Ohio

First Financial Bancorp in Cincinnati has made Brad Ringwald its president of community banking; named Paul Silva the president of investment commercial real estate; tapped Rick Dennen to oversee the company's national lending businesses; and said Roddell McCullough, director of community development, will take on more responsibility helping determine the strategy for that area.

Activity to relieve stress/promote fun: To foster team-building, Civista sends employees who work in the same department out together after hours for dinner or bowling.

A director at Citizens Independent Bancorp in Logan, Ohio, resigned after members of management chastised him for an email security breach.

The $13.1 billion-asset parent company of PlainsCapital Bank named William Furr CFO, effective Sept. 1.

First Defiance Financial in Defiance, Ohio, has agreed to pay $63 million for Commercial Bancshares, the $342 million-asset parent of Commercial Savings Bank.

The spike in the Libor rate is a boon for banks that have lots of floating-rate loans tied to the well-known benchmark. Shifts in money market funds are the driver, with the big question being how long the run will last.

ICBA Bancard has bought an agent bank portfolio from Fifth Third Bancorp in Cincinnati that carries about $98 million in credit card receivables.

Lending margins are once again contracting thanks to a confluence of factors, and bankers are doing everything from shifting cash into higher-risk securities to reconfiguring branches to pad profits.

TFS Financial in Cleveland posted a double-digit profit increase in the quarter that ended June 30 thanks to a combination of improved credit quality and lower expenses.

Regional banks need all the growth opportunities they can get, and Fifth Third says it has found one in catering to European businesses that need to expand in North America to escape domestic economic issues.