Headshot of Jon Waldo on gold tessellated background
Headshot of Jon Waldo on gold tessellated background

A message from your market president

Local knowledge is only part of the 130 combined years of experience our team offers. We help clients solve challenges and deliver financial solutions. Specializing in a variety of industries which help the region thrive, we are committed to working with you to create tailored financing that fits. We look forward to continuing to grow our relationship with you. Check out our team below and contact us to learn more.

Jon Waldo
Market President
Western Ohio

  • Take our client's word for it

Meet Tom Casad – CEO and co-owner of Totally Promotional

Tom Casad’s relationship with First Financial Bank spans decades, entities, and advanced capabilities. It all began in 1978 in the water ski business operated by Tom and his wife, Paula. It continued into 1993 when they founded their e-commerce business, Totally Promotional. Today, the 280-employee company offers more than 8,000 products for clients across the country. Tom and Paula count on First Financial for secure services ranging from payment solutions for their business, to personal financial management, and now succession planning.

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Totally Promotional logo surrounded by sunglasses, tote bag, pen and paper, can koozie and other promotional items
Totally Promotional logo surrounded by sunglasses, tote bag, pen and paper, can koozie and other promotional items

Totally Promotional relies on high-tech electronic services to keep its transactions fast and secure. First Financial’s services expanded through the years to keep up with technology. When we need them, they’re immediately able to help us. This overall feeling of security keeps us with the First Financial team.

Featured deals

$16.8MM
  • Revolving and non-revolving lines of credit, term loan, and full treasury management relationship

Construction Firm

$5MM
  • Conventional loan | Partner buyout

Food Supply Chain Industry

$1.2MM
  • Non-revolving line of credit

Automation Group

View all deals

Community philanthropic initiatives

Clothes That Work logo with "Professional Development Never Goes Out of Style" tagline and "25 Years" mark
  • Dayton, OH

Clothes That Work

“Clothes That Work is a nonprofit organization located in Dayton, Ohio. The mission of the organization is to clothe, educate, empower individuals for employment success. Clothes That Work strives to achieve this mission through programs and services, such as the Client & Coaching Program, the Workforce Education Initiative, and the Mobile Outreach Initiative. First Financial Bank supports this mission by sponsoring and participating in several of these programs. Caresse Drake, the Community Development Director at First Financial Bank, sits on the board of Clothes That Work, and works to help the organization become a leading workforce development resource that invests in the continuous professional advancement of jobseekers.”

Goodwill Easterseals Miami Valley logo
  • Dayton, OH

Goodwill Easterseals Miami Valley

"Goodwill Easterseals Miami Valley’s mission is to empower people with disabilities and other disadvantages to achieve independence and improve their quality of life. The support we received from First Financial Bank of GESMV’s ALL Club on Main Street (a place for youth, grades 7-12, who’ve experienced trauma, mental health or substance use challenges) allows ALL Club members to gather daily and encourage one another in the journey to mental wellness. Employment, education and life skills are all cornerstones incorporated into ALL Club programming and we are thrilled to partner with First Financial Bank in this effort to improve outcomes for teens in the Miami Valley."

Meet the team

Meet our team serving Western Ohio's commercial businesses.

Jonathan Waldo Headshot
Jonathan Waldo
Regional Market President – Western OH
Jonathan started his banking career in 2004, just two days after graduating from Cedarville University. He always had interest in banking as a career path and knew that helping businesses and owners reach their goals was important. Drawn to the ...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Nate Counts Headshot
Nate Counts
Senior Portfolio Manager
Nate joined First Financial Bank with nearly 30 years of industry experience. Prior to joining FFB as a Senior Portfolio Manager, he held roles in credit, underwriting, and commercial leading. This vast experience across finance and lending prov...
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Troy, OH 635 S. Market St.,  Troy, OH 45373
Michael Howard II Headshot
Michael Howard II
VP, Senior Commercial Relationship Manager
Michael brings 13 years of dedicated experience in the Southwest Ohio banking landscape to his role here at First Financial Bank. Initiating his career with U.S. Bank's Leadership Development Program, he subsequently advanced through key sectors...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Christa Macy Headshot
Christa Macy
VP, Treasury Management Advisor
Born and raised in Tipp City, Christa has 30 years of experience in banking, with the last 20 in Treasury Management. She joined First Financial in 2019 to be a part of the growth and consultative approach, while focusing on the Dayton and North...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Ashley Mangen Headshot
Ashley Mangen
Commercial Business Development Officer
With a decade of experience, Ashley joined First Financial Bank in 2024. She takes pride in connecting local businesses with the solutions they need to meet their goals and enrich the local economy. Ashley graduated from West Virginia. Being a p...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Jim Osmon Headshot
Jim Osmon
Senior Commercial Relationship Manager
Jim has more than 20 years’ experience in the banking industry. All his clients, large or small are unique and First Financial Bank offers the care everyone needs. Jim is passionate about helping take his clients and their companies to the next ...
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Delphos, OH 202 North Main Street,  Delphos, OH 45833
Joseph Ritter, AAMS™ Headshot
Joseph Ritter, AAMS™
Private Banking Officer
Joseph (Joe) N. Ritter joins First Financial Bank and Yellow Cardinal Advisory Group with 16 years of banking and financial career experience servicing High Net Worth clientele. His mission is to enhance current and prospective relationships wit...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Mark Sarver Headshot
Mark Sarver
Commercial Relationship Manager / VP
Mark has been in banking for more than 25 years, starting out as a part-time teller. He joined First Financial Bank knowing he could do more for his clients. Mark doesn’t count his wins by closing deals, he prides himself on doing what is right ...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Jason Seaquist Headshot
Jason Seaquist
Commercial Relationship Manager
Jason has more than 20 years of experience in the banking industry. His roles have included credit, business banking, and now he specializes in commercial banking. He works with his partners to provide custom, strategic financing and cash manage...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429
Ed Westmeyer Headshot
Ed Westmeyer
Relationship Manager, SVP
Spending his entire 30-year career at the bank, Ed worked for People’s Trust Co., later becoming MainSource, right out of college as a loan officer and worked his way up to the Commercial Market Director, SVP in Troy Ohio. Within the bank, Ed ha...
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Troy, OH 635 S. Market St.,  Troy, OH 45373
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Jeremy Hinton
Wealth Advisor III

    

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Celina, OH 1942 Havemann Road,  Celina, OH 45822
Paul Santiago Headshot
Paul Santiago
Wealth Advisor
With more than 23 years of experience in financial services and banking, Paul has spent the last ten years with First Financial Bank. His passion for building relationships and finding custom solutions for his clients has earned him a reputation...
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Kettering, OH 4391 Far Hills Ave.,  Kettering, OH 45429

Accredited Asset Management Specialist (AAMS) is a professional designation awarded by the College for Financial Planning (CFP) to financial professionals who successfully complete a self-study program, pass an exam, and agree to comply with a code of ethics.