First Financial Q1 net income $18.4M, EPS $1.55; record NII $52M, NIM 4.11%

FIRST FINANCIAL CORP /IN/

2025-Q1 EPS reported $1.55

Net income $18.4M ($1.55 diluted EPS) vs $10.9M ($0.93) a year ago; ROAA 1.34% vs 0.91%.
Record net interest income $52.0M, up 33.5% YoY; net interest margin expanded to 4.11% from 3.53%.
Total loans $3.85B, up 20.7% YoY including SimplyBank acquisition; deposits $4.64B.
Nonperforming loans fell to $10.2M (0.26% of loans) from $24.3M (0.76%); provision $2.0M.
Efficiency ratio improved to 57.54% from 67.21%; tangible book value $38.13/share, up 5.2% YoY.

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