2,457,377 $ 2,170,546 $ 2,643,368 $ 2,170,546

Total capital ratio 15.83 % 15.75 % 15.70 % 15.46 % 15.32 % 15.83 % 15.32 %

Total capital in excess of minimum requirement $ 890,577 $ 863,256 $ 837,959 $ 788,889 $ 683,018 $ 890,577 $ 683,018

Total risk-weighted assets $ 16,693,251 $ 16,456,311 $ 16,127,377 $ 15,890,363 $ 14,166,935 $ 16,693,251 $ 14,166,935

Leverage ratio 9.96 % 9.66 % 9.39 % 9.53 % 10.50 % 9.96 % 10.50 %

OTHER CAPITAL RATIOS

Ending shareholders' equity to ending assets 12.91 % 13.31 % 12.91 % 13.11 % 14.18 % 12.91 % 14.18 %

Ending tangible shareholders' equity to ending tangible assets (1)

7.81 % 8.24 % 7.87 % 7.79 % 8.87 % 7.81 % 8.87 %

Average shareholders' equity to average assets 13.28 % 13.18 % 13.12 % 13.31 % 13.87 % 13.19 % 13.64 %

Average tangible shareholders' equity to average tangible assets (1)

8.18 % 8.08 % 8.01 % 7.97 % 8.54 % 8.09 % 8.25 %

REPURCHASE PROGRAM (2)

Shares repurchased 0 0 0 0 0 0 0

Average share repurchase price N/A N/A N/A N/A N/A N/A N/A

Total cost of shares repurchased N/A N/A N/A N/A N/A N/A N/A

(2) Represents share repurchases as part of publicly announced plans.

N/A = Not applicable

EX-99.2

Filename: exh992earningsrelease3q2.htm · Sequence: 3

exh992earningsrelease3q2

earnings presentation • Third Quarter 2026 Exhibit 99.2

forward looking statements disclosure 2 Certain statements in this presentation constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended, and Rule 3b-6 promulgated thereunder, which statements involve inherent risks and uncertainties. Examples of forward-looking statements include, but are not limited to, statements regarding the operations of First Financial Bancorp. and its subsidiaries (the “Company”, “First Financial”, “we”, “us”, or “our”), such as (i) our future operating or financial performance, including revenues, income or loss and earnings per share, (ii) future common stock dividends, (iii) our capital structure, including future capital levels, (iv) our plans, objectives and strategies, and (v) the uncertainties and assumptions that underlie our forward-looking statements. Such statements are often characterized by the use of qualified words (and their derivatives) such as “may,” “will,” “anticipate,” “could,” “should,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “plan,” “project” and “intend,” as well as words of similar meaning or other statements concerning opinions or judgment of First Financial or their respective management about future events. Forward-looking statements are based on assumptions as of the time they are made and are subject to risks, uncertainties and other factors that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence, which could cause actual results to differ materially from anticipated results expressed or implied by such forward-looking statements. Such risks, uncertainties and assumptions include, among others, the following: • economic, market, liquidity, credit, interest rate, operational and technological risks associated with First Financial’s business; • future credit quality and performance, including our expectations regarding future loan losses and our allowance for credit losses; • the effect of and changes in policies and laws or regulatory agencies, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and other legislation and regulation relating to the banking industry; • management’s ability to effectively execute its business plans; • pursuit of mergers and acquisitions, including costs or difficulties related to any acquisitions and/or integrations of any acquired companies; • the possibility that any of the anticipated benefits of First Financial’s prior, in process, or contemplated acquisitions will not be realized or will not be realized within the expected time period; • the possibility that any of acquisitions that have not yet been consummated, such as the acquisition of Finward Bancorp, is not consummated for any reason, including the failure to satisfy any closing conditions, termination of a merger agreement by either party, or the failure to receive any required regulatory or shareholder approvals; • the effect of changes in accounting policies and practices; • changes in consumer spending, borrowing and saving and changes in unemployment; • changes in customers’ performance and creditworthiness; • the costs and effects of litigation and of unexpected or adverse outcomes in such litigation; • current and future economic and market conditions, including the effects of changes in housing prices, fluctuations in unemployment rates, U.S. fiscal debt, budget and tax matters, geopolitical matters, trade and tariff policies, and any slowdown in global economic growth; • our capital and liquidity requirements (including under regulatory capital standards, such as the Basel III capital standards) and our ability to generate capital internally or raise capital on favorable terms; • financial services reform and other current, pending or future legislation or regulation that could have a negative effect on our revenue and businesses, including the Dodd-Frank Act and other legislation and regulation relating to bank products and services; • the effect of the current interest rate environment or changes in interest rates or in the level or composition of our assets or liabilities on our net interest income, net interest margin and our mortgage originations, mortgage servicing rights and mortgage loans held for sale; the effect of a fall in stock market prices on our brokerage, asset and wealth management businesses; • a failure in or breach of our operational or security systems or infrastructure, or those of our third-party vendors or other service providers, including as a result of cyber attacks; • the effect of changes in the level of checking or savings account deposits on our funding costs and net interest margin; and • our ability to develop and execute effective business plans and strategies.

