---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-25-000030"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2025-04-22T23:59:59+00:00"
generated_at: "2026-05-23T09:44:45.379717+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000714562-25-000030
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2025-04-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456225000030/0000714562-25-000030-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456225000030/thff-20250422x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-25-000030
- JSON: https://secwatch.observer/filing/0000714562-25-000030.json
- Plain text: https://secwatch.observer/filing/0000714562-25-000030.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.