Terre Haute, IN · Cert 4382 · First Financial Corp.
National charter · OCC · 82 branches
Q2 2026
Market Position · Terre Haute, IN · 2026 SOD (annual) · 51.7% share · #1 of 8 inst. · $2.0B of $4.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 1.24% | 1.38% | 1.38% | 1.51% | 1.56% | 1.37% | 1.51% | +14 bps | |
| Return on Equity | 7.79% | 12.07% | 13.48% | 13.30% | 14.31% | 14.23% | 12.68% | 14.29% | +98 bps | |
| Net Interest Margin | 3.44% | 3.57% | 3.72% | 3.75% | 3.86% | 4.25% | 3.83% | 3.94% | +20 bps | |
| Efficiency Ratio | 60.69% | 60.39% | 55.34% | 57.33% | 55.23% | 58.63% | 57.45% | 56.25% | -107 bps | |
| Non-Interest Burden | 1.84% | 1.86% | 1.77% | 1.87% | 1.79% | 2.09% | 1.89% | 1.95% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.77% | 14.70% | 14.42% | 14.67% | 3.38% | 3.58% | 10.46% | 10.31% | -435 bps | |
| Loan Growth (YoY) | 19.17% | 21.13% | 20.74% | 21.62% | 6.79% | 5.69% | 14.79% | 14.66% | -695 bps | |
| Deposit Growth (YoY) | 15.99% | 14.42% | 12.46% | 11.24% | -1.93% | -3.20% | 4.55% | 3.52% | -772 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.35% | 0.27% | 0.25% | 0.49% | 0.36% | 0.64% | 0.61% | +35 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.15% | 0.19% | 0.17% | 0.16% | 0.17% | 0.14% | 0.24% | +7 bps | |
| Allowance / Loans | 1.24% | 1.22% | 1.22% | 1.21% | 1.20% | 1.18% | 1.18% | 1.14% | -7 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.4x | 4.5x | 4.8x | 2.5x | 3.3x | 1.8x | 1.9x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 10.26% | 10.43% | 10.40% | 10.63% | 10.82% | 10.51% | 10.36% | -4 bps | |
| Total Risk-Based Capital | 13.67% | 13.81% | 13.99% | 13.84% | 14.09% | 14.14% | 13.36% | 13.63% | -21 bps | |
| Equity / Assets | 10.48% | 10.02% | 10.39% | 10.33% | 10.82% | 11.14% | 10.45% | 10.72% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.59% | 81.25% | 82.86% | 83.16% | 85.58% | 88.71% | 90.98% | 92.11% | +895 bps | |
| Liquid Assets / Assets | 0.32% | 0.58% | 0.63% | 0.70% | 0.59% | 1.32% | 0.62% | 0.68% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 281% | 276% | 310% | n/a | n/a | |