Case Study: First Financial Bank achieves time savings and easier CRA exams with Ncontracts' Ncommunity

$16 Billion-Asset First Financial Bank Relieves the Burden of CRA Data Analytics with Ncommunity

First Financial Bank, a growing community bank that has doubled to $16 billion in assets with more than 150 branches and 2,000 employees, needed a way to analyze demographic, lending and deposit data across new markets to assess Community Reinvestment Act (CRA) performance and meet evolving regulatory expectations. The bank turned to Ncontracts and its web-based analytics product Ncommunity to consolidate disparate data streams and evaluate how well First Financial serves its assessment areas, including low- to moderate‑income and majority‑minority census tracts.

Ncontracts implemented Ncommunity by reviewing and importing the bank’s board‑approved assessment area data, geocoding loans and deposits, and delivering interactive maps and analysis for exam readiness and strategic planning; more than 10 users now work on the platform. The results: significant time savings, improved data quality versus spreadsheets, easier CRA exam support (including validation during a Federal Reserve review), deeper assessment‑area insights, merger analysis capability, and new marketing and sales opportunities for First Financial Bank.

First Financial Bank

Heather Montgomery

Community Development Analyst