forward looking statements disclosure 3 These factors are not necessarily all of the factors that could cause First Financial’s actual results, performance or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other factors, including unknown or unpredictable factors, also could harm the results of First Financial. Although First Financial believes that its expectations with respect to forward-looking statements are based upon reasonable assumptions within the bounds of its existing knowledge of its business and operations, there can be no assurance that actual results of First Financial will not differ materially from any projected future results expressed or implied by such forward-looking statements. Additional factors that could cause results to differ materially from those described above can be found in First Financial’s most recent annual report on Form 10-K for the fiscal year ended December 31, 2025, quarterly reports on Form 10-Q, and other documents subsequently filed by First Financial with the Securities Exchange Commission (“SEC”). Investors are cautioned not to rely too heavily on any such forward-looking statements. First Financial urges you to consider all of these risks, uncertainties and other factors carefully in evaluating all such forward-looking statements made by First Financial. Forward-looking statements speak only as of the date they are made, and First Financial undertakes no obligation to update or clarify these forward-looking statements, whether as a result of new information, future events or otherwise, except to the extent required by applicable law. Non-GAAP Financial Measures This presentation contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (GAAP). Such non-GAAP financial information should be considered supplemental to, and not as a substitute for, or superior to, financial measures calculated in accordance with GAAP. However, we believe that non-GAAP reporting provides meaningful information and therefore we use it to supplement our GAAP information. We have chosen to provide this supplemental information to investors, analysts and other interested parties to enable them to perform additional analyses of operating results, to illustrate the results of operations giving effect to the non-GAAP adjustments and to provide an additional measure of performance. We believe this information is helpful in understanding the results of operations separate and apart from items that may, or could, have a disproportional positive or negative impact in any given period. For a reconciliation of the differences between the non-GAAP financial measures and the most comparable GAAP measures, please refer to the reconciliation tables in the appendix at the end of this presentation.

forward looking statements disclosure 4 No Offer or Solicitation This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or the solicitation of any vote or approval with respect to the proposed transaction between First Financial and Finward. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. Important Additional Information and Where to Find It In connection with the proposed transaction, First Financial filed a Registration Statement on Form S-4 (the “Registration Statement”) with the SEC to register the shares of First Financial capital stock to be issued in connection with the proposed transaction, which became effective with the SEC on September 28, 2026. The Registration Statement includes a proxy statement of Finward and a prospectus of First Financial (the “Proxy Statement/Prospectus”), and First Financial and Finward may file with the SEC other relevant documents concerning the proposed transaction. BEFORE MAKING ANY VOTING OR INVESTMENT DECISION, INVESTORS AND SHAREHOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND PROXY STATEMENT/PROSPECTUS REGARDING THE PROPOSED TRANSACTION AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT FIRST FINANCIAL, FINWARD AND THE PROPOSED TRANSACTION AND RELATED MATTERS. A copy of the Registration Statement, Proxy Statement/Prospectus, as well as other filings containing information about First Financial and Finward, may be obtained, free of charge, at the SEC’s website (www.sec.gov). Copies of documents filed with the SEC by First Financial will be made available free of charge in the "Investor Relations" section of First Financial's website, https://www.bankatfirst.com/about/investor-relations.html. Copies of documents filed with the SEC by Finward will be made available free of charge in the "Investor Relations" section of Finward's website, https://www.investorrelations.ibankpeoples.com. The information on First Financial’s and Finward’s websites is not, and shall not be deemed to be, a part of this communication or incorporated into other filings either First Financial makes with the SEC. Participants in the Solicitation First Financial, Finward and certain of their respective directors, executive officers, management and employees may be deemed to be participants in the solicitation of proxies in respect of the proposed transaction between First Financial and Finward. Information concerning First Financial’s participants is set forth in the Proxy Statement, dated April 16, 2026, for First Financial’s 2026 annual meeting of stockholders as filed with the SEC on Schedule 14A. Information concerning Finward’s participants is set forth in the Proxy Statement, dated April 3, 2026, for Finward’s 2026 annual meeting of stockholders as filed with the SEC on Schedule 14A. Additional information regarding the participants in the solicitation of proxies in respect of the proposed transaction and interests of participants of First Financial and Finward in the solicitation of proxies in respect of the proposed transaction is included in the Registration Statement and Proxy Statement/Prospectus to be filed with the SEC. Free copies of these documents, when available, may be obtained as described in the preceding paragraph.

3Q 2026 results 144th Consecutive Quarter of Profitability 5 • EOP assets decreased $125.5 million compared to the linked quarter to $22.3 billion • EOP loans increased $170.2 million compared to the linked quarter to $13.9 billion; 4.9% on an annualized basis • Average deposits increased $52.4 million compared to the linked quarter to $17.7 billion • EOP investment securities decreased $106.2 million compared to the linked quarter • Loan to deposit ratio – 78.6% Balance Sheet Profitability Asset Quality Income Statement Capital • Noninterest income – $77.7 million; $77.6 million as adjusted1 • Noninterest expense – $165.7 million; $156.9 million as adjusted1 • Efficiency ratio – 60.5%. Adjusted1 efficiency ratio – 57.3% • Effective tax rate of 18.2%. Adjusted1 effective tax rate of 18.8% • Net interest income – $196.3 million • Net interest margin of 4.05% on a GAAP basis; 4.07% on a fully tax equivalent basis1 • Net income – $81.2 million or $0.77 per diluted share. Adjusted1 net income – $87.8 million or $0.84 per diluted share • Return on average assets – 1.44%. Adjusted 1 return on average assets – 1.56% • Return on average shareholders’ equity – 10.87%. Adjusted1 return on average shareholders’ equity – 11.76% • Return on average tangible common equity – 18.67%. Adjusted1 return on average tangible common equity – 20.19% • Provision expense – $8.9 million • Net charge-offs – $7.2 million. NCOs / Avg. Loans – 0.21% annualized • Classified Assets / Total Assets – 1.26% • NPA / Total Assets – 0.45% • ACL / Total Loans – 1.38% • Total capital ratio – 15.83% • Tier 1 common equity ratio – 12.54% • Tangible common equity ratio – 7.81%. Adjusted1 tangible common equity ratio – 9.65% • Tangible book value per share – $15.65 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation.

