A 163-year-old Cincinnati acquirer that struck three deals in 13 months and converted two of them inside a year, whose technology record is integration and fraud education rather than a disclosed AI programme.
How is First Financial Bank using AI?
First Financial Bancorp, the Cincinnati parent of First Financial Bank with about $22 billion of assets and 151 banking centres across Ohio, Indiana, Kentucky and Illinois, spent 2025 and 2026 buying and integrating. CEO Archie Brown, who went seven years without a deal, engineered three in 13 months: Westfield Bancorp near Cleveland for $325 million in cash and stock (June 2025), BankFinancial in Chicago for $142 million in stock (August 2025, closed January 2026, systems converted in June 2026) and Finward Bancorp, parent of Peoples Bank in Munster, Indiana, for about $208 million in stock (July 2026), which will give the bank $4.1 billion of deposits and more than 40 branches in Chicagoland. Brown said the Chicago deals 'will give us opportunities to hold some more conversations' but that 'if this is where we've landed, it's big enough'. Second-quarter 2026 net income was $76.5 million, or $0.73 per diluted share, with record adjusted earnings of $83.9 million ($0.80), an adjusted efficiency ratio of 56.8% and an 18.0% return on tangible common equity, though adjusted fee income fell short of expectations after a record first quarter in wealth management and leasing; virtually all Westfield cost savings had been realised by 30 June and BankFinancial's were to phase in during the third quarter. On AI the bank speaks to clients rather than about itself: its 2026 annual fraud checklist tells businesses to train staff on 'current fraud trends, such as AI deepfakes and social engineering', and its commercial fraud hub offers risk-management guides. Neither the earnings calls, the 2026 10-Qs nor the releases mention an AI programme, leader, vendor or budget. Three other records go further. At a 2025 client seminar on fraud in the age of AI, chief information security officer Lance Murray said 'We are building our AI strategy', and explained that his team had blocked organisational device access to any open AI site while it did the analysis. And the 2025 10-K, filed in February 2026, carries a stand-alone risk factor on the use of 'AI, Generative AI, large language models (LLMs), and AI agents by customers, vendors and competitors', says the bank asks vendors in due diligence how they use these tools, and warns that implementing them can bring 'data leakage, model bias, decision errors, regulatory non-compliance, or ineffective governance'. The 2026 proxy statement adds that the board's Enterprise Risk and Compliance Committee oversees AI risk and that the company 'has implemented an AI governance framework'. In September 2026 the bank reorganised its top team for succession: CFO Jamie Anderson became president, and Malcolm Myers, chief information officer from 2018 and chief transformation and delivery officer since 2022, became chief operating officer. First Financial Bank is an Ohio state member bank supervised by the Federal Reserve. Treat this as a thin record for a bank whose technology capacity is consumed by conversions.
Lead bank
First Financial Bank
Assets (lead bank, Jun 30, 2026)
$22 billion
Charter
Ohio state member bank (Federal Reserve)
Headquarters
Cincinnati, OH
AI leadership
Archie Brown · Jamie Anderson · Malcolm Myers · Donnie Slavens · Lance Murray · Skip Sorg · Melissa Donovan
- No AI programme, named AI leader or budget disclosed; earnings calls, the 2026 10-Qs and releases are silent on AI.
- Three acquisitions in 13 months: Westfield Bancorp ($325 million), BankFinancial ($142 million, converted June 2026) and Finward Bancorp (about $208 million, announced July 2026).
- Post-Finward Chicagoland presence: $4.1 billion of deposits and more than 40 branches.
- Q2 2026 net income $76.5 million ($0.73 per share); record adjusted net income $83.9 million ($0.80); adjusted efficiency ratio 56.8%; ROTCE 18.0%; adjusted fee income below expectations.
- Client AI content is defensive: the 2026 fraud checklist flags AI deepfakes and social engineering.
- CEO Archie Brown: 'if this is where we've landed, it's big enough', with integration the near-term priority.
- AI strategy in progress, per the CISO: 'We are building our AI strategy' (2025 client seminar), with open AI sites blocked on bank devices while the analysis ran.
