secwatch.observer — SEC 8-K summary
======================================

Issuer:     FIRST FINANCIAL CORP /IN/ (THFF)
CIK:        0000714562
Form:       8-K
Filed at:   2026-07-28T13:01:57+00:00
Accession:  0000714562-26-000050
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714562/000071456226000050/0000714562-26-000050-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714562/000071456226000050/thff-20260728x8k.htm
  HTML page:      https://secwatch.observer/filing/0000714562-26-000050

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer