---
schema_version: "secwatch.filing_event.v1"
accession: "0000714562-26-000050"
form_type: "8-K"
ticker: "THFF"
cik: "0000714562"
company_name: "FIRST FINANCIAL CORP /IN/"
filed_at: "2026-07-28T13:01:57+00:00"
generated_at: "2026-07-28T13:03:13.903479+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Financial Q2 net income $22.7M, EPS $1.91, up 22% YoY; record NII $61.2M

## Summary
- Net income $22.7M vs $18.6M YoY; diluted EPS $1.91 vs $1.57; ROAA 1.48% vs 1.34%.
- Record net interest income $61.2M, up 16.2% YoY; NIM 4.33% vs 4.15%.
- Total loans $4.47B, up 14.7% YoY; organic growth $300M driven by commercial and auto.
- Nonperforming loans $27.1M (0.61% of loans) vs $9.8M (0.25%) YoY; net charge-offs $2.7M.
- CedarStone acquisition closed March 1; loans acquired $292M, deposits $313M.

## SEC filing metadata
- accession: 0000714562-26-000050
- form_type: 8-K
- ticker: THFF
- cik: 0000714562
- company_name: FIRST FINANCIAL CORP /IN/
- filed_at: 2026-07-28T13:01:57+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714562/000071456226000050/0000714562-26-000050-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714562/000071456226000050/thff-20260728x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714562-26-000050
- JSON: https://secwatch.observer/filing/0000714562-26-000050.json
- Plain text: https://secwatch.observer/filing/0000714562-26-000050.txt

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