3Q 2026 highlights • Received Federal regulatory approval for Finward acquisition • Expected close 1/1/27; subject to the receipt of state regulatory and Finward shareholder approvals • Strong adjusted1 quarterly earnings driven by robust net interest margin and record adjusted1 noninterest income • Adjusted1 earnings per share – $0.84; 11% increase from the third quarter of 2025 and highest in Company history • Adjusted1 return on assets – 1.56% • Adjusted1 pre-tax, pre-provision return on assets – 2.08% • Adjusted1 return on average tangible common equity – 20.2% • Solid loan growth during the quarter • Total loan balances increased $170.2 million, or 4.9% on an annualized basis, compared to the linked quarter • Quarterly growth driven by C&I, Consumer and Summit • Moderate deposit growth during the quarter • Average deposit balances increased $52.4 million, or 1.2% on an annualized basis • Growth in interest-bearing demand accounts, money market accounts and retail CDs offset a decline in brokered CDs, savings, and noninterest-bearing accounts • Excluding brokered CDs, average deposits increased $144.0 million • Average noninterest bearing deposits were 20.3% of average total deposits • Net interest margin (FTE)¹ of 4.07% increased 9 bps from linked quarter • 4 bp increase in cost of funds • 13 bp increase in asset yields 6 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. .

• Noninterest income of $77.7 million; $77.6 million as adjusted1 • Double digit percentage growth from linked quarter in wealth management income, bankcard income, and client derivative fees • Foreign exchange income increased $4.4 million, or 33.5% from linked quarter • Strong leasing business income of $23.0 million • Adjusted1 noninterest expense of $156.9 million; 5.2% increase from second quarter • Adjustments1 include $7.5 million of acquisition related expenses, $0.8 million of amortization of tax credit investments and $0.6 million of other expenses not expected to recur • Increase from prior quarter driven by higher compensation costs tied to fee income, credit collection costs and healthcare costs • Efficiency ratio of 60.5%; 57.3% as adjusted1 • Credit quality in line with expectations • Total ACL of $209.8 million; provision expense of $8.9 million o Loans and leases - ACL of $191.7 million o 1.38% of total loans o Unfunded Commitments - ACL of $18.2 million • $7.2 million in net charge-offs; 0.21% of loans on an annualized basis • Nonperforming assets increased 2 bps to 0.45% of total assets • Classified assets increased to 1.26% of total assets primarily due to the downgrade of a single ICRE relationship • Capital ratios remain strong despite the significant decline in AOCI • Total capital ratio of 15.83% • Tier 1 common equity of 12.54%; 21 bp increase from linked quarter • Tangible book value of $15.65 • Tangible common equity of 7.81%; 9.65%1 excluding ($387.1) million of AOCI • Board of Directors approved quarterly dividend of $0.26 to be paid in 4Q26 3Q 2026 highlights 7 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. .

As Reported Adjusted 1 As Reported Adjusted 1 Net interest income 196,256$ 196,256$ 190,377$ 190,377$ Provision for credit losses-loans and leases 8,975$ 8,975$ 12,933$ 12,933$ Provision for credit losses-unfunded commitments (72)$ (72)$ (4,743)$ (4,743)$ Noninterest income 77,658$ 77,658$ 73,791$ 73,791$ less: gains (losses) on security transactions - 247 A - (336) A - - A - 3,189 A less: other - (191) A - (986) A Total noninterest income 77,658$ 77,602$ 73,791$ 71,924$ Noninterest expense 165,736$ 165,736$ 161,542$ 161,542$ less: amortization of tax credit investments - 774 A - 669 A less: merger-related expenses - 7,460 A - 11,641 A less: other - 623 A - 129 A Total noninterest expense 165,736$ 156,879$ 161,542$ 149,103$ Income before income taxes 99,275$ 108,076$ 94,436$ 105,008$ Income tax expense 18,093$ 18,093$ 17,980$ 17,980$ plus: after-tax impact of tax credit investment @ 21% - 331 - 918 plus: tax effect of adjustments (A) @ 21% statutory rate - 1,848 - 2,220 Total income tax expense 18,093$ 20,272$ 17,980$ 21,118$ Net income 81,182$ 87,804$ 76,456$ 83,890$ Net earnings per share - diluted 0.77$ 0.84$ 0.73$ 0.80$ Pre-tax, pre-provision return on average assets 1.92% 2.08% 1.84% 2.03% 3Q 2026 2Q 2026 less: gain on bargain purchase adjusted net income1 8 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. All dollars shown in thousands, except per share amounts The table below lists certain adjustments that the Company believes are significant to understanding its quarterly performance.

profitability 9 Return on Average Assets Return on Avg Tangible Common Equity Diluted EPS 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. Adjusted1 Pre-tax, Pre-Provision Earnings $0.77$0.73$0.71$0.64 $0.75 $0.84 $0.80 $0.77 $0.80 $0.76 3Q262Q261Q264Q253Q25 Diluted EPS Adjusted EPS1 1.44%1.37%1.34%1.22% 1.54% 1.56%1.50%1.45%1.52%1.55% 3Q262Q261Q264Q253Q25 ROA Adjusted ROA1 18.67%17.95%17.78%16.27% 19.11% 20.19%19.70%19.22% 20.27%19.29% 3Q262Q261Q264Q253Q25 ROATCE Adjusted ROATCE 1 $117.0$113.2$110.4$109.4$100.7 2.08% 2.03%1.99% 2.14%2.15% 3Q262Q261Q264Q253Q25 Pre-tax, pre-provision earnings Pre-tax, pre-provision ROA1