- 2025 10-K: a dedicated risk factor on AI, generative AI, LLMs and AI agents used by customers, vendors and competitors; vendors are asked in due diligence how they use these tools.
- September 2026 reshuffle: Jamie Anderson president (and still CFO); former CIO Malcolm Myers chief operating officer; Archie Brown remains CEO.
- Conversions: Westfield in March 2026, BankFinancial on 8 June 2026; Finward expected to close around year-end.
- AI language in the 10-K grew from none (FY2023) to one passage (FY2024) to a stand-alone risk factor with about 25 references (FY2025).
- Governance is ahead of deployment: the 2025 proxy said the company was 'actively exploring and implementing AI governance frameworks'; the 2026 proxy says it 'has implemented an AI governance framework'. The board's Enterprise Risk and Compliance Committee, chaired by director Gary Warzala (a former CISO of Fifth Third, PNC and Visa), oversees AI risk.
- Technology is led by chief information officer Donnie Slavens (joined 2008), whose remit includes technology strategy, infrastructure and data management; chief information security officer Lance Murray chairs the Cybersecurity ERM Committee.
- The only named AI vendor is Upstart: personal loans through its Referral Network since February 2021. No patents are assigned to First Financial Bank or First Financial Bancorp in Google Patents.
- Headcount went from 2,165 (end 2023) to 2,090 (end 2024) during a workforce-efficiency programme, then to 2,199 (end 2025) after Westfield closed on 1 November 2025.
- Finward: close expected around year-end 2026, conversion in the second quarter of 2027 and the first full quarter of savings in the fourth quarter of 2027 (CFO Jamie Anderson, Q2 2026 call).
What AI partnerships and patents does First Financial Bank have?
First Financial discloses one AI vendor relationship: it has lent through the Upstart Referral Network, an AI lending platform, since February 2021, and the two announced the expanded programme in April 2021. No AI lab, cloud AI service, data-science vendor or AI investment is named in its filings, earnings calls or releases. A Google Patents assignee search for First Financial Bank and First Financial Bancorp returned no patents or published applications assigned to either entity. The bank's filings do not describe the Upstart programme, so its current scale is not public.[27][9][16]
| Item | What it is | Status | Date |
|---|---|---|---|
| Upstart Referral Network | AI lending platform that sends qualified personal-loan applicants to a First Financial-branded application; lending began February 2021 | Announced | 2021-04-14[27] |
What has First Financial Bank done on AI, and when?
- Sep 14, 2026
- Aug 6, 2026
- Jul 22, 2026
Q2 2026 call: record adjusted earnings; Finward to close around year-end[12]
Adjusted net income $83.9 million ($0.80); 7% annualized loan growth; Westfield savings realised by 30 June, BankFinancial savings phasing in during the third quarter.
- Jul 21, 2026
- Jun 8, 2026
BankFinancial systems converted[11]
Operating systems converted and Chicagoland branches rebranded First Financial Bank; $1 million committed to the First Financial Foundation for the area.
- May 8, 2026
- Apr 27, 2026
Q1 2026 call: Westfield converted, BankFinancial closed[10]
Adjusted EPS $0.77; record wealth management and leasing income; an $8.9 million bargain-purchase gain on BankFinancial.
- Apr 23, 2026
First-quarter 2026 results[4]
Net income $74.4 million; $0.71 per share; BankFinancial closed on 1 January.
- Apr 16, 2026
2026 proxy: AI governance framework 'implemented'[16]
Covers ethical, transparent and responsible use, data governance, model risk alignment and human oversight controls; the CISO attends quarterly board risk committee meetings.
- Mar 16, 2026
Westfield Bank converted to First Financial[24]
Retail branches rebranded and the two banks' products, processes and operating systems consolidated; $500,000 committed to the First Financial Foundation for Northeast Ohio.
- Feb 19, 2026
2025 10-K: stand-alone AI risk factor[9]
AI, generative AI, LLMs and AI agents used by customers, vendors and competitors raise fraud, cyber and competitive risk; implementing them can bring data leakage, model bias and decision errors; vendors are asked how they use these tools.
- Jan 29, 2026
Q4 2025 call: record fee income; conversions set for March and June[8]
Adjusted EPS $0.80; adjusted fee income $77.3 million, the highest in company history; Westfield to convert in March and BankFinancial in June.
