- First Financial Corporation reported **net income** of **$20.8 million**, or **$1.75** diluted net income per common share, for Q3 2025, a significant increase from $8.7 million, or $0.74 per share, in Q3 2024.  **[714562_0000714562-25-000058_thff-20251028xex99d1.htm:0]** 
- The company achieved a **record net interest income** of **$54.6 million** for Q3 2025, up from $47.2 million in Q3 2024, with the **net interest margin** rising to **4.25%** from 3.78%.  **[714562_0000714562-25-000058_thff-20251028xex99d1.htm:1]** 
- **Total loans outstanding** grew by **6.79%** year-over-year to **$3.97 billion** as of September 30, 2025, from $3.72 billion as of September 30, 2024.  **[714562_0000714562-25-000058_thff-20251028xex99d1.htm:0]** 
- The **efficiency ratio improved** to **56.63%** for Q3 2025, compared to 64.43% for the same period in 2024.  **[714562_0000714562-25-000058_thff-20251028xex99d1.htm:2]** 
- **Nonperforming loans** increased to **$19.3 million** as of September 30, 2025, representing **0.49%** of total loans and leases, compared to $14.1 million, or 0.38%, a year prior.  **[714562_0000714562-25-000058_thff-20251028xex99d1.htm:1]**  However, the **provision for credit losses decreased** to **$2.0 million** in Q3 2025 from $9.4 million in Q3 2024.  **[714562_0000714562-25-000058_thff-20251028xex99d1.htm:0]**

FIRST FINANCIAL CORP /IN/ (THFF)