The group's principal activity is to provide banking services. The group is the holding company of first financial bank, a federally chartered stock savings bank and for citizens financial bank inc, a state-chartered commercial bank. First financial bank operates savings bank business, attracting deposit accounts from the general public and using those deposits to originate and invest in loans secured by one to four family residential real estate, non-residential real estate, and commercial loans. Citizens financial bank operates as a commercial bank, attracting deposit accounts from the general public and using these deposits, to originate residential and non-residential, commercial and consumer loans.