3.88%3.87%3.82%3.81%3.89% 0.09%0.06%0.07%0.12% 0.13% 0.10%0.05%0.10%0.05% 4.07% 3.98%3.99%3.98%4.02% 3Q262Q261Q264Q253Q25 Base Margin (FTE) Loan Fees Loan Accretion net interest income & margin 10 3Q26 NIM (FTE) Progression All dollars shown in millions 1 1 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. 1 Net Interest Income 2Q26 3.98% Asset yields/mix 0.08% Loan accretion 0.05% Funding costs/mix -0.04% 3Q26 4.07% $187.2$185.3$181.4 $166.6 $155.4 $4.4$2.8$3.2 $5.2 $5.1 $4.7$2.3$4.9 $2.2 $196.3 $190.4$189.6 $174.0 $160.5 3Q262Q261Q264Q253Q25 Basic NII Loan Fees Loan Accretion Net Interest Margin (FTE)

$13,822$13,619$14,028$12,812$11,806 6.57% 6.45%6.50% 6.68%6.88% 3Q262Q261Q264Q253Q25 Loans Loan Yield average balance sheet 11 All dollars shown in millions 1 Includes loans fees and loan accretion Average Securities Average Loans 1 Average Deposits $4,926$5,080$4,769$3,989$3,552 4.51%4.45%4.42% 4.31%4.31% 3Q262Q261Q264Q253Q25 Investment Securities Investment Securities Yield $17,739$17,687$17,646$15,959$14,512 1.84%1.80%1.83% 1.96% 2.13% 3Q262Q261Q264Q253Q25 Deposits Cost of Deposits

12 Borrowing Capacity • Interest-bearing deposits with other banks of $567 million • Investment securities portfolio: • 99.2% of investment portfolio classified as available-for-sale • $751.9 million of expected cash flow from securities portfolio in next 12 months • $448.0 million of floating rate securities with minimal losses • Portfolio duration of 4.7 years at September 30, 2026 liquidity Cash/Investment Liquidity All dollars shown in thousands Loan to Deposit Ratio $11,715 $13,424 $13,495 $13,735 $13,905$14,433 $16,422 $17,919 $17,583 $17,698 81.2% 81.7% 75.3% 78.1% 78.6% 3Q25 4Q25 1Q26 2Q26 3Q26 EOP Loans EOP Deposits Loans / Deposits Ratio FHLB borrowing availability 1,350,058$ Fed Discount Window availability 788,167 Holding Company LOC 40,000 Brokered CDs/Deposit placement services 3,276,118 Fed funds 1,076,000 Total as of September 30, 2026 6,530,343$

loan portfolio 13 Loan LOB Mix (EOP) Net Loan Change-LOB (Linked Quarter) All dollars shown in millions Total growth/(decline): $170.2 million ICRE $3,776 27% Commercial & Small Business Banking $4,142 30% Oak Street $1,130 8% Summit $1,266 9% Agile $381 3% Consumer $1,305 9% Mortgage $1,905 14% Total $13.9 billion -$26.8 $173.7 -$41.7 $39.6 $4.0 $42.1 -$20.7 ICRE Commercial & Small Business Banking Oak Street Summit Agile Consumer Mortgage

loan concentrations 14 C&I and Owner Occupied CRE Loans by Sector1 Investor CRE Loans by Property Type All dollars shown in millions 1 Excludes Agile Premium Finance • CRE balances were approximately 170% of risk-based capital at September 30th NAICS Sector 9/30/26 % of Total Loans Finance and Insurance $1,334.5 9.6% Manufacturing 1,135.1 8.2% Real Estate and Rental and Leasing 663.7 4.8% Construction 658.5 4.7% Health Care and Social Assistance 379.8 2.7% Professional, Scientific, and Technical Services 371.9 2.7% Wholesale Trade 316.9 2.3% Retail Trade 304.1 2.2% Accommodation and Food Services 293.0 2.1% Transportation and Warehousing 258.1 1.9% Administrative and Support and Waste Management 212.3 1.5% Agriculture, Forestry, Fishing and Hunting 192.1 1.4% Other Services (except Public Administration) 120.4 0.9% Information 105.4 0.8% Utilities 101.3 0.7% Arts, Entertainment, and Recreation 82.4 0.6% Educational Services 59.5 0.4% Public Administration 59.5 0.4% Management of Companies and Enterprises 53.6 0.4% Mining, Quarrying, and Oil and Gas Extraction 51.6 0.4% Other 0.4 0.0% Grand Total $6,754.1 48.6% Property Type 9/30/26 % of Total Loans Residential Multi Family 5+ $1,073.8 7.7% Retail Property 875.4 6.3% Industrial 429.4 3.1% REIT & Other 353.4 2.5% Office 346.2 2.5% Hospital/Nursing Home 274.0 2.0% Land 116.6 0.8% Other Real Estate 81.1 0.6% Hotel 75.9 0.5% Industrial 54.6 0.4% All Business Assets 49.1 0.4% Residential 1-4 Family 46.6 0.3% Grand Total $3,776.1 27.2%

area of focus – NDFI exposure 15 All dollars shown in millions NDFI Private Credit Exposure • Direct Exposure • $135.3 million outstanding • Primarily subscription lines to well- established funds that are either an institutional investor or publicly traded • $210.0 million committed • Loans to NDFI totaled $451.0 million, or 3.2% of the total loan portfolio • 96% of NDFI loans pass rated at 9/30 • Average loan size is $9.4 million; median size is $8.1 million • Exposure primarily contained to Mortgage Credit Intermediaries (primarily REITs) • 58% of total NFDI loans $ in Mill ions % Total Loans NDFI Exposure Summary $451.0 3.2% Mortgage Credit $262.6 1.9% REIT, Mortgage Warehouse Business Credit $135.3 1.0% Securitization Lines Private Equity Funds $29.7 0.2% Subscription Lines Consumer Credit Intermediaries $11.1 0.1% Consumer Credit Lines Other Loans $12.3 0.1% Community Development, Farm Credit Lines

