---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-25-000045"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:42:36.207853+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Financial Q2 net income $18.6M ($1.57 EPS) vs $11.4M YoY; NIM expands to 4.15%

## Summary
- Net income $18.6M vs $11.4M in Q2 2024; diluted EPS $1.57 vs $0.96.
- Record net interest income $52.7M (+34% YoY); net interest margin 4.15% vs 3.57%.
- Average total loans $3.88B, up 21.25% YoY; 7th consecutive quarter of loan growth.
- Nonperforming loans fell to $9.8M (0.25% of loans) vs $15.9M (0.50%) a year ago.
- Quarterly dividend of $0.51 declared; 518,860 shares remain under repurchase authorization.

## SEC filing metadata
- accession: 0000714562-25-000045
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2025-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456225000045/0000714562-25-000045-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456225000045/thff-20250722x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-25-000045
- JSON: https://secwatch.observer/filing/0000714562-25-000045.json
- Plain text: https://secwatch.observer/filing/0000714562-25-000045.txt

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