- Jan 8, 2026
2026 annual fraud checklist[3]
Businesses told to train staff on AI deepfakes and social engineering.
- Jan 1, 2026
- Nov 4, 2025
Q3 2025 10-Q: no AI language[20]
The quarterly report has no AI reference, three months before the 10-K added a stand-alone AI risk factor.
- Nov 1, 2025
- Oct 24, 2025
Q3 2025 call: record revenue; efficiency work 90% done[7]
Adjusted EPS $0.76 and adjusted ROTCE 19.3%; the CEO said the bank was 90% through its efficiency efforts, with expense reductions to come from the acquisitions.
- Aug 11, 2025
BankFinancial acquisition announced[2]
$142 million in stock; bigger Chicago presence.
- Aug 8, 2025
CISO: 'We are building our AI strategy'[6]
At the bank's 'Fraud in the Age of AI' client seminar (with a live deepfake demonstration), CISO Lance Murray described associates' eagerness to adopt AI and said open AI sites were blocked on bank devices while his team built the strategy.
- Jun 23, 2025
Westfield Bancorp acquisition announced[1]
$325 million in cash and stock; northeast Ohio expansion.
- Apr 17, 2025
2025 proxy: board committee oversees AI risk[17]
The Enterprise Risk and Compliance Committee oversees cyber and technology risk including AI; the company 'is actively exploring and implementing AI governance frameworks'.
- Feb 20, 2025
FY2024 10-K: first AI risk language[18]
One passage, inside the new-technology risk factor: artificial intelligence, machine learning and large language models can expose the bank to new operational risks, including to its internal controls.
- Aug 6, 2024
Lance Murray named chief information security officer[28]
Headline of the Cincinnati Business Courier report on the appointment (article not accessible without subscription).
- Feb 22, 2024
FY2023 10-K: no AI language[19]
The annual report describes a Chief Information Security and Privacy Officer and a cyber committee structure but does not mention artificial intelligence.
Where does First Financial Bank use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Serial acquisition conversions[31][5][10] | Westfield converted in March 2026, with its cost savings virtually all realised by 30 June; BankFinancial converted in June 2026, with savings phasing in during the third quarter; Finward next. | In production | Third-party & vendor AI |
| Commercial fraud education including AI deepfakes[3] | Annual checklist and commercial fraud hub for business clients. | In production | Fraud detection |
| No disclosed AI deployment[5] | No AI reference in investor materials. | Announced | AI governance (general) |
| AI strategy under construction; open AI sites blocked[6] | The CISO's team is building the AI strategy by asking for each proposal the business case, the use case, who manages it and where the data goes, with organisational device access to open AI sites blocked meanwhile. | Announced | AI governance (general) |
| AI risk-factor disclosure[9] | A stand-alone 10-K risk factor on AI, generative AI, LLMs and AI agents, plus AI in the technology risk factor: data leakage, model bias, decision errors, regulatory non-compliance and ineffective governance. | In production | Model risk management |
| Vendor AI due diligence[9] | In vendor due diligence the bank requests detailed information on how the vendor uses AI tools and seeks to limit exposure by contract. | In production | Third-party & vendor AI |
| Board-level AI governance framework[16][17] | The 2026 proxy says the company has implemented an AI governance framework for ethical, transparent and responsible use, managing data governance, model risk alignment and human oversight controls; the board's Enterprise Risk and Compliance Committee oversees it. The 2025 proxy had described frameworks as being explored and implemented. | In production | AI governance (general) |
| AI-enabled attack risk under the Cybersecurity ERM Committee[9][16] | The 10-K warns that AI tools can raise the sophistication and speed of cyberattacks and fraud. The CISO chairs the Cybersecurity ERM Committee, which presents quarterly to the management and board risk committees; tools include simulated phishing, incident-response tabletops and annual audit. | In production | Cybersecurity |