deposits 16 Deposit Product Mix (Avg) 3Q26 Average Deposit Progression All dollars shown in millions Total growth/(decline): $52.4 million Noninterest- bearing $3,609 20% Interest-bearing demand $2,494 14% Savings $1,142 7% Money Market $4,529 26% Retail CDs $2,546 14% Brokered Deposits $1,245 7% Public Funds $2,174 12% Total $17.7 billion -$22.7 $81.8 -$38.9 $47.5 $83.9 -$91.6 -$7.6 Noninterest-bearing Interest-bearing demand Savings Money Market Retail CDs Brokered Deposits Public Funds

average deposit trends 17 All dollars shown in millions Average Deposit Balances Uninsured Deposits $16,369$16,214$16,061 $14,424 $13,000 3Q262Q261Q264Q253Q25 Uninsured deposits (per call report instructions) 7,577$ Less: Public funds 2,002 Less: Intercompany deposits 532 Adjusted uninsured deposits 5,043 Borrowing capacity 6,530 Borrowing capacity in excess of adjusted uninsured deposits $ 1,487 Borrowing capacity as a % of adjusted uninsured deposits 129.5% Adjusted uninsured deposits to total deposits 28.5%

noninterest income 18 Noninterest Income 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. 3Q26 Highlights • Adjusted1 noninterest income 28% of net revenue • Foreign exchange income increased $4.4 million, or 33.5%, from second quarter to $17.5 million • Wealth management fees of $9.1 million increased $0.9 million, or 10.7%, compared to the second quarter • Client derivative fee income increased $1.1 million, or 74.0%, from the linked quarter to $2.5 million • Bankcard income of $3.9 million increased $0.8 million, or 27.4%, compared to the second quarter • Leasing business income increased $0.2 million, or 1.0%, from the linked quarter to $23.0 million All dollars shown in millions Service Charges $9.0 12% Wealth Mgmt $9.1 12% Bankcard $3.9 5% Client derivative fees $2.5 3% Foreign exchange $17.5 22% Leasing business $23.0 30% Mortgage banking $5.7 7% Other $7.0 9% Total $77.7 million $77.6 million as adjusted 1

noninterest expense 19 Noninterest Expense 3Q26 Highlights 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. All dollars shown in millions • Adjusted1 noninterest expense increased $7.8 million, or 5.2% from linked quarter • Efficiency ratio of 60.5%; 57.3% as adjusted1 • Increase driven by compensation costs tied to fee income, as well as increases in credit collection and healthcare costs • $8.9 million of adjustments1 include: • $7.5 million of acquisition related expenses • $0.8 million of amortization of tax credit investments • $0.6 million of other costs not expected to recur Full-time Equivalent Employees 2 Includes 169 FTE from Westfield acquisition 3 Includes 156 FTE from BankFinancial acquisition in 1Q and 154 FTE in 2Q 2 3 Efficiency Ratio Salaries and benefits $94.4 57% Occupancy and equipment $12.4 7%Data processing $12.7 8% Professional services $3.6 2% Intangible amortization $6.2 4% Leasing business expense $14.3 9% Other $22.1 13% Total: $165.7 million 2,251 2,371 2,319 2,164 1,986 3Q262Q261Q264Q253Q25 Full-time equivalent employees 2 3 3 57.4% 62.6% 62.4% 61.2% 60.5% 57.0% 56.5% 58.4% 56.8% 57.3% 3Q25 4Q25 1Q26 2Q26 3Q26 Efficiency Ratio Adjusted Efficiency Ratio 1

allowance for credit losses 20 3Q26 Highlights All dollars shown in millions • $209.8 million combined ACL; $8.9 million combined provision expense • $191.7 million ACL – loans and leases • ACL 1.38% of total loans; unchanged from second quarter • Utilized Moody’s September baseline forecast in quantitative model • $18.2 million ACL – unfunded commitments ACL / Total Loans $161.9 $186.5 $183.7 $189.9 $191.7 $17.6 $20.2 $23.0 $18.3 $18.2 $179.5 $206.7 $206.7 $208.2 $209.8 1.38% 1.39% 1.36% 1.38% 1.38% 3Q25 4Q25 1Q26 2Q26 3Q26 ACL-loans and leases ACL-unfunded commitments ACL / Total Loans

asset quality 21 Classified Assets / Total Assets 1 Provision includes both loans & leases and unfunded commitments All dollars shown in millions Nonperforming Assets / Total Assets Net Charge Offs & Provision Expense1 $6.0 $5.2 $8.8 $11.6 $6.7 $9.8 $9.1 $10.1 $8.5 $8.2 0.20% 0.35% 0.27% 0.18% 0.21% 2Q25 3Q25 4Q25 1Q26 2Q26 NCOs Provision Expense NCOs / Average Loans $5.2 $8.8 $11.6 $6.7 7 2 $9.1 $10.1 $8.5 $8.2 .9 0.21%0.20% 0.35% 0.27% 0.18% 3 4 1 6 2 3 $281.4 $226.8$232.4$235.5 $218.8 1.26% 1.01%1.02% 1.11%1.18% 3Q262Q261Q264Q253Q25 Classified Assets Classified Assets / Total Assets $100.4$96.3$100.8$102.0 $76.1 0.45%0.43%0.44%0.48%0.41% 3Q262Q261Q264Q253Q25 NPAs NPAs / Total Assets

