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EXHIBIT 21

FIRST FINANCIAL BANCORP. SUBSIDIARIES (as of 12/31/24)

Name						State of Other Jurisdiction of Incorporation or Organization
First Financial Bank						Ohio
First Financial Collateral, Inc.						Indiana
First Franchise Capital Corporation						Indiana
Irwin Home Equity Corporation						Indiana
IHE Funding Corp. II						Delaware
MSB Investments of Nevada, Inc.						Nevada
MSB Holdings of Nevada, Inc.						Nevada
MSB of Nevada, LLC						Nevada
First Financial Preferred Capital, Inc.						Ohio
Oak Street Holdings Corporation						Delaware
Oak Street Funding LLC						Delaware
Oak Street Servicing, LLC						Delaware
Summit Funding Group, Inc.						Ohio
New York Systems Exchange, Inc.						Ohio
Summit RFG Corp.						Ohio
SFG Titling Co.						Ohio
PRC SFG, LLC						Ohio
Summit Financial Services, Inc.-Consolidated						Ohio
Summit-Northlake Canadian Leasing Corporation						Ohio
Summit MFR Leasing II, LLC						Ohio
Summit MFR Leasing, LLC						Ohio
PRC SFG II, LLC						Ohio
Summit Continental Leasing, LLC						Ohio
MainSource Statutory Trust I						Connecticut
MainSource Statutory Trust II						Connecticut
MainSource Statutory Trust III						Delaware
MainSource Statutory Trust IV						Delaware
FCB Bancorp Statutory Trust I						Delaware
OSF Insurance Receivables, LLC						Indiana
Yellow Cardinal Corporate Finance, LLC						Ohio
Yellow Cardinal M & A Services, Inc.						Ohio