Making a difference. Together.

First Financial Bank committed $1.7 billion over 5 years to continue the long history of investing in local communities. The Community Investment Plan with the National Community Reinvestment Coalition, will fund lending and community investments, open eight new banking centers in low- to moderate-income, communities, increase philanthropy and establish an advisory board for governance over the term of the plan.











Overall goals and objectives include:
Increase access to banking services

Increase access to banking services

Product Innovation

Product Innovation



Increase lending to LMI borrowers & communities

Increase lending to LMI borrowers & communities

Increase community engagement & investment

Increase community engagement & investment

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The goals and objectives of the plan are well aligned with the bank’s current ALIVE strategy which focuses on providing Access to banking services, Lending in the community, Investing in the community, and Volunteerism, specifically focused on Financial Education.

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The bank implemented the initiatives below beginning January 1, 2018 and will continue over the next five years:
Mortgage Lending

$510 million in mortgage lending to low- to moderate-income communities and borrowers.

First Financial Bank is committed to provide greater access to mortgage credit, products and resources to low- to moderate-income communities and borrowers.  The bank will be increasing the number of community development mortgage loan officers to help improve awareness and access over the next five years. A $5 million dollar direct loan pool for mortgages and home improvement loans of less than $50,000 will also be established.

Small Business Lending

$750 million in small business lending in low- to moderate-income communities.

Through business banking activities First Financial Bank will be intentional to identify small business loans, as well as microloans to support this goal. Within the identified Metropolitan Statistical Area, the bank will specifically target small businesses within a five mile radius of its low- to moderate-income banking centers. Working with small business development corporations will also be a focus to identify perspective clients. 

Product Innovation

Product innovation remains at the forefront of providing access to all individuals. The Community Development team will continue working with stakeholders to identify new products that align with the varying community needs now, and in the future.

Lending & Investments

$450 million in community development lending and investments.

First Financial Bank commercial and Investment Commercial Real Estate  lending teams will be working more closely in partnership with the community development team. Together, both teams will be tasked with identifying qualified loans that focus on affordable housing, community revitalization and stabilization, as well as helping create permanent jobs benefiting low- to moderate-income areas and individuals. 


$8.5 million in philanthropy across the bank’s footprint. 

First Financial Bank established the First Financial Bank Foundation. The foundation will help identify and participate in programs with grants and sponsorships, with at least 50% of contributions going to organizations specifically supporting low- to moderate-income communities and individuals.  This represents a 97% increase in financial support to organizations.


As part of the merger announcement between First Financial Bank and MainSource Bank, First Financial also pledged $1 Million to the community of Greensburg, IN. In addition, a minimum of 100 jobs will be retained at the former headquarters of MainSource.

Branch Distribution

$25 million to in branch distribution and access for low- to moderate-income communities.

Over the next five years, First Financial Bank is committed to open eight new banking centers in Cincinnati, Dayton, and Columbus, Ohio as well as Gary and Indianapolis, IN, and Louisville, KY.

Marketing & Communications

$1 million for marketing and communications related to the promotion of community development products, services and events.


In addition to financial commitments, First Financial Bank will create a formal Supplier Diversity Program. This program is intended to help ensure 10% of our source-able spend is with women-owned, minority-owned and disability-owned businesses. 

To support the efforts around our commitments, First Financial is working with National Community Reinvestment Coalition to establish an advisory board. The advisory board will provide oversight and accountability to the plan, as well as technical and strategic advice regarding community development efforts. Together, we will define the work the bank will do to support, engage and strengthen local neighborhoods and small businesses.

In accordance with the Community Reinvestment Act (CRA), First Financial Bank is required to maintain and, upon request, make available for public inspection a complete CRA Public File, which includes information about the Bank's branch and ATM locations, our products and services, regulatory performance evaluations of our record of meeting community credit needs, and other information.

Interested parties can request to review the data provided at any of our banking centers. In addition, if a document hard copy is needed, a request can be made by emailing

We're proud to give back to the communities
in which we live and serve

The First Financial Foundation considers grant requests, focusing on positive change in our communities.

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Community Development

Sharing our resources and focusing on five key areas with our ALIVE strategy.

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