FFBC / First Financial Bancorp. - SEC-Einreichungen, Jahresbericht, Proxy Statement

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): May 26, 2026 FIRST FINANCIAL BANC

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): May 26, 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) (

AGREEMENT FOR RESTRICTED STOCK AWARD NON-EMPLOYEE DIRECTORS This Agreement for Restricted Stock Award (the "Agreement") is made between FIRST FINANCIAL BANCORP., an Ohio corporation (the "Corporation"), and /$ParticipantName$/ (the "Director") who, a

ex102-2026directorrsaagr AGREEMENT FOR RESTRICTED STOCK AWARD NON-EMPLOYEE DIRECTORS This Agreement for Restricted Stock Award (the "Agreement") is made between FIRST FINANCIAL BANCORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 31-1042001 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 255 East Fifth Street, Suite 900, Cincinnati, Ohio 45202 (Address o

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 FIRST FINANCIAL BANCORP /OH/ Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common shares, without par value 457(a) 3,850,000 $ 30.

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): May 22, 2026 FIRST FINANCIAL BANC

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): May 22, 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) (

investor presentation • First Quarter 2026 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

a8k52226investpresent investor presentation • First Quarter 2026 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,”

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL B

AGREEMENT FOR RESTRICTED STOCK AWARD

EXHIBIT 10.2 AGREEMENT FOR RESTRICTED STOCK AWARD This Agreement for Restricted Stock Award (the "Agreement") is made between FIRST FINANCIAL BANCORP., an Ohio corporation (the "Corporation"), and /$ParticipantName$/ (the "Grantee") who, as of /$GrantDate$/, which is the date of this Agreement, is an employee of the Corporation or a Subsidiary (as defined below). WHEREAS, the Corporation establish

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): April 23, 2026 FIRST FINANCIAL BA

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): April 23, 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)

earnings presentation • First Quarter 2026 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

exh992earningsrelease1q2 earnings presentation • First Quarter 2026 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated

First Financial Bancorp Announces First Quarter 2026 Financial Results

Exhibit 99.1 First Financial Bancorp Announces First Quarter 2026 Financial Results •Earnings per diluted share of $0.71; $0.77 on an adjusted(1) basis •Return on average assets of 1.34%; 1.45% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 3.99% •Record quarterly revenue of $265.3 million on an adjusted(1) basis •Noninterest income of $75.6 million on an adjusted(1) basis •$150 m

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 1

ARS

2025 annual report Net Income (dollars in millions) 2021 2023 2022 2024 2025 $205.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934 Commission File Number 001-34762 FIRST FINANCIAL BANCORP. (Exact name of

Name State of Other Jurisdiction of Incorporation or Organization First Financial Bank Ohio First Financial Collateral, Inc. Indiana First Franchise Capital Corporation Indiana Irwin Home Equity Corporation Indiana IHE Funding Corp. II Delaware MSB I

EXHIBIT 21 FIRST FINANCIAL BANCORP. SUBSIDIARIES (as of 12/31/25) Name State of Other Jurisdiction of Incorporation or Organization First Financial Bank Ohio First Financial Collateral, Inc. Indiana First Franchise Capital Corporation Indiana Irwin Home Equity Corporation Indiana IHE Funding Corp. II Delaware MSB Investments of Nevada, Inc. Nevada MSB Holdings of Nevada, Inc. Nevada MSB of Nevada,

(Dollars in thousands) Agile Purchase consideration Cash consideration $ 96,887 Assets acquired Commercial loans 93,353 Premises and equipment 651 Other intangible assets 3,797 Total assets acquired 97,801 Liabilities assumed Other liabilities 2,702

EXHIBIT 13 Glossary of Abbreviations and Acronyms First Financial Bancorp has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and the Management's Discussion and Analysis of Financial Condition and Results of Operations.

investor presentation • Fourth Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

a8k2226investpresent investor presentation • Fourth Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,”

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): February 2, 2026 FIRST FINANCIAL

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): February 2, 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 organizatio

Security Type

Calculation of Filing Fee Tables S-3 FIRST FINANCIAL BANCORP /OH/ Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common Shares, no par value 457(a) 2,753,094 $ 27.

As filed with the Securities and Exchange Commission on January 30, 2026

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on January 30, 2026 Registration No.

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): January 28, 2026 FIRST FINANCIAL

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): January 28, 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 organizatio

earnings presentation • Fourth Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

exh992earningsrelease4q2 earnings presentation • Fourth Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimate

First Financial Bancorp Announces Record Fourth Quarter, Full Year 2025 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces Record Fourth Quarter, Full Year 2025 Financial Results and Quarterly Dividend •Earnings per diluted share of $0.64; $0.80 on an adjusted(1) basis is a Company record •Return on average assets of 1.22%; 1.52% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 3.98% •Record revenue of $251.3 million on an adjusted(1) basis •Record noninter

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EXHIBIT 99.1 FOR IMMEDIATE RELEASE First Financial Bancorp. Announces the Completion of its Acquisition of BankFinancial CINCINNATI, OH – December 31, 2025 – First Financial Bancorp. (Nasdaq: FFBC) (“First Financial” or the “Company”) announced today that, on January 1, 2026, it will close its previously announced acquisition of Chicago-based BankFinancial Corporation (“BankFinancial”) through an

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): December 31, 2025 FIRST FINANCIAL

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): December 31, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

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): December 9, 2025 FIRST FINANCIAL

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): December 9, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

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EXHIBIT 99.1 FOR IMMEDIATE RELEASE First Financial Secures Regulatory Approval for Acquisition of BankFinancial •First Financial Bancorp. (“First Financial”) secured regulatory approval of its announced acquisition of Chicago-based BankFinancial Corporation (“BankFinancial”). •Closing is anticipated to take place on or around January 1, 2026. Cincinnati, OH – December 15, 2025 – First Financial (N

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): December 11, 2025 FIRST FINANCIAL

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): December 11, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

investor presentation • Third Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

a8k121125investpresent investor presentation • Third Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,”

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): November 6, 2025 FIRST FINANCIAL

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): November 6, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation) (Commission F

FIRST FINANCIAL BANCORP., WILMINGTON TRUST, NATIONAL ASSOCIATION, Dated as of November 10, 2025 Dated as of November 5, 2025 6.375% FIXED-TO-FLOATING RATE SUBORDINATED NOTES DUE 2035

EX-4.2 Exhibit 4.2 FIRST FINANCIAL BANCORP., Company, AND WILMINGTON TRUST, NATIONAL ASSOCIATION, Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of November 10, 2025 TO SUBORDINATED INDENTURE Dated as of November 5, 2025 6.375% FIXED-TO-FLOATING RATE SUBORDINATED NOTES DUE 2035 TABLE OF CONTENTS ARTICLE I DEFINITIONS Section 1.1 Definitions 4 ARTICLE II GENERAL TERMS AND CONDITIONS OF THE NOTES Sec

2

EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE FIRST FINANCIAL BANCORP. ANNOUNCES PRICING OF SUBORDINATED NOTES OFFERING Cincinnati, OH – November 6, 2025– First Financial Bancorp. (Nasdaq: “FFBC”) (“First Financial”), the holding company for First Financial Bank (the “Bank”), today announced the pricing of a public offering of $300 million aggregate principal amount of First Financial’s 6.375% Fixed-

$300,000,000 First Financial Bancorp. 6.375% Fixed-to-Floating Rate Subordinated Notes due December 1, 2035 UNDERWRITING AGREEMENT

EX-1.1 Exhibit 1.1 Execution Version $300,000,000 First Financial Bancorp. 6.375% Fixed-to-Floating Rate Subordinated Notes due December 1, 2035 UNDERWRITING AGREEMENT November 6, 2025 KEEFE, BRUYETTE & WOODS, INC. 787 Seventh Avenue, 4th Floor New York, New York 10019 JANNEY MONTGOMERY SCOTT LLC 1717 Arch Street, Floor 19 Philadelphia, PA 19103 As representatives of the Underwriters listed in Sch

$300,000,000 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035

424B5 Filed Pursuant to Rule 424(b)(5) Registration Statement No. 333-291294 PROSPECTUS SUPPLEMENT (to Prospectus dated November 5, 2025) $300,000,000 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035 We are offering $300,000,000 aggregate principal amount of 6.375 % Fixed-to-Floating Rate Subordinated Notes due 2035 (the “subordinated notes”). The subordinated notes will mature on Decembe

Security Type

Calculation of Filing Fee Tables S-3 FIRST FINANCIAL BANCORP /OH/ Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 6.

6.375% Fixed-to-Floating Rate Subordinated Notes due 2035 Term Sheet Issuer/Ticker: First Financial Bancorp. (the “Company” or “Issuer”)/FFBC Security: 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”) Aggregate Principal Amount

FWP Filed pursuant to Rule 433 Issuer Free Writing Prospectus dated November 6, 2025 Registration No.

SUBJECT TO COMPLETION DATED NOVEMBER 6, 2025

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration Statement No.

Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No. 333-291294 Dated November 6, 2025 Fixed Income Investor Presentation Third Quarter 2025

FWP Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No. 333-291294 Dated November 6, 2025 Fixed Income Investor Presentation Third Quarter 2025 disclaimer This Presentation contains summarized consolidated information concerning First Financial Bancorp. (the “Company”) and the Company’s business, operations, financial performance and trends. No representation is made that

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1

EX-25.2 Exhibit 25.2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 ☐ Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) WILMINGTON TRUST, NATIONAL ASSOCIATION (Exact name of trustee as specified in its charter) 16-1486454 (I.R.S. employer identification no.) 1100 North Market Street Wilmington, DE 19890-0001 (Address of pr

Security Type

Calculation of Filing Fee Tables S-3 FIRST FINANCIAL BANCORP /OH/ Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt Debt Securities 457(r) 0.

FIRST FINANCIAL BANCORP., an Ohio corporation, as Issuer Wilmington Trust, National Association, as Trustee Dated as of November 5, 2025 Subordinated Debt Securities

EX-4.5 Exhibit 4.5 FIRST FINANCIAL BANCORP., an Ohio corporation, as Issuer and Wilmington Trust, National Association, as Trustee SUBORDINATED INDENTURE Dated as of November 5, 2025 Subordinated Debt Securities Reconciliation and tie to Trust Indenture Act of 1939, as amended. Trust Indenture Act Section Indenture Section Section 310 (a)(1)           607 (a)(2) 607 (a)(5) 607 (b) 604, 607 Section

As filed with the Securities and Exchange Commission on November 5, 2025

S-3ASR As filed with the Securities and Exchange Commission on November 5, 2025 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCI

AGREEMENT AND PLAN OF MERGER by and between FIRST FINANCIAL BANCORP. and BANKFINANCIAL CORPORATION _____________________ Dated as of August 11, 2025 EXHIBIT 2.1 -i- TABLE OF CONTENTS ARTICLE I THE MERGER 1.1 The Merger ...............................

americas1103544939v13-me AGREEMENT AND PLAN OF MERGER by and between FIRST FINANCIAL BANCORP.

First Financial Bancorp. Announces the Completion of its Acquisition of Westfield Bancorp, Inc., and Westfield Bank, FSB

EXHIBIT 99.1 FOR IMMEDIATE RELEASE First Financial Bancorp. Announces the Completion of its Acquisition of Westfield Bancorp, Inc., and Westfield Bank, FSB CINCINNATI, OH – November 3, 2025 – First Financial Bancorp. (Nasdaq: FFBC) (“First Financial”) announced today that it has closed its previously announced acquisition of Westfield Bancorp, Inc. (“Westfield”) in a cash and stock transaction, fr

Fixed Income Investor Presentation Third Quarter 2025 disclaimer 2 This Presentation contains summarized consolidated information concerning First Financial Bancorp. (the “Company”) and the Company’s business, operations, financial performance and tr

projectpitch-fixedincome Fixed Income Investor Presentation Third Quarter 2025 disclaimer 2 This Presentation contains summarized consolidated information concerning First Financial Bancorp.

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): November 1, 2025 FIRST FINANCIAL

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): November 1, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

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): November 3, 2025 FIRST FINANCIAL

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): November 3, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS  Filed Pursuant to Rule 424(b)(3)  Registration No. 333-290507 MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT To the Stockholders of BankFinancial Corporation On behalf of the board of directors of BankFinancial Corporation (“BankFinancial”), we are pleased to enclose the accompanying proxy statement/prospectus relating to the proposed acquisition of BankFinancial by First Financi

First Financial Bancorp Announces Third Quarter and Year to Date 2025 Financial Results

Exhibit 99.1 First Financial Bancorp Announces Third Quarter and Year to Date 2025 Financial Results •Earnings per diluted share of $0.75; $0.76 on an adjusted(1) basis •Return on average assets of 1.54%; 1.55% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.02% •Record total revenue of $234 million •Record noninterest income of $73.5 million; $73.6 million on an adjusted(1) basi

earnings presentation • Third Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

exh992earningsrelease3q2 earnings presentation • Third Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated

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 23, 2025 FIRST FINANCIAL

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 23, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

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 10, 2025 FIRST FINANCIAL

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 10, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

As filed with the Securities and Exchange Commission on October 9, 2025

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on October 9, 2025 Registration No.

CONSENT OF KEEFE, BRUYETTE & WOODS, INC.

Exhibit 99.2 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of BankFinancial Corporation (“BankFinancial”), as Annex B to the proxy statement/prospectus which forms a part of the Registration Statement on Form S-4 filed on the date hereof (the “Registration Statement”) relating to the proposed merger of BankFinancial Corp

Security Type

Calculation of Filing Fee Tables S-4 FIRST FINANCIAL BANCORP /OH/ Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common shares, no par value Other $ 154,637,013.

As filed with the Securities and Exchange Commission on September 25, 2025

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on September 25, 2025 Registration No.

1UPX 04729B The undersigned acknowledge(s) receipt from the Company, prior to the execution of this proxy, of a Notice of the Special Meeting of Stockholders, and a Proxy Statement/Prospectus dated <Month Day, Year>. Please sign exactly as your name(

Exhibit 99.1 1UPX 04729B The undersigned acknowledge(s) receipt from the Company, prior to the execution of this proxy, of a Notice of the Special Meeting of Stockholders, and a Proxy Statement/Prospectus dated . Please sign exactly as your name(s) appear(s) on this card. When signing as attorney, executor, administrator, trustee or guardian, please give full title. If shares are held jointly, the

investor presentation • Second Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

a8k82125investpresent investor presentation • Second Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,”

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): August 21, 2025 FIRST FINANCIAL B

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): August 21, 2025 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

1 First Financial to strategically expand in Chicago with acquisition of BankFinancial August 11, 2025 Exhibit 99.2 Certain statements in this press release constitute “forward-looking statements” within the meaning of the Private Securities Litigati

exhibit992projectcockpit 1 First Financial to strategically expand in Chicago with acquisition of BankFinancial August 11, 2025 Exhibit 99.

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): August 11, 2025 FIRST FINANCIAL B

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): August 11, 2025 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

First Financial Bank to Strategically Expand Presence in Chicago with the Complementary Acquisition of BankFinancial

EXHIBIT 99.1 FOR IMMEDIATE RELEASE First Financial Bank to Strategically Expand Presence in Chicago with the Complementary Acquisition of BankFinancial CINCINNATI, OH – August 11, 2025 •First Financial Bancorp (“First Financial”) has agreed to acquire Chicago-based BankFinancial Corporation (“BankFinancial”). •The acquisition strategically expands First Financial's presence in the robust Chicago m

AGREEMENT AND PLAN OF MERGER by and between FIRST FINANCIAL BANCORP. and BANKFINANCIAL CORPORATION _____________________ Dated as of August 11, 2025 EXHIBIT 2.1 -i- TABLE OF CONTENTS ARTICLE I THE MERGER 1.1 The Merger ...............................

americas1103544939v13-me AGREEMENT AND PLAN OF MERGER by and between FIRST FINANCIAL BANCORP.

1 First Financial to strategically expand in Chicago with acquisition of BankFinancial August 11, 2025 Exhibit 99.2 Certain statements in this press release constitute “forward-looking statements” within the meaning of the Private Securities Litigati

exhibit992projectcockpit 1 First Financial to strategically expand in Chicago with acquisition of BankFinancial August 11, 2025 Exhibit 99.

First Financial Bank to Strategically Expand Presence in Chicago with the Complementary Acquisition of BankFinancial

EXHIBIT 99.1 FOR IMMEDIATE RELEASE First Financial Bank to Strategically Expand Presence in Chicago with the Complementary Acquisition of BankFinancial CINCINNATI, OH – August 11, 2025 •First Financial Bancorp (“First Financial”) has agreed to acquire Chicago-based BankFinancial Corporation (“BankFinancial”). •The acquisition strategically expands First Financial's presence in the robust Chicago m

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): August 11, 2025 FIRST FINANCIAL B

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): August 11, 2025 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

AGREEMENT AND PLAN OF MERGER by and between FIRST FINANCIAL BANCORP. and BANKFINANCIAL CORPORATION _____________________ Dated as of August 11, 2025 EXHIBIT 2.1 -i- TABLE OF CONTENTS ARTICLE I THE MERGER 1.1 The Merger ...............................

americas1103544939v13-me AGREEMENT AND PLAN OF MERGER by and between FIRST FINANCIAL BANCORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL BA

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): July 24, 2025 FIRST FINANCIAL BAN

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): July 24, 2025 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)

First Financial Bancorp Announces Second Quarter and Year to Date 2025 Financial Results & Quarterly Dividend Increase

Exhibit 99.1 First Financial Bancorp Announces Second Quarter and Year to Date 2025 Financial Results & Quarterly Dividend Increase •Earnings per diluted share of $0.73; $0.74 on an adjusted(1) basis •Return on average assets of 1.52%; 1.54% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.05%; 17 bp increase from first quarter •Record quarterly revenue of $226.3 million •TCE rati

earnings presentation • Second Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

exh992earningsrelease2q2 earnings presentation • Second Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimate

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): June 23, 2025 FIRST FINANCIAL BAN

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): June 23, 2025 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)

investor presentation • Acquisition of Westfield Bancorp Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the mea

projectartemismergerpres investor presentation • Acquisition of Westfield Bancorp Exhibit 99.

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FOR IMMEDIATE RELEASE – Cincinnati, OH – June 23, 2025 EXHIBIT 99.1 First Financial Bancorp and Westfield Jointly Announce First Financial’s Acquisition of Westfield Bancorp •First Financial Bancorp (“First Financial”) has agreed to acquire Westfield Bancorp, which has $2.2 billion in assets, the holding company of Westfield Bank, FSB. This expands First Financial’s ability to serve the geographic

Stock Purchase Agreement by and between First Financial Bancorp. and Ohio Farmers Insurance Company, dated as of June 23, 2025

executionversion-stockpu Execution Version STOCK PURCHASE AGREEMENT BY AND BETWEEN OHIO FARMERS INSURANCE COMPANY AND FIRST FINANCIAL BANCORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K {X} ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR { } TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 First Financial Bancorp 401(k) Savings

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): May 27, 2025 FIRST FINANCIAL BANC

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): May 27, 2025 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) (

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 12, 2025 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) (

investor presentation • First Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

investor presentation • First Quarter 2025 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL B

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 24, 2025 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)

earnings presentation • First Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

earnings presentation • First Quarter 2025 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

First Financial Bancorp Announces First Quarter 2025 Financial Results

Exhibit 99.1 First Financial Bancorp Announces First Quarter 2025 Financial Results •Earnings per diluted share of $0.54; $0.63 on an adjusted(1) basis •Return on average assets of 1.13%; 1.33% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 3.88% •Noninterest income of $51.1 million; $61.0 million on an adjusted(1) basis •Noninterest expenses $128.1 million; $126.6 million on an a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive

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Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): March 26, 2025 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)

First Financial Bancorp. Subsidiaries

EXHIBIT 21 FIRST FINANCIAL BANCORP. SUBSIDIARIES (as of 12/31/24) Name State of Other Jurisdiction of Incorporation or Organization First Financial Bank Ohio First Financial Collateral, Inc. Indiana First Franchise Capital Corporation Indiana Irwin Home Equity Corporation Indiana IHE Funding Corp. II Delaware MSB Investments of Nevada, Inc. Nevada MSB Holdings of Nevada, Inc. Nevada MSB of Nevada,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934 Commission File Number 001-34762 FIRST FINANCIAL BANCORP. (Exact name of

Insider Trading Polic

EXHIBIT 19 Mission Category: Shareholder Policy Type: Board Responsibility: General Counsel Policy Approval Level: Board of Directors CGNC Committee Effective Date: Prior to 2006 Revision Date: January 28, 2025 Policy No.

Registrant's annual report to shareholders for the year ended December 31, 202

EXHIBIT 13 Glossary of Abbreviations and Acronyms First Financial Bancorp has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and the Management's Discussion and Analysis of Financial Condition and Results of Operations.

Regulation FD Disclosure, Financial Statements and Exhibits

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): January 28, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

investor presentation • Fourth Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation • Fourth Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

earnings presentation • Fourth Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

earnings presentation • Fourth Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

First Financial Bancorp Announces Fourth Quarter and Full Year 2024 Financial Results

Exhibit 99.1 First Financial Bancorp Announces Fourth Quarter and Full Year 2024 Financial Results •Earnings per diluted share of $0.68; $0.71 on an adjusted(1) basis •Return on average assets of 1.41%; 1.47% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 3.94% •Noninterest income of $69.9 million; $69.7 million on an adjusted(1) basis •Loan growth of $208.7 million; 7.2% on an an

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): January 23, 2025 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

Regulation FD Disclosure, Financial Statements and Exhibits

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): November 8, 2024 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

investor presentation • Third Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

investor presentation • Third Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCI

FFBC / First Financial Bancorp. / MACQUARIE GROUP LTD - SC 13G/A Passive Investment

SC 13G/A 1 d896602dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 6)* First Financial Bancorp (Name of Issuer) Common Shares (Title of Class of Securities) 320209109 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

Page 13 of 13

EX-99.B 3 d896602dex99b.htm EX-99.B EXHIBIT B Powers of Attorney for Macquarie Group Limited incorporated by reference to 13G filings made by Macquarie Group Limited on June 7, 2023. Page 13 of 13

Page 8 of 13

EX-99.A 2 d896602dex99a.htm EX-99.A EXHIBIT A AGREEMENT TO FILE JOINT ACQUISITION STATEMENTS AGREEMENT made this [7th] day of FEBRUARY, 2024 by and between Delaware Funds by Macquarie,® Optimum Fund Trust and Macquarie ETF Trust listed on Annex A hereto, Macquarie Investment Management Business Trust, Macquarie Management Holdings, Inc, and the Macquarie Parties listed on Annex B hereto (collectiv

First Financial Bancorp Announces Third Quarter 2024 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces Third Quarter 2024 Financial Results and Quarterly Dividend •Earnings per diluted share of $0.55; $0.67 on an adjusted(1) basis •Return on average assets of 1.17%; 1.42% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.08% •Noninterest income of $45.7 million; $58.8 million on an adjusted(1) basis •Average deposit growth of $166.2 mil

earnings presentation • Third Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

earnings presentation • Third Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 24, 2024 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

FFBC / First Financial Bancorp. / MACQUARIE GROUP LTD - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5)* First Financial Bancorp (Name of Issuer) Common Shares (Title of Class of Securities) 320209109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

Page 13 of 13

EX-99.B 3 d845912dex99b.htm EX-99.B EXHIBIT B Powers of Attorney for Macquarie Group Limited incorporated by reference to 13G filings made by Macquarie Group Limited on June 7, 2023. Page 13 of 13

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EX-99.A 2 d845912dex99a.htm EX-99.A EXHIBIT A AGREEMENT TO FILE JOINT ACQUISITION STATEMENTS AGREEMENT made this [7th] day of FEBRUARY, 2024 by and between Delaware Funds by Macquarie,® Optimum Fund Trust and Macquarie ETF Trust listed on Annex A hereto, Macquarie Investment Management Business Trust, Macquarie Management Holdings, Inc, and the Macquarie Parties listed on Annex B hereto (collectiv

Regulation FD Disclosure, Financial Statements and Exhibits

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): August 27, 2024 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

investor presentation • Second Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation • Second Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL BA

earnings presentation • Second Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

earnings presentation • Second Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

First Financial Bancorp Announces Second Quarter 2024 Financial Results and Quarterly Dividend Increase

Exhibit 99.1 First Financial Bancorp Announces Second Quarter 2024 Financial Results and Quarterly Dividend Increase •Earnings per diluted share of $0.64; $0.65 on an adjusted(1) basis •Return on average assets of 1.38%; 1.40% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.10% •Record fee income of $61.5 million •Loan growth of $316.1 million; 11.3% on an annualized basis •Avera

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): July 25, 2024 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)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K {X} ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR { } TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 First Financial Bancorp 401(k) Savings

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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): MAY 28, 2024 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) (

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 14, 2024 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) (

investor presentation • First Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

investor presentation • First Quarter 2024 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL B

earnings presentation • First Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

earnings presentation • First Quarter 2024 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 25, 2024 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)

First Financial Bancorp Announces First Quarter 2024 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces First Quarter 2024 Financial Results and Quarterly Dividend •Earnings per diluted share of $0.53; $0.59 on an adjusted(1) basis •Return on average assets of 1.18%; 1.30% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.10% •Acquired Agile Premium Finance •Loan growth of $271.9 million; 10.0% on an annualized basis •Tangible common equ

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annual report 2023Net Income (dollars in millions) 2020 $155.8 2019 $198.1 2022 $217.6 2021 $205.2 2023 $255.9 Total Loans (dollars in billions) 2019 2020 2021 2022 2023 $9.2 $9.9 $9.3 $10.3 $10.9 2023 $13.4 Total Deposits (dollars in billions) 2019 $10.2 2020 $12.2 2021 $12.9 2022 $12.7 Total Assets (dollars in billions) 2019 $14.5 2020 $16.0 2021 $16.3 2022 $17.0 2023 $17.5 Diluted Earnings Per

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): March 21, 2024 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)

First Financial Bancorp. Subsidiaries

EXHIBIT 21 FIRST FINANCIAL BANCORP. SUBSIDIARIES (as of 12/31/23) Name State of Other Jurisdiction of Incorporation or Organization First Financial Bank Ohio First Financial Collateral, Inc. Indiana First Financial Equipment Finance, LLC Ohio First Franchise Capital Corporation Indiana Irwin Home Equity Corporation Indiana IHE Funding Corp. II Delaware MSB Investments of Nevada, Inc. Nevada MSB Ho

Registrant's annual report to shareholders for the year ended December 31, 202

EXHIBIT 13 Glossary of Abbreviations and Acronyms First Financial Bancorp has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and the Management's Discussion and Analysis of Financial Condition and Results of Operations.

Recoupment of Compensation (Clawback) Policy

EXHIBIT 97 POLICY REGARDING RECOUPMENT OF COMPENSATION Mission Category: We are Committed to Our Shareholders Policy Type: Board of Directors Responsibility: Chief Human Resources Officer Policy Approval Level: Board of Directors Compensation Committee Effective Date: April 23, 2018 Revision Date: October 24, 2023 Policy No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934 Commission File Number 001-34762 FIRST FINANCIAL BANCORP. (Exact name of

Page 8 of 13

EX-99.A 2 d596984dex99a.htm EX-99.A EXHIBIT A AGREEMENT TO FILE JOINT ACQUISITION STATEMENTS AGREEMENT made this [7th] day of FEBRUARY, 2024 by and between Delaware Funds by Macquarie,® Optimum Fund Trust and Macquarie ETF Trust listed on Annex A hereto, Macquarie Investment Management Business Trust, Macquarie Management Holdings, Inc, and the Macquarie Parties listed on Annex B hereto (collectiv

Page 13 of 13

EX-99.B 3 d596984dex99b.htm EX-99.B EXHIBIT B Powers of Attorney for Macquarie Group Limited incorporated by reference to 13G filings made by Macquarie Group Limited on June 7, 2023. Page 13 of 13

FFBC / First Financial Bancorp. / MACQUARIE GROUP LTD - SC 13G/A Passive Investment

SC 13G/A 1 d596984dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4)* First Financial Bancorp (Name of Issuer) Common Shares (Title of Class of Securities) 320209109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to d

investor presentation • Fourth Quarter 2023 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation • Fourth Quarter 2023 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

FFBC / First Financial Bancorp. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 13)* Name of issuer: First Financial Bancorp Title of Class of Securities: Common Stock CUSIP Number: 320209109 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule pursuant to which this Schedule is fil

Regulation FD Disclosure, Financial Statements and Exhibits

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): February 13, 2024 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

FFBC / First Financial Bancorp. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 6 )* First Financial Bancorp (Name of Issuer) Common Stock (Title of Class of Securities) 320209109 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate bo

First Financial Bancorp Announces Fourth Quarter and Full Year 2023 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces Fourth Quarter and Full Year 2023 Financial Results and Quarterly Dividend •Earnings per diluted share of $0.60; $0.62 on an adjusted(1) basis •Return on average assets of 1.31%; 1.37% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.26%; 7 bp decrease from linked quarter •Loan growth of $286.4 million; 10.7% on an annualized basis •A

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): January 25, 2024 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

earnings presentation • Fourth Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

earnings presentation • Fourth Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

FFBC / First Financial Bancorp. / BlackRock Inc. Passive Investment

SC 13G/A 1 us3202091092012324.txt us3202091092012324.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 17) FIRST FINANCIAL BANCORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 320209109 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appropria

LETTER

United States securities and exchange commission logo January 12, 2024 James M. Anderson Executive Vice President and Chief Financial Officer First Financial Bancorp. 255 East Fifth Street Suite 800 Cincinnati, OH 45202 Re: First Financial Bancorp. Form 10-K for the Fiscal Year Ended December 31, 2022 File No. 001-34762 Dear James M. Anderson: We have completed our review of your filing. We remind

January 8th, 2024

January 8th, 2024 Division of Corporate Finance Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Attn: Lory Empie and Cara Lubit Re: First Financial Bancorp.

LETTER

United States securities and exchange commission logo December 22, 2023 James M. Anderson Executive Vice President and Chief Financial Officer First Financial Bancorp. 255 East Fifth Street Suite 800 Cincinnati, OH 45202 Re: First Financial Bancorp. Form 10-K for Fiscal Year Ended December 31, 2022 File No. 001-34762 Dear James M. Anderson: We have limited our review of your filing to the financia

Financial Statements and Exhibits, Other Events

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): December 5, 2023 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

investor presentation • Third Quarter 2023 Exhibit 99.1 forward looking statements disclosure Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Priv

investor presentation • Third Quarter 2023 Exhibit 99.1 forward looking statements disclosure Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other si

Regulation FD Disclosure, Financial Statements and Exhibits

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): November 13, 2023 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCI

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 24, 2023 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

earnings presentation • Third Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

earnings presentation • Third Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

First Financial Bancorp Announces Third Quarter 2023 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces Third Quarter 2023 Financial Results and Quarterly Dividend •Earnings per diluted share of $0.66; $0.67 on an adjusted(1) basis; 10% increase YoY •Return on average assets of 1.48%; 1.49% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.33%; 15 bp decrease from linked quarter •Loan growth of $96.6 million; 3.6% on an annualized basis

Regulation FD Disclosure, Financial Statements and Exhibits

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): August 15, 2023 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

investor presentation • Second Quarter 2023 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation • Second Quarter 2023 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL BA

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): July 20, 2023 FIRST FINANCIAL BAN

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): July 20, 2023 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)

First Financial Bancorp Announces Second Quarter 2023 Financial Results

Exhibit 99.1 First Financial Bancorp Announces Second Quarter 2023 Financial Results •Earnings per diluted share of $0.69; $0.72 on an adjusted(1) basis, 29% increase YoY •Return on average assets of 1.55%; 1.62% on an adjusted(1) basis •Net interest margin on FTE basis(1) of 4.48%; 7 bp decrease from linked quarter •Loan growth of $117 million; 4.5% on an annualized basis •Strong adjusted(1) fee

earnings presentation • Second Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

exh992earningsrelease2q2 earnings presentation • Second Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimate

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K {X} ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR { } TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 First Financial Bancorp 401(k) Savings

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 30, 2023 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) (

investor presentation • First Quarter 2023 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

a8k53023investpresent investor presentation • First Quarter 2023 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,”

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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): MAY 23, 2023 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) (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Content UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL B

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 20, 2023 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)

earnings presentation • First Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

exh992earningsrelease1q2 earnings presentation • First Quarter 2023 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated

First Financial Bancorp Announces First Quarter 2023 Financial Results

Exhibit 99.1 First Financial Bancorp Announces First Quarter 2023 Financial Results •Earnings per diluted share of $0.74; $0.76 on an adjusted(1) basis, 65% increase YoY •Return on average assets of 1.69%; 1.72% on an adjusted(1) basis •Record quarterly revenue of $214.9 million •Net interest margin on FTE basis(1) of 4.55%; 8 bp increase from linked quarter •Loan growth of $134.4 million; 5.3% on

ARS

2022 annual report 2018 2019 2020 2022 2021 Net Income (dollars in millions) $172.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 1

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): March 16, 2023 FIRST FINANCIAL BA

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): March 16, 2023 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)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934 Commission File Number 001-34762 FIRST FINANCIAL BANCORP. (Exact name of

First Financial Bancorp. Subsidiaries

EXHIBIT 21 FIRST FINANCIAL BANCORP. SUBSIDIARIES (as of 12/31/22) Name State of Other Jurisdiction of Incorporation or Organization First Financial Bank Ohio First Financial Collateral, Inc. Indiana First Financial Equipment Finance, LLC Ohio First Franchise Capital Corporation Indiana Irwin Home Equity Corporation Indiana IHE Funding Corp. II Delaware MSB Investments of Nevada, Inc. Nevada MSB Ho

Registrant's annual report to shareholders for the year ended December 31, 202

EXHIBIT 13 Glossary of Abbreviations and Acronyms First Financial Bancorp has identified the following list of abbreviations and acronyms that are used in the Notes to Consolidated Financial Statements and the Management's Discussion and Analysis of Financial Condition and Results of Operations.

Regulation FD Disclosure, Financial Statements and Exhibits

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): February 14, 2023 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

Page 8 of 12

EX-99.A 2 d444783dex99a.htm EX-99.A EXHIBIT A AGREEMENT TO FILE JOINT ACQUISITION STATEMENTS AGREEMENT made this 2nd day of FEBRUARY, 2021 by and between Delaware Funds® by Macquarie listed on Annex A hereto, Macquarie Investment Management Business Trust, Macquarie Management Holdings, Inc, and the Macquarie Parties listed on Annex B hereto (collectively referred to as the “parties”). WHEREAS, th

investor presentation • Fourth Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation • Fourth Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

FFBC / First Financial Bancorp / MACQUARIE GROUP LTD - SC 13G/A Passive Investment

SC 13G/A 1 d444783dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* First Financial Bancorp (Name of Issuer) Common Shares (Title of Class of Securities) 320209109 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to d

Page 12 of 12

EX-99.B 3 d444783dex99b.htm EX-99.B Exhibit 99.B EXHIBIT B Powers of Attorney for Macquarie Group Limited and Macquarie Bank Limited incorporated by reference to 13G filings made by Macquarie Group Limited and Macquarie Bank Limited on May 25, 2021. Page 12 of 12

FFBC / First Financial Bancorp / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5 )* First Financial Bancorp (Name of Issuer) Common Stock (Title of Class of Securities) 320209109 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate bo

FFBC / First Financial Bancorp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0909-firstfinancialbancorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 12)* Name of issuer: First Financial Bancorp Title of Class of Securities: Common Stock CUSIP Number: 320209109 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box t

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): January 26, 2023 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

First Financial Bancorp Announces Fourth Quarter and Full Year 2022 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces Fourth Quarter and Full Year 2022 Financial Results and Quarterly Dividend •Earnings per diluted share of $0.73 •Return on average assets of 1.63% •Net interest margin on FTE basis(1) of 4.47%; 49 bp increase from linked quarter •Loan growth of $501.5 million; 20.3% on an annualized basis •Record quarterly revenue driven by increase in net interest in

earnings presentation • Fourth Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

earnings presentation • Fourth Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expected,” “estimated,” ‘‘intends’’ and other

FFBC / First Financial Bancorp / BlackRock Inc. Passive Investment

SC 13G/A 1 us3202091092012623.txt us3202091092012623.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 16) FIRST FINANCIAL BANCORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 320209109 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropria

FFBC / First Financial Bancorp / BlackRock Inc. Passive Investment

SC 13G/A 1 us3202091092012023.txt us3202091092012023.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 15) FIRST FINANCIAL BANCORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 320209109 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropria

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): January 10, 2023 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

Regulation FD Disclosure, Financial Statements and Exhibits

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): November 7, 2022 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

investor presentation • Third Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

investor presentation ? Third Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANC

Selected Financial Information September 30, 2022 Contents Page Consolidated Financial Highlights 2 Consolidated Quarterly Statements of Income 3 Consolidated Quarterly Statements of Income 4-5 Consolidated Statements of Condition 6 Average Consolida

Exhibit 99.1 First Financial Bancorp Announces Third Quarter 2022 Financial Results ?Earnings per diluted share of $0.59; $0.61 on an adjusted(1) basis ?Return on average assets of 1.35%; 1.40% on an adjusted(1) basis ?Net interest margin on FTE basis(1) of 3.98%; 53 bp increase from linked quarter ?Loan growth of $377.0 million; 15.9% on an annualized basis ?Strong credit quality with declines in

earnings presentation • Third Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

earnings presentation ? Third Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 20, 2022 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

Regulation FD Disclosure, Financial Statements and Exhibits

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): September 6, 2022 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

investor presentation • Second Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation ? Second Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ? QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL B

Selected Financial Information June 30, 2022 Contents Page Consolidated Financial Highlights 2 Consolidated Quarterly Statements of Income 3 Consolidated Quarterly Statements of Income 4-5 Consolidated Statements of Condition 6 Average Consolidated S

Exhibit 99.1 First Financial Bancorp Announces Second Quarter 2022 Financial Results ?Earnings per diluted share of $0.55; $0.56 on an adjusted(1) basis ?Return on average assets of 1.28%; 1.31% on an adjusted(1) basis ?Net interest margin on FTE basis(1) of 3.47%; 30 bp increase from linked quarter ?Loan growth of $191.4 million, excluding PPP; 8.3% on an annualized basis ?Noninterest income of $

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): July 21, 2022 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)

earnings presentation • Second Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

earnings presentation ? Second Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K {X} ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR { } TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 First Financial Bancorp 401(k) Savings

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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): May 24, 2022 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) (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ??) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Def

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 9, 2022 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) (C

investor presentation • First Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

investor presentation ? First Quarter 2022 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ? QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 21, 2022 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)

earnings presentation • First Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

earnings presentation ? First Quarter 2022 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

First Financial Bancorp Announces First Quarter 2022 Financial Results

Exhibit 99.1 First Financial Bancorp Announces First Quarter 2022 Financial Results ?Earnings per diluted share of $0.44; $0.46 on an adjusted(1) basis ?Return on average assets of 1.03%; 1.09% on an adjusted(1) basis ?Net interest margin on FTE basis of 3.17%; 12 bp increase excluding loan fees and accretion ?Net charge-offs declined 69.3%; Provision recapture of $5.8 million Cincinnati, Ohio - A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? ? Conf

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): March 29, 2022 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)

Pledge and Security Agreement by and between First Financial Bancorp. and Stifel Bank & Trust dated as of December 29, 2021 (filed as Exhibit 10.35 to the Registrant's Annual Report on Form 10-K for the year ended December 31, 2021 and incorporated herein by reference) (File No. 001-34762).

EXHIBIT 10.35 Execution Version PLEDGE AND SECURITY AGREEMENT THIS PLEDGE AND SECURITY AGREEMENT dated as of December 29, 2021 (this ?Agreement?), is by and between FIRST FINANCIAL BANCORP., a corporation organized under the laws of the State of Ohio (the ?Pledgor?) and STIFEL BANK & TRUST (the ?Lender?). W I T N E S S E T H: WHEREAS, the Lender has extended an uncommitted credit facility to the P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934 Commission File Number 001-34762 FIRST FINANCIAL BANCORP. (Exact name of

Registrant's annual report to shareholders for the year ended December 31, 2021.

EXHIBIT 13 Annual Report 2021 Moving forward? together First First Financial Bancorp 2017 2018 2019 20212020 Net Income (dollars in millions) $172.

First Financial Bancorp. Subsidiaries

EXHIBIT 21 FIRST FINANCIAL BANCORP. SUBSIDIARIES (as of 12/31/21) Name State of Other Jurisdiction of Incorporation or Organization First Financial Bank Ohio First Financial Collateral, Inc. Indiana First Financial Equipment Finance, LLC Ohio First Franchise Capital Corporation Indiana Irwin Home Equity Corporation Indiana IHE Funding Corp. II Delaware MSB Investments of Nevada, Inc. Nevada MSB Ho

Credit Agreement by and between First Financial Bancorp. and Stifel Bank & Trust dated as of December 29, 2021 (filed as Exhibit 10.34 to the Registrant's Annual Report on Form 10-K for the year ended December 31, 2021 and incorporated herein by reference) (File No. 001-34762).*.

EXHIBIT 10.34 Execution Version CREDIT AGREEMENT by and between FIRST FINANCIAL BANCORP. and STIFEL BANK & TRUST Dated as of December 29, 2021 THIS AGREEMENT PROVIDES FOR AN UNCOMMITTED CREDIT FACILITY. ALL LOANS UNDER THE UNCOMMITTED CREDIT FACILITY ARE DISCRETIONARY ON THE PART OF THE LENDER IN ITS SOLE AND ABSOLUTE DISCRETION. 604542462.6 TABLE OF CONTENTS Page Article I DEFINITIONS AND ACCOUNT

Severance and Change in Control Agreement between Richard Dennen and First Financial Bank dated September 21, 2021

EXHIBIT 10.33 SEVERANCE AND CHANGE IN CONTROL AGREEMENT This Severance and Change in Control Agreement (the "Agreement") is made and entered into by and between Richard S. Dennen ("Executive") and First Financial Bank (the "Company"), effective as of the latest date set forth by the signatures of the parties hereto below (the "Effective Date"). RECITALS 1. The Board of Directors of the Company (th

investor presentation • Fourth Quarter 2021 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

investor presentation ? Fourth Quarter 2021 Exhibit 99.1 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

Regulation FD Disclosure, Financial Statements and Exhibits

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): February 15, 2022 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizati

FFBC / First Financial Bancorp / MACQUARIE GROUP LTD - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* First Financial Bancorp (Name of Issuer) Common Shares (Title of Class of Securities) 320209109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

KBWR / Invesco KBW Regional Banking ETF / First Financial Bancorp /oh/ - SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO ? 240.13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO ? 240.13d-2 (Amendment No. ) Invesco KBW Regional Banking ETF (Name of Issuer) ETF (Title of Class of Securities) 46138E578 (CUSIP Number) 12/31/2021 (Date of Event Which

FFBC / First Financial Bancorp / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: First Financial Bancorp Title of Class of Securities: Common Stock CUSIP Number: 320209109 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is fil

FFBC / First Financial Bancorp / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* First Financial Bancorp (Name of Issuer) Common Stock (Title of Class of Securities) 320209109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

FFBC / First Financial Bancorp / BlackRock Inc. Passive Investment

us3202091092012722.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 14) FIRST FINANCIAL BANCORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 320209109 - (CUSIP Number) December 31, 2021 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursu

earnings presentation • Fourth Quarter 2021 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the P

earnings presentation ? Fourth Quarter 2021 Exhibit 99.2 forward looking statements disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

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): January 27, 2022 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

First Financial Bancorp Announces Fourth Quarter and Full Year 2021 Financial Results and Quarterly Dividend

Exhibit 99.1 First Financial Bancorp Announces Fourth Quarter and Full Year 2021 Financial Results and Quarterly Dividend ?Earnings per diluted share of $0.50; $0.58 on an adjusted(1) basis ?Return on average assets of 1.16%; 1.34% on an adjusted(1) basis ?Closed acquisition of Summit Funding Group ?$143.6 million of commercial loan sales during the quarter ?Loan growth of $148.8 million, excludin

FFBC / First Financial Bancorp / BlackRock Inc. Passive Investment

us3202091092012522.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 13) FIRST FINANCIAL BANCORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 320209109 - (CUSIP Number) December 31, 2021 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursu

As filed with the Securities and Exchange Commission on January 10, 2022

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on January 10, 2022 Registration No.

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

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): December 29, 2021 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation) (Commission

First Financial Bank Completes Acquisition of Summit Funding Group

Exhibit 99.1 FOR IMMEDIATE RELEASE First Financial Bank Completes Acquisition of Summit Funding Group CINCINNATI, OH ? January 3, 2022 ? First Financial Bancorp. (Nasdaq: FFBC) (?First Financial?) announced today that it has completed its previously announced acquisition of Cincinnati-based Summit Funding Group, Inc. (?Summit?), the fourth largest independent equipment financing platform in the Un

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

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): December 6, 2021 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation) (Commission F

Acquisition of Summit Funding Group

Exhibit 99.2 Acquisition of Summit Funding Group 2 Certain statements contained in this report that are not statements of historical fact constitute forward - looking statements wit hin the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ''believes,'' ''anticipates,'' "likely," "expected," "estimated," ''intends'' and other similar expressio ns are intended to identi

Stock Purchase Agreement, dated as of December 6, 2021, by and among First Financial Bancorp., First Financial Bank, Summit Funding Group, Inc., the Sellers (as defined therein), and Richard L. Ross, as Sellers’ Representative (Incorporated by reference from Exhibit 2.1 to the Current Report on Form 8-K filed on December 7, 2021) (certain schedules and exhibits have been omitted pursuant to Item 601(b)(2) of Regulation S-K) (File No. 001-34762).

Exhibit 2.1 EXECUTION VERSION STOCK PURCHASE AGREEMENT by and among SUMMIT FUNDING GROUP, INC., THE SHAREHOLDERS OF SUMMIT FUNDING GROUP, INC., RICHARD L. ROSS, as the Sellers? Representative, FIRST FINANCIAL BANCORP. and FIRST FINANCIAL BANK December 6, 2021 Table of Contents Page Article I Definitions and Interpretation 1 Section 1.01. Definitions 1 Section 1.02. Other Defined Terms 14 Section 1

First Financial to Acquire Summit Funding Group

EX-99.1 3 tm2134749d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE First Financial to Acquire Summit Funding Group CINCINNATI, OH – December 7, 2021 – First Financial Bancorp. (Nasdaq: FFBC) (“First Financial”) announced today that it has entered into an agreement to acquire Cincinnati-based Summit Funding Group, Inc. (“Summit”), the fourth largest independent equipment financing plat

Regulation FD Disclosure, Financial Statements and Exhibits

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): November 9, 2021 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

Investor Presentation Third Quarter 2021 Exhibit 99.1 Forward Looking Statements Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Priv

Investor Presentation Third Quarter 2021 Exhibit 99.1 Forward Looking Statements Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other si

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ? QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANC

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 21, 2021 FIRST FINANCIAL BANCORP. (Exact name of registrant as specified in its charter) Ohio 001-34762 31-1042001 (State or other jurisdiction of incorporation or organizatio

® Earnings Presentation Third Quarter 2021 Exhibit 99.2 Forward Looking Statements Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

EX-99.2 3 exh992earningsrelease3q2.htm EX-99.2 ® Earnings Presentation Third Quarter 2021 Exhibit 99.2 Forward Looking Statements Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,”

First Financial Bancorp Announces Third Quarter 2021 Financial Results

Exhibit 99.1 First Financial Bancorp Announces Third Quarter 2021 Financial Results ?Earnings per diluted share of $0.63 and on both GAAP and adjusted(1) basis ?Return on average assets of 1.49% on both GAAP and adjusted(1) basis ?Net interest margin FTE(1) of 3.32% ?Loan growth of $74.8 million, excluding decline in PPP loans ?Provision recapture of $10.1 million ?Repurchased 2,484,295 shares dur

Investor Presentation Second Quarter 2021 Exhibit 99.1 Forward Looking Statement Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Priv

EX-99.1 2 a8k81621investpresent.htm EX-99.1 Investor Presentation Second Quarter 2021 Exhibit 99.1 Forward Looking Statement Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ‘‘believes,’’ ‘‘anticipates,’’ “likely,” “expe

Regulation FD Disclosure, Financial Statements and Exhibits

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): August 16, 2021 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

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 10-Q ? QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 FIRST FINANCIAL B

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): July 22, 2021 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)

® Earnings Presentation Second Quarter 2021 Exhibit 99.2 Forward Looking Statement Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Pr

? Earnings Presentation Second Quarter 2021 Exhibit 99.2 Forward Looking Statement Disclosure 2 Certain statements contained in this report which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as ??believes,?? ??anticipates,?? ?likely,? ?expected,? ?estimated,? ??intends?? and other

First Financial Bancorp Announces Second Quarter 2021 Financial Results

EX-99.1 2 a8k2q21earningsreleaseex991.htm EX-99.1 Exhibit 99.1 First Financial Bancorp Announces Second Quarter 2021 Financial Results •Earnings per diluted share of $0.52; $0.58 on an adjusted(1) basis •Return on average assets of 1.26%; 1.39% as adjusted(1) •Net interest margin FTE(1) of 3.31% •Provision recapture of $4.2 million •Repurchased 1,308,945 shares during the quarter Cincinnati, Ohio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C FORM 11-K {X} ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR { } TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-34762 First Financial Bancorp 401(k) Savings

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

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): May 25, 2021 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) (

Regulation FD Disclosure, Financial Statements and Exhibits

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