First Financial Corporation (NASDAQ: THFF) reported financial results for the fourth quarter (Q4) and full year (FY) ended December 31, 2025. Net income for Q4 2025 was USD 21.5 million, while diluted net income per common share reached USD 1.81. For FY 2025, net income totaled USD 79.2 million and basic and diluted earnings per share were USD 6.68. Return on average assets for Q4 2025 was 1.52%. The provision for credit losses in the quarter was USD 2.4 million. Pre-tax, pre-provision net income for Q4 2025 stood at USD 29.4 million. Non-interest expense for Q4 2025 was USD 41.8 million, which included USD 1.4 million of expenses related to the pending acquisition of CedarStone Financial and an additional USD 1.3 million of one-time expenses. The efficiency ratio for Q4 2025 improved to 58.17%. Income tax expense for Q4 2025 was USD 4.9 million. The effective tax rate for FY 2025 was 19.76%. First Financial Corporation announced the pending acquisition of CedarStone Financial during the period, incurring related transaction expenses in Q4. The company also transitioned to a paid time-off policy from its previous vacation and sick time accrual system. The company operates 79 banking centers in Illinois, Indiana, Kentucky, Tennessee, and Georgia.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. First Financial Corporation published the original content used to generate this news brief via GlobeNewswire (Ref. ID: 9647223) on February 03, 2026, and is solely responsible for the information contained therein.