First Financial Q3 net income $20.8M ($1.75 EPS), up from $8.7M; record net interest income

FIRST FINANCIAL CORP /IN/

2025-Q3 EPS reported $4.87

Diluted EPS $1.75 vs $0.74 a year ago; net income $20.8M vs $8.7M.
Net interest income record $54.6M, up 15.8% YoY; margin expanded to 4.25% from 3.78%.
Loan growth continued for 8th consecutive quarter; total loans $3.97B (+6.8% YoY).
Provision for credit losses $2.0M, down sharply from $9.4M in Q3 2024.
Quarterly dividend kept at $0.51/share; declared and paid in October 2025.

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