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First Financial Bank, National Association

Terre Haute, IN · Cert 4382 · First Financial Corp.

National charter · OCC · 82 branches

Q2 2026

$6.2BAssets
$4.5BLoans
$4.9BDeposits
$661.9MEquity
Loan mix
68%RE $2.8B15%C&I $0.6B17%Consumer $0.7BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $3.9B20%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.78%Q2 ’245.12%Q2 ’255.13%Q2 ’26+18%+2%

Non-interest income vs. expense

2.61%Q2 ’242.61%Q2 ’252.64%Q2 ’26+2%+4%

Market Position · Terre Haute, IN · 2026 SOD (annual) · 51.7% share · #1 of 8 inst. · $2.0B of $4.0B

52.9% Vigo
17.3% Vermilion
57.9% Sullivan
31.5% Rhea

Executive Summary

  • Earnings: ROA of 1.45%, up 7 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.61% of loans (+35 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 10.36%, down 4 bps from a year ago.
  • Funding: loans stand at 92.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+8 bps YoY

Efficiency Ratio (YTD, annualized)

56.84%+50 bps YoY

Tier 1 Leverage Ratio

10.36%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.42%1.46%1.37%1.45%+7 bps
Return on Equity13.43%13.68%13.81%12.68%13.45%+2 bps
Net Interest Margin3.72%3.75%3.85%3.83%3.80%+8 bps
Efficiency Ratio56.34%55.96%56.71%57.45%56.84%+50 bps
Non-Interest Burden1.81%1.80%1.86%1.89%1.88%+7 bps
Growth
Asset Growth (YoY)14.67%3.38%3.58%10.46%10.31%-435 bps
Loan Growth (YoY)21.62%6.79%5.69%14.79%14.66%-695 bps
Deposit Growth (YoY)11.24%-1.93%-3.20%4.55%3.52%-772 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.49%0.36%0.64%0.61%+35 bps
Net Charge-Offs / Loans0.18%0.17%0.17%0.14%0.19%+1 bps
Allowance / Loans1.21%1.20%1.18%1.18%1.14%-7 bps
Allowance Coverage of NPLs4.8x2.5x3.3x1.8x1.9x-2.9x
Capital
Tier 1 Leverage Ratio10.40%10.63%10.82%10.51%10.36%-4 bps
Total Risk-Based Capital13.84%14.09%14.14%13.36%13.63%-21 bps
Equity / Assets10.33%10.82%11.14%10.45%10.72%+40 bps
Liquidity & Funding
Loans / Deposits83.16%85.58%88.71%90.98%92.11%+895 bps
Liquid Assets / Assets0.70%0.59%1.32%0.62%0.68%-1 bps
CRE / Total Capitaln/a281%276%310%n/an/a