First Financial Bancorp is a regional bank holding company headquartered in Cincinnati, Ohio, that provides comprehensive banking services to individuals and small to medium-sized businesses across Ohio, Indiana, Kentucky, and Illinois. The company generates revenue primarily from interest income on commercial and industrial loans, real estate mortgages and commercial properties, consumer financing, and customer deposits, supplemented by fees from deposit services, loan origination, wealth management, and specialized lending operations through subsidiaries focused on insurance-related financing, restaurant franchising, equipment leasing, and foreign exchange services. First Financial competes through local decision-making and market focus, offering advantages in size and geographic diversity compared to smaller community banks while competing with larger regional and national banks, credit unions, and emerging fintech providers.