First Financial spreads itself thick. The holding company's flagship subsidiary, First Financial Bank, operates through around 160 branches in Indiana, Kentucky, and Ohio. Founded in 1863, the bank offers checking and savings accounts, money market accounts, CDs, credit cards, private banking, wealth management, and trust services. Commercial loans, including real estate and construction loans, make up about 70% of First Financial's total loan portfolio; the bank also offers residential mortgage and consumer loans. Another subsidiary, First Financial Capital Advisors, acts as the investment advisor to the company's proprietary mutual funds, The First Funds Group.