| AI fraud seminars for business clients[6][26] | The bank's 'Fraud in the Age of AI' seminar combined a live deepfake demonstration with a panel of the CISO, a Clark Schaefer Hackett IT-risk shareholder and a Secret Service agent, moderated by the director of enterprise fraud. The commercial fraud hub lists 'AI and deepfakes' among four fraud trends. | In production | Fraud detection |
| Vendor-risk committee with annual and monthly cyber diligence[9] | An ad hoc committee of the CISO, chief risk officer, chief compliance officer, vendor management and enterprise risk staff reviews vendor diligence. Critical vendors that handle customer personal data get an annual technology and controls review and monthly monitoring of outward-facing security. | In production | Third-party & vendor AI |
| Upstart Referral Network personal loans[27] | From February 2021 the bank has lent through the Upstart Referral Network, whose AI lending platform sends qualified applicants to a First Financial-branded application; the programme was announced in April 2021. The bank's own filings do not describe it, and no 2026 status appears in an allowed source. | Announced | Credit scoring & underwriting |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
What has First Financial Bank disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Q2 2026 net income / diluted EPS | $76.5 million / $0.73[5] | Jul 21, 2026 |
| Adjusted efficiency ratio / ROTCE, Q2 2026 | 56.8% / 18.0%[5] | Jul 21, 2026 |
| Finward Bancorp acquisition | ≈ $208 million in stock; $2 billion assets[31] | Jul 21, 2026 |
| Chicagoland after Finward | $4.1 billion deposits; 40+ branches[31] | Jul 22, 2026 |
| Q2 2026 adjusted net income / EPS / ROTCE | $83.9 million / $0.80 / 19.7%[12] | Jun 30, 2026 |
| Adjusted fee income, Q4 2025 (company record) | $77.3 million[8] | Dec 31, 2025 |
| AI references in the 10-K, FY2023 / FY2024 / FY2025 | none / 1 passage / about 25[19][18][9] | Feb 19, 2026 |
| Employees at year end, 2023 / 2024 / 2025 | 2,165 / 2,090 / 2,199[19][18][9] | Dec 31, 2025 |
| Full-service banking centres, 31 Dec 2025 / 30 Jun 2026 | 134 / 151[9][25] | Jun 30, 2026 |
| Assets / loans / deposits, 30 June 2026 | $22.4 billion / $13.7 billion / $17.6 billion[25] | Jun 30, 2026 |
| BankFinancial planned cost saves | 45% of its $41.5 million 2024 operating expenses[2] | Aug 11, 2025 |
| Finward conversion and full-savings timing | Conversion Q2 2027; first full quarter of savings Q4 2027[30] | Jul 22, 2026 |
| Board Enterprise Risk and Compliance Committee meetings in 2025 | 4[16] | Dec 31, 2025 |
“We think there's more to do, but I think if this is where we've landed, it's big enough.”[31]
Archie Brown · President and CEO · Jul 22, 2026
“We are building our AI strategy. We are asking ourselves, 'What will be the business case, the use case? Who is going to manage it? Where is the data going?'”[6]
Lance Murray · Chief Information Security Officer · Aug 8, 2025
“The Company is actively exploring and implementing AI governance frameworks to ensure ethical, transparent, and responsible use of AI technologies, while managing associated risks.”[17]
First Financial Bancorp · 2025 proxy statement, risk and cybersecurity · Apr 17, 2025
“The Company has implemented an AI governance framework to ensure ethical, transparent, and responsible use of AI technologies, while managing associated risks like data governance, model risk alignment, and human oversight controls.”[16]
First Financial Bancorp · 2026 proxy statement, risk and cybersecurity · Apr 16, 2026
“Implementation of certain new technologies, such as AI, Generative AI, LLMs, AI agents and similar technologies, can expose us to new or increased operational risks, including risks related to data leakage, model bias, decision errors, regulatory non-compliance, or ineffective governance or internal controls.”[9]
First Financial Bancorp · 2025 Form 10-K, risk factors · Feb 19, 2026
“I don't have to fool every one of you. I just have to fool one of you.”[6]
Jon Waldo · Commercial Banking Regional Market President, Western Ohio, First Financial Bank · Aug 8, 2025
“I think we had a pretty flat organization. We just realized we've got to have some of these responsibilities shared with more of the executives.”[14]
Archie Brown · Chief Executive Officer · Sep 22, 2026
Who runs AI at First Financial Bank?