capital 22 Tangible Common Equity Ratio 9/30 Risk Weighted Assets = $16,693,251 All capital numbers are considered preliminary. 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. Adjusted TCE excludes impact from AOCI Tier 1 Common Equity Ratio 8.87% 7.79% 7.87% 8.24% 7.81% 10.15% 8.74% 8.88% 9.30% 9.65% 3Q25 4Q25 1Q26 2Q26 3Q26 TCE ratio Adjusted TCE ratio 1 12.54%12.33%12.22% 11.32% 12.91% 7.00% 3Q262Q261Q264Q253Q25 Tier 1 Common Equity Ratio Basel III minimum 12.81%12.61%12.50% 11.60% 13.23% 8.50% 3Q262Q261Q264Q253Q25 Tier 1 Capital Ratio Basel III minimum Tier 1 Capital Ratio 15.83%15.75%15.70%15.46%15.32% 10.50% 3Q262Q261Q264Q253Q25 Total Capital Ratio Basel III minimum Total Capital Ratio

capital strategy 23 Strategy & DeploymentTangible Book Value Per Share • 3.3% annualized dividend yield as of September 30th • 34% of 3Q26 earnings returned to shareholders through common dividend • Most recent internal stress testing indicates capital ratios above regulatory minimums in all modeled scenarios • No shares repurchased in 3Q26 • Common dividend of $0.26• Decrease in TBV per share from linked quarter driven by unrealized losses on the investment portfolio 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. Adjusted TBV excludes impact from AOCI $16.19 $15.74 $16.15 $16.64 $15.65 $18.52 $17.67 $18.23 $18.78 $19.33 3Q25 4Q25 1Q26 2Q26 3Q26 Tangible Book Value per Share TBV per share-adjusted 1

outlook commentary1 • Loan balances expected to increase low to mid single digits on an annualized basis • Core deposit balances expected to increase low single digits 24 • Total noninterest expense expected to be $150 - 153 million • Incentive expense will fluctuate with fee income Noninterest Expense Net Interest Margin Balance Sheet Credit • Stable credit costs expected • Stable ACL coverage as a percentage of loans expected Noninterest Income • Total expected fee income of $75 - 78 million • Includes $18 - 20 million foreign exchange • Includes $21 - 23 million leasing business income 1 See Forward Looking Statement Disclosure on page 2-4 of this presentation for a discussion of factors that could affect management’s expectations and results in future periods. • Expected to be 4.08% - 4.12%; assumes 25 bp December rate hike • Includes 6 bps of loan accretion income; compared to 10 bps in Q3 Capital • Common dividend unchanged at $0.26 Noninterest Expense Net Inte argin Bala eet it Noninterest Income

appendix: non-GAAP to GAAP reconciliation 25 All dollars shown in thousands Net interest income and net interest margin - fully tax equivalent Sep. 30, June 30, Mar. 31, Dec. 31, Sep. 30, 2026 2026 2026 2025 2025 Net interest income 196,256$ 190,377$ 189,610$ 173,995$ 160,486$ Tax equivalent adjustment 1,114 1,161 1,186 1,227 1,248 Net interest income - tax equivalent 197,370$ 191,538$ 190,796$ 175,222$ 161,734$ Average earning assets 19,247,365$ 19,304,416$ 19,393,679$ 17,448,460$ 15,968,153$ Net interest margin1 4.05 % 3.96 % 3.97 % 3.96 % 3.99 % Net interest margin (fully tax equivalent)1 4.07 % 3.98 % 3.99 % 3.98 % 4.02 % Three months ended 1 Margins are calculated using net interest income annualized divided by average earning assets. The tax equivalent adjustment to net interest income recognizes the income tax savings when comparing taxable and tax-exempt assets and assumes a 21% tax rate. Management believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully tax equivalent basis. Therefore, management believes these measures provide useful information to investors by allowing them to make peer comparisons. Management also uses these measures to make peer comparisons.

appendix: non-GAAP to GAAP reconciliation 26 All dollars shown in thousands Additional non-GAAP ratios Sep. 30, June 30, Mar. 31, Dec. 31, Sep. 30, (Dollars in thousands, except per share data) 2026 2026 2026 2025 2025 Net income (a) 81,182$ 76,456$ 74,445$ 62,393$ 71,923$ Average total shareholders' equity 2,963,270 2,951,237 2,947,585 2,695,581 2,575,203 Less: Goodw ill (1,099,934) (1,099,742) (1,099,543) (1,069,781) (1,007,656) Other intangibles (138,310) (143,403) (149,631) (104,184) (74,448) Average tangible equity (b) 1,725,026 1,708,092 1,698,411 1,521,616 1,493,099 Total shareholders' equity 2,881,482 2,987,488 2,940,625 2,769,216 2,631,855 Less: Goodw ill (1,099,936) (1,099,936) (1,099,543) (1,099,524) (1,007,656) Other intangibles (135,077) (140,705) (145,927) (118,832) (73,797) Ending tangible common equity (c) 1,646,469 1,746,847 1,695,155 1,550,860 1,550,402 Less: AOCI (387,095) (223,720) (217,430) (189,942) (223,000) Adjusted ending tangible common equity (d) 2,033,564 1,970,567 1,912,585 1,740,802 1,773,402 Total assets 22,314,155 22,439,679 22,779,815 21,129,379 18,554,506 Less: Goodw ill (1,099,936) (1,099,936) (1,099,543) (1,099,524) (1,007,656) Other intangibles (135,077) (140,705) (145,927) (118,832) (73,797) Ending tangible assets (e) 21,079,142 21,199,038 21,534,345 19,911,023 17,473,053 Risk-w eighted assets (f) 16,693,251 16,456,311 16,127,377 15,890,363 14,166,935 Total average assets 22,321,112 22,391,439 22,459,721 20,256,539 18,566,188 Less: Goodw ill (1,099,934) (1,099,742) (1,099,543) (1,069,781) (1,007,656) Other intangibles (138,310) (143,403) (149,631) (104,184) (74,448) Average tangible assets (g) 21,082,868$ 21,148,294$ 21,210,547$ 19,082,574$ 17,484,084$ Ending shares outstanding (h) 105,188,323 104,956,458 104,932,829 98,521,726 95,757,250 Ratios Return on average tangible shareholders' equity (a)/(b) 18.67% 17.95% 17.78% 16.27% 19.11% Ending tangible common equity as a percent of: Ending tangible assets (c)/(e) 7.81% 8.24% 7.87% 7.79% 8.87% Risk-w eighted assets (c)/(f) 9.86% 10.62% 10.51% 9.76% 10.94% Adjusted ending tangible common equity to ending tangible assets (d)/(e) 9.65% 9.30% 8.88% 8.74% 10.15% Average tangible equity as a percent of average tangible assets (b)/(g) 8.18% 8.08% 8.01% 7.97% 8.54% Tangible book value per share (c)/(h) 15.65$ 16.64$ 16.15$ 15.74$ 16.19$ Adjusted tangible book value per share (d)/(h) $ 19.33 $ 18.78 $ 18.23 $ 17.67 $ 18.52 Three months ended,

