FFBC (First Financial Bancorp) Effective Interest Rate on Debt %: 33.90% (As of Mar. 2026)

First Financial Bancorp  (NAS:FFBC) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

First Financial Bancorp Effective Interest Rate on Debt % Related Terms

The historical data trend for First Financial Bancorp's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Financial Bancorp Effective Interest Rate on Debt % Chart

First Financial Bancorp Annual Data
	Trend	Dec16	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
Effective Interest Rate on Debt %		Get a 7-Day Free Trial					6.24	5.76	18.88	32.71	31.40

First Financial Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															32.42	32.23	38.89	36.42	33.90

FFBC vs MCHB, CBU, BKU: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, First Financial Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

First Financial Bancorp Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, First Financial Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where First Financial Bancorp's Effective Interest Rate on Debt % falls into.

First Financial Bancorp Effective Interest Rate on Debt % Calculation

First Financial Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

where

First Financial Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

where

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

First Financial Bancorp Business Description