Jamie AndersonLinkedIn ↗
President and Chief Financial Officer (from September 2026; previously CFO and COO)[5][13][14]
Malcolm MyersLinkedIn ↗
Chief Operating Officer (from September 2026); Chief Transformation and Delivery Officer 2022–2026; Chief Information Officer 2018–2022 (and of MainSource from 2012)[13]
Donnie Slavens
Chief Information Officer (technology strategy, infrastructure, data management and enterprise technology operations; joined the bank in 2008)[15]
Lance MurrayLinkedIn ↗
Chief Information Security Officer (Chief Information Security and Privacy Officer in the 10-K); chairs the Cybersecurity ERM Committee[6][16][9][28]
Skip Sorg
Chief Risk Officer (per the bank's leadership page; chief risk officers chair the Enterprise Risk Management Committee and sit on the vendor-risk committee)[15][16][9]
Melissa Donovan
Director of Enterprise Fraud; moderated the bank's 'Fraud in the Age of AI' seminar[6]
What AI roles is First Financial Bank hiring for?
Data as of · 0 AI-titled postings · read from First Financial Bank's own careers site, re-checked weekly
No open AI-titled postings on First Financial Bank's careers site as of Oct 25, 2026. A snapshot of current openings, not a source: postings close. Compare with other banks on which banks are hiring for AI.
Which regulators govern First Financial Bank's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| Federal Reserve | First Financial Bank is a state member bank; Fed model-risk and third-party guidance govern conversions and any AI adoption. | SR 11-7 SR 23-4 |
| CFPB | Consumer and small-business products bring adverse-action and UDAAP duties to any automated decisioning. | ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9) |
| FDIC | Deposit-insurance supervision and interagency third-party guidance apply to vendor platforms across acquired banks. | FDIC FIL-29-2023 |
Side by side: SR 11-7 vs SR 26-2 · PRA SS1/23 vs SR 26-2 · MAS AI Risk Management Guidelines vs SR 26-2 · OCC vs CFPB on AI lending · all comparisons.
What does the public record suggest about First Financial Bank's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Three conversions in a year is the technology story
Integration discipline at this pace is rare; it is also why no AI programme has surfaced, and the pause after Finward is the window.
02
Fee businesses are where AI would show
Wealth, client-derivative and leasing businesses, which set records in early 2026, are data-rich lines where analytics pay before core banking does.
03
Fraud guidance to clients invites fraud tooling
Warning clients about AI deepfakes while disclosing no detection capability is a gap peers are closing.
04
Acquired banks bring acquired models
A consolidated model inventory across Westfield, BankFinancial and Finward will be an exam expectation.
Where does the First Financial Bank record go deeper?
Which leader rankings does First Financial Bank appear in?
1 of the computed leaders rankings include First Financial Bank, each ranked from the same sourced bank pages.
How does First Financial Bank compare with its peers?
- How does First Financial Bancorp compare with its peers on AI and technology?
- First Financial Bancorp competitors and alternatives, by business line
Its peer group on this site, by business model and size:
Does First Financial Bank use AI?
First Financial Bancorp has not disclosed an AI programme, named AI leader or budget; its only named AI vendor is Upstart, whose referral network has fed its personal loans since 2021. Its AI-related content is client education, including a 2026 fraud checklist that warns businesses about AI deepfakes and social engineering. Its chief information security officer, Lance Murray, told a 2025 client seminar that the bank was 'building our AI strategy' and had blocked open AI sites on its devices meanwhile, and its 2025 10-K carries a stand-alone AI risk factor and describes asking vendors how they use AI tools.
Who leads AI at First Financial Bank?
First Financial Bancorp names no head of AI, chief data officer or chief AI officer. Ownership sits with technology and risk leaders. Donnie Slavens, chief information officer, leads technology strategy, infrastructure and data management. Lance Murray, chief information security officer, chairs the Cybersecurity ERM Committee and said in 2025 that his team was 'building our AI strategy'. Malcolm Myers, chief information officer from 2018 to 2022, became chief operating officer on 14 September 2026. The board's Enterprise Risk and Compliance Committee, chaired by director Gary Warzala, oversees AI risk, and the 2026 proxy says an AI governance framework is in place.
Who runs technology at First Financial Bank?
Donnie Slavens is chief information officer; he joined the bank in 2008 and leads technology strategy, infrastructure, data management and enterprise technology operations. Malcolm Myers, chief information officer from 2018 to 2022 and chief transformation and delivery officer from February 2022, became chief operating officer on 14 September 2026. Cybersecurity is overseen by chief information security officer Lance Murray, who has spoken publicly about the bank's AI strategy. Jamie Anderson became president (keeping the CFO title) on the same day; Archie Brown remains CEO.
Does First Financial Bank have an AI governance framework?
Yes, according to its 2026 proxy statement, which says the company 'has implemented an AI governance framework' covering ethical, transparent and responsible use, with data governance, model risk alignment and human oversight controls. A year earlier the 2025 proxy said it was 'actively exploring and implementing' such frameworks. The board's Enterprise Risk and Compliance Committee oversees AI risk, and the chief information security officer chairs the Cybersecurity ERM Committee and attends the quarterly meetings of both the management and board risk committees. The framework itself, an AI owner and any AI use case beyond client fraud education are not published.
How has First Financial's AI disclosure changed since 2023?
The FY2023 10-K, filed in February 2024, has no AI reference. The FY2024 10-K (February 2025) adds one passage on artificial intelligence, machine learning and large language models inside a new-technology risk factor. The FY2025 10-K (February 2026) carries a stand-alone AI risk factor and about 25 references, covering AI agents, vendor due diligence and fraud. The proxy moved from 'actively exploring and implementing AI governance frameworks' in April 2025 to 'has implemented' in April 2026. The 10-Qs for the first two quarters of 2026 and the earnings calls since October 2025 contain no AI language.
What acquisitions has First Financial made?
Three in 13 months: Westfield Bancorp near Cleveland for $325 million, BankFinancial in Chicago for $142 million (closed January 2026, converted June 2026) and Finward Bancorp, parent of Peoples Bank in Munster, Indiana, for about $208 million in stock, announced July 2026.
- First Financial Bancorp to acquire Ohio bank in $325M deal
- Ohio's First Financial strikes deal to get bigger in Chicago
- 2026 Annual Fraud Checklist
- First Financial Bancorp Announces First Quarter 2026 Financial Results
- First Financial Bancorp Announces Second Quarter 2026 Financial Results, Quarterly Dividend Increase & Acquisition of Finward Bancorp
- Fighting fraud in the age of AI: A First Financial Bank seminar
- First Financial Bancorp (FFBC) Q3 2025 Earnings Call Highlights: Record Revenue and Strategic ...
- First Financial Bancorp. Q4 Earnings Call Highlights
- First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- First Financial Bancorp. Q1 Earnings Call Highlights
- First Financial Completes Conversion of BankFinancial
- First Financial Bancorp. Q2 Earnings Call Highlights
- First Financial Bancorp. Form 8-K (Item 5.02: appointment of President, Chief Banking Officer and Chief Operating Officer)
- After year of rapid growth, Ohio bank revamps its top ranks
- Leadership Team
- First Financial Bancorp. 2026 Proxy Statement (DEF 14A)
- First Financial Bancorp. 2025 Proxy Statement (DEF 14A)
- First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2024
- First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2023
- First Financial Bancorp. Quarterly Report on Form 10-Q for the quarter ended September 30, 2025
- First Financial Bancorp. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
- First Financial Bancorp. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- First Financial Bancorp. Form 8-K (completion of the Westfield Bancorp acquisition; Item 3.02)
- First Financial Completes Conversion of Westfield Bank
- First Financial Bank Announces Leadership Promotions Designed to Strengthen its Future
- Commercial fraud and online safety resource center
- First Financial Bank Launches Personal Loans Powered by Upstart
- First Financial Bank names Murray chief information security officer
- Earnings call transcript: First Financial Bancorp Q1 2026 beats earnings expectations
- Earnings call transcript: First Financial Bancorp posts Q2 2026 profit beat
- Cincinnati's First Financial strikes third deal in 13 months
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