appendix: non-GAAP to GAAP reconciliation 27 All dollars shown in thousands Additional non-GAAP measures 1Q26 4Q25 As Reported Adjusted As Reported Adjusted As Reported Adjusted As Reported Adjusted Net interest income (f) 196,256$ 196,256$ 190,377$ 190,377$ 189,610$ 189,610$ 173,995$ 173,995$ Provision for credit losses-loans and leases (j) 8,975 8,975 12,933 12,933 6,030 6,030 9,688 9,688 Provision for credit losses-unfunded commitments (j) (72) (72) (4,743) (4,743) 2,510 2,510 412 412 Noninterest income 77,658 77,658 73,791 73,791 81,906 81,906 64,767 64,767 less: gains (losses) on security transactions 247 (336) (1,260) (12,576) less: gain on bargain purchase - 3,189 8,892 - less: other (191) (986) (1,371) - Total noninterest income (g) 77,658 77,602 73,791 71,924 81,906 75,645 64,767 77,343 Noninterest expense 165,736 165,736 161,542 161,542 169,408 169,408 149,531 149,531 less: amortization of tax credit investments 774 669 669 800 less: merger-related expenses 7,460 11,641 14,257 5,658 less: Other 623 129 (357) 1,177 Total noninterest expense (e) 165,736 156,879 161,542 149,103 169,408 154,839 149,531 141,896 Income before income taxes (i) 99,275 108,076 94,436 105,008 93,568 101,876 79,131 99,342 Income tax expense 18,093 18,093 17,980 17,980 19,123 19,123 16,738 16,738 plus: tax effect of adjustments 1,848 2,220 1,745 4,244 plus: after-tax impact of tax credit investments @ 21% 331 918 528 632 Total income tax expense (h) 18,093 20,272 17,980 21,118 19,123 21,396 16,738 21,614 Net income (a) 81,182$ 87,804$ 76,456$ 83,890$ 74,445$ 80,480$ 62,393$ 77,728$ Average diluted shares (b) 105,001 105,001 104,937 104,937 104,615 104,615 97,594 97,594 Average assets (c) 22,321,112 22,321,112 22,391,439 22,391,439 22,459,721 22,459,721 20,256,539 20,256,539 Average shareholders' equity (k) 2,963,270 2,963,270 2,951,237 2,951,237 2,947,585 2,947,585 2,695,581 2,695,581 Less: Goodwill and other intangibles (1,238,244) (1,238,244) (1,243,145) (1,243,145) (1,249,174) (1,249,174) (1,173,965) (1,173,965) Average tangible equity (d) 1,725,026 1,725,026 1,708,092 1,708,092 1,698,411 1,698,411 1,521,616 1,521,616 Ratios Net earnings per share - diluted (a)/(b) 0.77$ 0.84$ 0.73$ 0.80$ 0.71$ 0.77$ 0.64$ 0.80$ Return on average assets - (a)/(c) 1.44% 1.56% 1.37% 1.50% 1.34% 1.45% 1.22% 1.52% Pre-tax, pre-provision return on average assets - ((a)+(j)+(h))/(c) 1.92% 2.08% 1.84% 2.03% 1.84% 1.99% 1.75% 2.14% Return on average shareholders' equity (a)/(k) 10.87% 11.76% 10.39% 11.40% 10.24% 11.07% 9.18% 11.44% Return on average tangible shareholders' equity - (a)/(d) 18.67% 20.19% 17.95% 19.70% 17.78% 19.22% 16.27% 20.27% Efficiency ratio - (e)/((f)+(g)) 60.5% 57.3% 61.2% 56.8% 62.4% 58.4% 62.6% 56.5% Effective tax rate - (h)/(i) 18.2% 18.8% 19.0% 20.1% 20.4% 21.0% 21.2% 21.8% (Dollars in thousands, except per share data) 3Q26 2Q26

28 First Financial Bancorp First Financial Center 255 East Fifth Street Cincinnati, OH 45202

GRAPHIC

Filename: bancorplogoa04a.jpg · Sequence: 8

Binary file (10704 bytes)

Download bancorplogoa04a.jpg

GRAPHIC

Filename: contentsheader0215a23a.jpg · Sequence: 9

Binary file (29510 bytes)

Download contentsheader0215a23a.jpg

GRAPHIC

Filename: exh992earningsrelease3q2001.jpg · Sequence: 10

Binary file (60752 bytes)

Download exh992earningsrelease3q2001.jpg

GRAPHIC

Filename: exh992earningsrelease3q2002.jpg · Sequence: 11

Binary file (273728 bytes)

Download exh992earningsrelease3q2002.jpg

GRAPHIC

Filename: exh992earningsrelease3q2003.jpg · Sequence: 12

Binary file (181393 bytes)

