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First Financial Bancorp FFBC Provision for Credit Losses

Provision for Credit Losses at other companies

First Financial Bankshares logo
First Financial BanksharesFFIN
$4.18M+33.6%
Simmons First National logo
Simmons First NationalSFNC
$17.43M+46.0%
JPMorgan Chase logo
JPMorgan ChaseJPM
$2.52B-11.7%
Fifth Third Bank logo
Fifth Third BankFITB
$129M-25.4%
Huntington Bancshares logo
Huntington BancsharesHBAN
$7M+123%
KeyCorp logo
KeyCorpKEY
$92M-33.3%

Other financials

Income statement

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Revenue$264.2M+16.7%
Net income$76.5M+9.2%
EPS (diluted)$0.730.0%

Balance sheet

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Total debt$2.2B-8.9%
Total equity$3.0B+16.8%
Total assets$22.4B+20.4%

Cash flow

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Operating cash flow$31.4M-55.0%
CapEx$10.3M+108%
Free cash flow$21.1M-67.5%

Valuation

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Market cap$3.55B+56.2%
P/E12.4×+2.9×
P/S3.5×+0.9×

Profitability

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Net margin28.3%+0.3pp
FCF margin75%+43.5pp

Returns & leverage

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Return on equity10.3%+0.5pp
Debt / equity0.7×-0.2×

Where this comes from

Reported directly by First Financial Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The source filing: First Financial Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 2:47 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000708955-26-000144
Line itemThree months ended / June 30, 2026Three months ended / June 30, 2025Six months ended / June 30, 2026Six months ended / June 30, 2025
Long-term borrowings6,2975,75414,20210,691
Total interest expense90,54487,631183,352178,754
Net interest income190,377158,269379,987307,565
Provision for credit losses - loans and leases12,9339,08418,96318,225
Provision for (recapture of) credit losses - unfunded commitments(4,743)718(2,233)277
Net interest income after provision for credit losses182,187148,467363,257289,063
Noninterest income
Service charges on deposit accounts8,8967,76617,90915,229

Item 1. - Financial Statements

FAQ

What is First Financial Bancorp's provision for credit losses?
First Financial Bancorp (FFBC) reported provision for credit losses of $12.93M in Q2 2026.
How has First Financial Bancorp's provision for credit losses changed year-over-year?
First Financial Bancorp's provision for credit losses increased by 42.4% year-over-year, from $9.08M to $12.93M.
What is the long-term trend for First Financial Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), First Financial Bancorp's provision for credit losses has grown at a 18.0% compound annual growth rate (CAGR), from -$19.02M to $36.94M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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