FIRST FINANCIAL CORP

First Financial Corporation operates as a financial holding company through its principal subsidiary, First Financial Bank, N.A., providing comprehensive banking and financial services across the Midwest and Southeast. The company is headquartered in Terre Haute, Indiana, and maintains a network of 81 full-service banking branches distributed across five states: Indiana, Illinois, Kentucky, Tennessee, and Georgia. Additionally, the company operates eight loan production offices located in Indiana and Tennessee to support its lending operations.

The bank's business model centers on three primary loan portfolio segments: commercial lending, residential mortgage lending, and consumer lending. Commercial loans support business expansion and asset purchases, with particular emphasis on commercial real estate and agricultural production loans. The residential segment focuses on one-to-four family mortgages, with the company selling substantially all long-term fixed-rate mortgages to secondary market purchasers while maintaining a portfolio of adjustable-rate mortgages. The consumer segment comprises home equity products, secured loans collateralized by vehicles and other assets, and unsecured personal loans.

Beyond lending, First Financial provides trust account services, lease financing, and deposit services to both retail and commercial customers. The company maintains a main office in downtown Terre Haute and operates a 50,000-square-foot operations center on South Third Street that serves as the corporate headquarters and provides additional office space.

As of the end of 2025, First Financial employed 946 full-time equivalent employees. The company maintains regulatory capital ratios well above minimum requirements, with a Common Equity Tier 1 ratio of 13.21 percent and a leverage ratio of 11.25 percent as of December 31, 2025. First Financial Bank, N.A. is the largest bank in Vigo County, Indiana, and operates as a national bank subject to supervision by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation. The corporation qualifies as a financial holding company under the Gramm-Leach-Bliley Act, enabling it to engage in a broad range of financial activities beyond traditional banking operations.