Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 4.24% is 33% below its 5-year average of 6.35%, near the low end of its 5-year range (3.15%–9.61%).
As of the fiscal period ended Tuesday, June 30, 2026. 11.15% below its 12-month average of 4.78%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 4.24%.
DEBT TO ASSETS RATIO
4.24%
DEBT TO ASSETS RATIO AVG TTM
4.78%
DEBT TO ASSETS RATIO AVG 3Y
6.29%
DEBT TO ASSETS RATIO AVG 5Y
6.35%
DEBT TO ASSETS RATIO AVG 10Y
8.27%
DEBT TO ASSETS RATIO AVG 15Y
8.62%
DEBT TO ASSETS RATIO AVG 20Y
8.28%
CURRENT VS TTM AVG
-11.15%
CURRENT VS 3Y AVG
-32.49%
CURRENT VS 5Y AVG
-33.13%
CURRENT VS 10Y AVG
-48.66%
CURRENT VS 15Y AVG
-50.75%
CURRENT VS 20Y AVG
-48.73%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+8389.87%
vs the sector median at left
First Financial Bancorp.
Market Cap
$3.29B
Debt to Assets Ratio
4.24%
TTM Avg
4.78%
3Y Avg
6.29%
5Y Avg
6.35%
Market Cap
$3.28B
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.23B
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.36B
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.18B
Debt to Assets Ratio
0.54%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.15B
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Bancorp. (FFBC) | $3.29B | 4.24% | 4.78% | 6.29% | 6.35% |
| Mechanics Bank (MCHB)vs › | $3.28B | 0.01% | N/A | N/A | N/A |
| Simmons First National Corporation (SFNC)vs › | $3.28B | 0.05% | N/A | N/A | N/A |
| TowneBank (TOWN)vs › | $3.26B | 0.02% | N/A | N/A | N/A |
| iShares Core 80/20 Aggressive Allocation ETF (AOA)vs › | $3.23B | N/A | N/A | N/A | N/A |
| Palomar Holdings, Inc. (PLMR)vs › | $3.36B | 0.07% | N/A | N/A | N/A |
| Golub Capital BDC, Inc. (GBDC)vs › | $3.18B | 0.54% | N/A | N/A | N/A |
| CleanSpark, Inc. (CLSK)vs › | $3.15B | 0.66% | N/A | N/A | N/A |
| Seacoast Banking Corporation of Florida (SBCF)vs › | $3.15B | 0.06% | N/A | N/A | N/A |
| CVB Financial Corp. (CVBF)vs › | $3.14B | 0.05% | N/A | N/A | N/A |
Debt/Assets
4.2%
Debt/Equity
0.32
Current ratio and interest coverage is unavailable for First Financial Bancorp.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 4.24% |
| 2026-03-31 | 4.09% |
| 2025-12-31 | 5.63% |
| 2025-09-30 | 4.40% |
| 2025-06-30 | 5.53% |
| 2025-03-31 | 6.21% |
| 2024-12-31 | 5.94% |
| 2024-09-30 | 6.37% |
| 2024-06-30 | 8.35% |
| 2024-03-31 | 6.85% |
| 2023-12-31 | 7.31% |
| 2023-09-30 | 7.71% |
| 2023-06-30 | 9.11% |
| 2023-03-31 | 9.21% |
| 2022-12-31 | 9.61% |
| 2022-09-30 | 9.12% |
| 2022-06-30 | 7.72% |
| 2022-03-31 | 3.53% |
| 2021-12-31 | 4.32% |
| 2021-09-30 | 3.15% |
| 2021-06-30 | 4.90% |
| 2021-03-31 | 3.06% |
| 2020-12-31 | 3.18% |
| 2020-09-30 | 4.44% |
| 2020-06-30 | 3.96% |
| 2020-03-31 | 11.44% |
| 2019-12-31 | 11.93% |
| 2019-09-30 | 11.83% |
| 2019-06-30 | 12.89% |
| 2019-03-31 | 11.32% |
| 2018-12-31 | 11.52% |
| 2018-09-30 | 13.47% |
| 2018-06-30 | 11.92% |
| 2018-03-31 | 9.31% |
| 2017-12-31 | 10.50% |
| 2017-09-30 | 11.22% |
| 2017-06-30 | 13.87% |
| 2017-03-31 | 11.47% |
| 2016-12-31 | 10.99% |
| 2016-09-30 | 12.50% |
| 2016-06-30 | 14.86% |
| 2016-03-31 | 13.30% |
| 2015-12-31 | 12.99% |
| 2015-09-30 | 11.21% |
| 2015-06-30 | 10.25% |
| 2015-03-31 | 8.82% |
| 2014-12-31 | 9.83% |
| 2014-09-30 | 13.22% |
| 2014-06-30 | 13.35% |
| 2014-03-31 | 13.78% |
| 2013-12-31 | 12.61% |
| 2013-09-30 | 10.95% |
| 2013-06-30 | 11.06% |
| 2013-03-31 | 11.14% |
| 2012-12-31 | 10.77% |
| 2012-09-30 | 7.16% |
| 2012-06-30 | 5.17% |
| 2012-03-31 | 2.41% |
| 2011-12-31 | 2.64% |
| 2011-09-30 | 2.72% |
| 2011-06-30 | 3.44% |
| 2011-03-31 | 3.35% |
| 2010-12-31 | 3.35% |
| 2010-09-30 | 3.39% |
| 2010-06-30 | 6.72% |
| 2010-03-31 | 6.90% |
| 2009-12-31 | 6.93% |
| 2009-09-30 | 7.32% |
| 2009-06-30 | 12.91% |
| 2009-03-31 | 13.65% |
| 2008-12-31 | 12.61% |
| 2008-09-30 | 13.86% |
| 2008-06-30 | 10.97% |
| 2008-03-31 | 4.51% |
| 2007-12-31 | 4.89% |
| 2007-09-30 | 5.32% |
| 2007-06-30 | 5.32% |
| 2007-03-31 | 5.51% |
| 2006-12-31 | 5.80% |
| 2006-09-30 | 5.81% |
| 2006-06-30 | 5.73% |
| 2006-03-31 | 5.94% |
| 2005-12-31 | 11.63% |
| 2005-09-30 | 10.87% |
| 2005-06-30 | 12.30% |
| 2005-03-31 | 11.61% |
| 2004-12-31 | 13.01% |
| 2004-09-30 | 15.97% |
| 2004-06-30 | 16.08% |
| 2004-03-31 | 14.82% |
| 2003-12-31 | 15.47% |
| 2003-09-30 | 14.65% |
| 2003-06-30 | 13.47% |
| 2003-03-31 | 12.07% |
| 2002-12-31 | 10.60% |
| 2002-09-30 | 10.38% |
