第一金融银行 2025年度报告

(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, 2025OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES ACT OF 1934Commission File Number 001-34762FIRST FINANCIAL BANCORP.(Exact name of registrant as specified in its charter) Registrant's telephone number, including area code:(877) 322-9530Securities registered pursuant to Section 12(b) of the Act: Name of each exchange on which registered Securities registered pursuant to Section 12(g) of the Act:None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.☒Yes☐No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.☐Yes☒No Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subjectto such filing requirements for the past 90 days.☒☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant toRule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and"emerging growth company" in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firmthat prepared or issued its audit report.☒If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.☐Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).☐Yes☒ No The aggregate market value of the voting stock held by non-affiliates of the registrant, computed by reference to the sales price of the lasttrade of such stock as of June30, 2025, was $2,296,993,000.(The exclusion from such amount of the market value of the shares owned by anyperson shall not be deemed an admission by the registrant that such person is an affiliate of the registrant.) As of February18, 2026, there were issued and outstanding 104,586,093 common shares of the registrant. Documents Incorporated by Reference:Portions of the registrant’s Annual Report to Shareholders for the year ended December31, 2025 (Exhibit 13) are incorporated by reference into Parts I, II and III. Portions of the registrant’s definitive Proxy Statement for the Annual Meeting of Shareholders to be held on May26, 2026 areincorporated by reference into Part III. FORM 10-K CROSS REFERENCE INDEX Part IItem 1Business1Item 1ARisk Factors13Item 1BUnresolved Staff Comments27Item 1CCybersecurity27Item 2Properties29Item 3Legal Proceedings29Item 4Mine Safety Disclosures29Supplemental Item - Executive Officers of the Registrant30Part IIItem 5Market for Registrant's Common Equity, Related Stockholder Matters and IssuerPurchases of Equity Securities32Item 6[Reserved]32Item 7Management's Discussion and Analysis of Financial Condition and Results of Operations32Item 7AQuantitative and Qualitative Disclosures about Market Risk32Item 8Financial Statements and Supplementary Data33Item 9Changes in and Disagreements with Accountants on Accounting and FinancialDisclosure33Item 9AControls and Procedures33Item 9BOther Information33Item 9CDisclosure Regarding Foreign Jurisdictions that Prevent Inspections33Part IIIItem 10Directors, Executive Officers, and Corporate Governance34Item 11Executive Compensation34Item 12Security Ownership of Certain Beneficial Owners and Management and RelatedStockholder Matters34Item 13Certain Relationships and Related Transactions and Director Indep