Download exh992earningsrelease3q2003.jpg

GRAPHIC

Filename: exh992earningsrelease3q2004.jpg · Sequence: 13

Binary file (234012 bytes)

Download exh992earningsrelease3q2004.jpg

GRAPHIC

Filename: exh992earningsrelease3q2005.jpg · Sequence: 14

Binary file (168335 bytes)

Download exh992earningsrelease3q2005.jpg

GRAPHIC

Filename: exh992earningsrelease3q2006.jpg · Sequence: 15

Binary file (142974 bytes)

Download exh992earningsrelease3q2006.jpg

GRAPHIC

Filename: exh992earningsrelease3q2007.jpg · Sequence: 16

Binary file (145694 bytes)

Download exh992earningsrelease3q2007.jpg

GRAPHIC

Filename: exh992earningsrelease3q2008.jpg · Sequence: 17

Binary file (170019 bytes)

Download exh992earningsrelease3q2008.jpg

GRAPHIC

Filename: exh992earningsrelease3q2009.jpg · Sequence: 18

Binary file (128134 bytes)

Download exh992earningsrelease3q2009.jpg

GRAPHIC

Filename: exh992earningsrelease3q2010.jpg · Sequence: 19

Binary file (131035 bytes)

Download exh992earningsrelease3q2010.jpg

GRAPHIC

Filename: exh992earningsrelease3q2011.jpg · Sequence: 20

Binary file (101069 bytes)

Download exh992earningsrelease3q2011.jpg

GRAPHIC

Filename: exh992earningsrelease3q2012.jpg · Sequence: 21

Binary file (133110 bytes)

Download exh992earningsrelease3q2012.jpg

GRAPHIC

Filename: exh992earningsrelease3q2013.jpg · Sequence: 22

Binary file (88517 bytes)

Download exh992earningsrelease3q2013.jpg

GRAPHIC

Filename: exh992earningsrelease3q2014.jpg · Sequence: 23

Binary file (152751 bytes)

Download exh992earningsrelease3q2014.jpg

GRAPHIC

Filename: exh992earningsrelease3q2015.jpg · Sequence: 24

Binary file (138278 bytes)

Download exh992earningsrelease3q2015.jpg

GRAPHIC

Filename: exh992earningsrelease3q2016.jpg · Sequence: 25

Binary file (93741 bytes)

Download exh992earningsrelease3q2016.jpg

GRAPHIC

Filename: exh992earningsrelease3q2017.jpg · Sequence: 26

Binary file (99827 bytes)

Download exh992earningsrelease3q2017.jpg

GRAPHIC

Filename: exh992earningsrelease3q2018.jpg · Sequence: 27

Binary file (138384 bytes)

Download exh992earningsrelease3q2018.jpg

GRAPHIC

Filename: exh992earningsrelease3q2019.jpg · Sequence: 28

Binary file (151366 bytes)

Download exh992earningsrelease3q2019.jpg

GRAPHIC

Filename: exh992earningsrelease3q2020.jpg · Sequence: 29

Binary file (107590 bytes)

Download exh992earningsrelease3q2020.jpg

GRAPHIC

Filename: exh992earningsrelease3q2021.jpg · Sequence: 30

Binary file (108633 bytes)

Download exh992earningsrelease3q2021.jpg

GRAPHIC

Filename: exh992earningsrelease3q2022.jpg · Sequence: 31

Binary file (124325 bytes)

Download exh992earningsrelease3q2022.jpg

GRAPHIC

Filename: exh992earningsrelease3q2023.jpg · Sequence: 32

Binary file (126997 bytes)

Download exh992earningsrelease3q2023.jpg

GRAPHIC

Filename: exh992earningsrelease3q2024.jpg · Sequence: 33

Binary file (154339 bytes)

Download exh992earningsrelease3q2024.jpg

GRAPHIC

Filename: exh992earningsrelease3q2025.jpg · Sequence: 34

Binary file (148595 bytes)

Download exh992earningsrelease3q2025.jpg

GRAPHIC

Filename: exh992earningsrelease3q2026.jpg · Sequence: 35

Binary file (177843 bytes)

Download exh992earningsrelease3q2026.jpg

GRAPHIC

Filename: exh992earningsrelease3q2027.jpg · Sequence: 36

Binary file (174732 bytes)

Download exh992earningsrelease3q2027.jpg

GRAPHIC

Filename: exh992earningsrelease3q2028.jpg · Sequence: 37

Binary file (55777 bytes)

Download exh992earningsrelease3q2028.jpg

GRAPHIC

Filename: yellowbara12a.jpg · Sequence: 38

Binary file (1388 bytes)

Download yellowbara12a.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 40

v3.26.3

Document and Entity Information Document

Oct. 27, 2026

Cover [Abstract]

Document Type

8-K

Document Period End Date

Oct. 27, 2026

Entity Registrant Name

FIRST FINANCIAL BANCORP.

Entity Incorporation, State or Country Code

Entity File Number

001-34762

Entity Tax Identification Number

31-1042001

Entity Address, Address Line One

255 East Fifth Street, Suite 900

Entity Address, City or Town

Cincinnati,

Entity Address, State or Province

Entity Address, Postal Zip Code

45202

City Area Code

877

Local Phone Number

322-9530

Written Communications

true

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity Emerging Growth Company

false

Entity Central Index Key

0000708955

Amendment Flag

false

NASDAQ/NMS (GLOBAL MARKET) [Member]

Entity Listings [Line Items]

Title of 12(b) Security

Common stock, No par value

Trading Symbol

FFBC

Security Exchange Name

NASDAQ

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_EntityListingsLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Details

Name:

dei_EntityListingsExchangeAxis=exch_XNMS

Namespace Prefix:

Data Type:

Balance Type:

Period Type: