Slide 1: Investor Presentation Fourth Quarter 2025
investor presentation • Fourth Quarter 2025 Exhibit 99.1
Slide 2: Forward looking statements disclosure
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,” “ex
Slide 3: Forward looking statements disclosure
forward looking statements disclosure 3 • financial services reform and other current, pending or future legislation or regulation that could have a negative effect on our revenue and businesses, including the Dodd-Frank Act and other legislation and regulation relating to bank products and services
Slide 4: Presentation contents
About First Financial Bancorp Acquisitions Financial Performance Appendix presentation contents 4
Slide 5: Our franchise
our franchise Commercial C&I, O-CRE, Treasury, ABL, ESOP, Equipment Finance, Bannockburn Global Forex Retail Banking Consumer, Small Business Mortgage Banking NASDAQ: FFBC Headquarters: Cincinnati, Ohio Founded: 1863 Banking Centers: 1341 Employees: 2,1641 Market Cap (12/31/25): $2.5B Dividend Yield
Slide 6: Key investment highlights
key investment highlights ✓ Proven & sustainable business model for more than 160 years o Conservative operating philosophy with 141 consecutive quarters of profitability o Well managed through past credit cycles ✓ Premier Midwest franchise with top quartile profitability o Top quartile ROA, ROATCE,
Slide 7: A long history of growth
$21.1B $6.4B $7.2B $8.1B $8.4B $8.9B $14.0B $14.5B $16.0B $16.3B $17.0B $17.5B $18.6B $22.5B 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 4Q25 Total Assets ($B) a long history of growth 7 2014 First Financial acquires Insight Bank, First Bexley Bank and The Guernsey Bank (Combined ass
Slide 8: A top quartile performer
a top quartile performer 8 Top Quartile & Diversified Profitability Liquid Balance Sheet With Strong Credit and Capital Indicates 3Q25 Peer Top Quartile Indicates 3Q25 Peer Median 1 First Financial’s ratios are non-GAAP financial measures which management believes facilitate a better understanding o
Slide 9: Consistent best-in-class earnings
1-Year 3-Year 5-Year 10-Year 17.1% 14.8% 95% Percentile Rank 1.29% 1.24% 82% Percentile Rank FFBC KRX Median1 14% 58% Percentile Rank 16% 6% 70% Percentile Rank 79% Percentile Rank 7% 64% Percentile Rank 8% 2%9% 11% 20.5% 15.6% FFBC Top Quartile1 1.40% 88% Percentile Rank 1.30% 1.43% 1.23% 90% Perce
Slide 10: Key company brands
key company brands Full suite of diversified financial products for individuals and businesses $21.1 Billion Assets $16.4 Billion Deposits Diversified financial holding company with comprehensive and innovative solutions for individuals and businesses Wealth & asset management services for individua
Slide 11: Complementary market centric strategies
Note: Financial data as of 12/31/25. Greater Cincinnati/Dayton loan and deposit balances include large public fund relationships, special assets, loan marks, and other out of market and corporately held balances. complementary market centric strategies Loans $5.0B / Deposits $4.0B Loans $1.9B / Depo
Slide 12: Diversified lines of business
The number of Trust & Investments and RPS relationships are updated as of 9/30/22. All other data as of 12/31/22. diversified lines of business 12 Note: Data as of 12/31/25 and excludes the impact of Westfield Bank and BankFinancial acquisitions.
Slide 13: Revenue growth strategies
revenue growth strategies Distribution Technology Talent Product & Pricing • Regional pricing strategy • Treasury Management product investments • Investments in Product Management DefinedModels Enterprise Data Management • Investment in data warehouse • Enabling data as a strategic asset • Connecti
Slide 14: Presentation contents
About First Financial Bancorp Acquisitions Financial Performance Appendix presentation contents 14
Slide 15: Overview of Westfield – closed 11/1/25
15 overview of Westfield – closed 11/1/25 Westfield Bank Lines of Business • Commercial Banking / Treasury Management • Agency Banking and Premium Finance • Registered Investment Advisor Banking • Consumer - Mortgage• Consumer - Retail • Private Banking $2.1B in assets Consolidated Financial Highlig
Slide 16: Transaction highlights
16 transaction highlights Strategically Compelling • Accelerates entry into Northeast Ohio. • Provides attractive deposit base, branch network and commercial client base in a market with limited acquisition targets. • Adds talented staff in Retail, Commercial, Mortgage and Private Banking. • Adds ta
Slide 17: Overview of BankFinancial – closed 1/1/26
17 overview of BankFinancial – closed 1/1/26 Key franchise highlights Financial summary Balance Sheet & Capital (As of 4Q25 Unless Otherwise Stated, %) 46Cash & Securities / Assets 58Loan / Deposit Ratio 78Non-Time Deposit Composition 11.2TCE / TA 21.1CET1 Ratio1 (0.01)NCOs / Avg. Loans (MRQ, annual
Slide 18: Transaction highlights
18 transaction highlights ✓ Expected enhanced pro forma earnings per share ✓ Expected robust pro forma profitability ✓ Acquisition of a low cost, granular core deposit franchise with $1.5Bn of assets and +100 year presence in Chicago market ✓ Complementary to existing Northwest Indiana presence, Chi
Slide 19: Key transaction assumptions
key transaction assumptions BankFinancial 19 Key Merger Assumptions Fair Value Adjustments Other • Cost Savings – Approximately 45% of BankFinancial’s annual operating expense ‒ 75% phase-in during 2026 and 100% in 2027 and thereafter • One-Time Merger Expenses – $25 million pre-tax; fully reflected
Slide 20: Presentation contents
About First Financial Bancorp Acquisitions Financial Performance Appendix presentation contents 20
Slide 21: 4Q 2025 results
4Q 2025 results 141st Consecutive Quarter of Profitability 21 • EOP assets increased $2.6 billion compared to the linked quarter to $21.1 billion; $2.1 billion from Westfield • EOP loans increased $1.7 billion compared to the linked quarter to $13.4 billion; $1.6 billion from Westfield • Average dep
Slide 22: 4Q 2025 highlights
4Q 2025 highlights • Record adjusted1 quarterly earnings driven by robust net interest margin • Adjusted1 earnings per share – $0.80 • Adjusted1 return on assets – 1.52% • Adjusted1 pre-tax, pre-provision return on assets – 2.14% • Adjusted1 return on average tangible common equity – 20.3% • $300.0
Slide 23: 4Q 2025 highlights
4Q 2025 highlights • Noninterest income of $64.8 million; $77.3 million as adjusted1 • Record wealth management income increased 26.4% to $9.3 million • Record foreign exchange income increased 36.2% to $22.7 million • Leasing business income remains strong at $19.5 million • Adjusted1 noninterest e
Slide 24: Adjusted net income
adjusted net income1 24 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. All dollars shown in thousands, except per share amounts The table below lists certain adjustments that t
Slide 25: Profitability
profitability 25 Return on Average Assets Return on Avg Tangible Common Equity Diluted EPS 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. Adjusted1 Pre-tax, Pre-Provision Earnin
Slide 26: Net interest income & margin
net interest income & margin 26 4Q25 NIM (FTE) Progression Net Interest Income All dollars shown in millions 1 1 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. 1 3.82%3.89%3.95%
Slide 27: Noninterest income
noninterest income 27 Noninterest Income 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliations. 2 Excludes $12.6 million of losses on investment securities 4Q25 Highlights • Record adj
Slide 28: Noninterest expense
noninterest expense 28 Noninterest Expense 4Q25 Highlights 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company' Company’s financial condition. See Appendix for Non-GAAP reconciliations. All dollars shown in millions • Adjusted1 noninterest expense
Slide 29: Average balance sheet
average balance sheet 29 Average Securities All dollars shown in millions 1 Includes loans fees and loan accretion $3,989$3,552$3,479$3,412$3,373 4.31%4.31% 4.44% 4.35% 4.28% 4Q253Q252Q251Q254Q24 Investment Securities Investment Securities Yield $15,959$14,512$14,355$14,241$14,340 1.96%2.13%2.11% 2.
Slide 30: Deposits
deposits 30 Deposit Product Mix (Avg) 4Q25 Average Deposit Progression All dollars shown in millions Total growth/(decline): $1.447 billion Noninterest- bearing $3,314 21% Interest-bearing demand $1,965 12% Savings $1,007 6% Money Market $3,957 25% Retail CDs $2,167 14% Brokered Deposits $1,432 9% P
Slide 31: Average deposit trends
average deposit trends1 31 1 Excludes impact from Westfield All dollars shown in millions Business Public Funds Personal $6,656$6,684$6,696$6,665$6,520 4Q253Q252Q251Q254Q24 $4,457$4,307$4,163$4,190$4,207 4Q253Q252Q251Q254Q24 $2,133$2,009$2,151$2,066$2,129 4Q253Q252Q251Q254Q24 Uninsured deposits (per
Slide 32: Borrowing capacity & cash/investment liquidity
32 Borrowing Capacity • Interest-bearing deposits with other banks of $597 million • Investment securities portfolio: • 98.5% of investment portfolio classified as available-for-sale • $751.6 million of expected cash flow from securities portfolio in next 12 months • $393.4 million of floating rate
Slide 33: Loan portfolio
loan portfolio 33 Loan LOB Mix (EOP) Net Loan Change-LOB (Linked Quarter) All dollars shown in millions Total growth/(decline): $1.710 billion ICRE $3,761 28% Commercial & Small Business Banking $3,905 29% Oak Street $1,200 9% Summit $1,039 8% Agile $286 2% Consumer $1,244 9% Mortgage $1,989 15% Tot
Slide 34: Loan concentrations
loan concentrations 34 C&I and Owner Occupied CRE Loans by Sector1 Investor CRE Loans by Property Type All dollars shown in millions 1 Excludes Agile Premium Finance NAICS Sector 12/31/25 % of Total Loans Finance and Insurance $1,129.9 8.4% Uncoded 869.2 6.5% Manufacturing 560.7 4.2% Construction 40
Slide 35: Allowance for credit losses
allowance for credit losses 35 4Q25 Highlights All dollars shown in millions • $206.7 million combined ACL; $10.1 million combined provision expense • $186.5 million ACL – loans and leases; $23.7 million related to Westfield; • ACL 1.39% of total loans • Utilized Moody’s December baseline forecast i
Slide 36: Asset quality
asset quality 36 Classified Assets / Total Assets . 1 Provision includes both loans & leases and unfunded commitments All dollars shown in millions Nonperforming Assets / Total Assets Net Charge Offs & Provision Expense1 $11.7 $10.5 $6.0 $5.2 $8.8 $9.4 $8.7 $9.8 $9.1 $10.1 0.27% 0.18%0.21% 0.36% 0.4
Slide 37: Capital
capital 37 Tangible Common Equity Ratio 12/31 Risk Weighted Assets = $15,890,363 All capital numbers are considered preliminary. 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP reconciliation. A
Slide 38: Capital strategy
capital strategy 38 Strategy & DeploymentTangible Book Value Per Share • 4.0% annualized dividend yield as of December 31st • 40% of 4Q25 earnings returned to shareholders through common dividend • Most recent internal stress testing indicates capital ratios above regulatory minimums in all modeled
Slide 39: Outlook commentary
outlook commentary1 • Loan balances expected to increase low single digits on an annualized basis in the near-term, excluding BankFinancial • Core deposit balances expected to modestly decline, with seasonal outflows expected • $1.3 billion of earning assets expected in BankFinancial acquisition 39
Slide 40: Presentation contents
About First Financial Bancorp Acquisitions Financial Performance Appendix presentation contents 40
Slide 41: Appendix: our markets
appendix: our markets • Greater Cincinnati/Dayton • Loans $4.7 billion • Deposits $7.9 billion • Deposit Market Share #4 (3.4%) • Banking Centers 46 • Fortune 500 Companies 7 • Indianapolis • Loans $1.0 billion • Deposits $0.5 billion • Deposit Market Share #14 (1.2%) • Banking Centers 7 • Fortune 5
Slide 42: Non-GAAP financial information
The Company’s Investor Presentation contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (GAAP). Such non-GAAP financial information should be considered supplemental to, and not as a substitute for,
Slide 43: Appendix: non-GAAP to GAAP reconciliation
appendix: non-GAAP to GAAP reconciliation 43 All dollars shown in thousands Net interest income and net interest margin - fully tax equivalent Dec. 31, Sep. 30, June 30, Mar. 31, Dec. 31, 2025 2025 2025 2025 2024 Net interest income 173,995$ 160,486$ 158,269$ 149,296$ 154,399$ Tax equivalent adjustm
Slide 44: Appendix: non-GAAP to GAAP reconciliation
appendix: non-GAAP to GAAP reconciliation 44 All dollars shown in thousands Additional non-GAAP ratios Dec. 31, Sep. 30, June 30, Mar. 31, Dec. 31, (Dollars in thousands, except per share data) 2025 2025 2025 2025 2024 Net income (a) 62,393$ 71,923$ 69,996$ 51,293$ 64,885$ Average total shareholders
Slide 45: Appendix: non-GAAP to GAAP reconciliation
appendix: non-GAAP to GAAP reconciliation 45 All dollars shown in thousands Additional non-GAAP measures 2Q25 1Q25 As Reported Adjusted As Reported Adjusted As Reported Adjusted As Reported Adjusted Net interest income (f) 173,995$ 173,995$ 160,486$ 160,486$ 158,269$ 158,269$ 149,296$ 149,296$ Provi
Slide 46: First Financial Bancorp
First Financial Bancorp First Financial Center 255 East Fifth Street Cincinnati, OH 45202