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First Financial (THFF) investor relations material
First Financial Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for Q2 2026 was $22.7 million, up from $18.6 million year-over-year, with diluted EPS rising to $1.91 from $1.57.
For the first half of 2026, net income reached $42.5 million, compared to $37.0 million in the same period of 2025.
Acquisition of CedarStone Financial, Inc. completed in March 2026, adding $292 million in loans and $313 million in deposits.
Financial highlights
Net interest income for Q2 2026 was $61.2 million, a 16.2% increase year-over-year.
Net interest margin improved to 4.33% from 4.15% year-over-year.
Non-interest income for Q2 2026 was $10.6 million, slightly up from $10.4 million in Q2 2025.
Non-interest expense rose to $42.5 million from $38.3 million year-over-year.
Efficiency ratio improved to 57.95% from 59.37% year-over-year.
Outlook and guidance
Management highlighted strong profitability and net interest margin, with continued focus on loan growth and operational efficiency.
- Net income and EPS increased, supported by loan growth, acquisition gains, and strong asset quality.THFF
Q1 20266 May 2026 - All proposals, including director elections and auditor ratification, were approved.THFF
AGM 202615 Apr 2026 - Record net income, strong shareholder support, and robust governance mark the 2026 proxy.THFF
Proxy Filing17 Mar 2026 - Record earnings and loan growth, with improved capital and efficiency despite one-time charges.THFF
Q4 20253 Feb 2026 - Proxy covers director elections, executive pay, auditor ratification, and major 2024 achievements.THFF
Proxy Filing2 Dec 2025 - Proxy details director elections, executive pay, auditor ratification, and ESG progress.THFF
Proxy Filing2 Dec 2025 - Earnings and margins surged on strong loan growth and capital strength, aided by SimplyBank.THFF
Q3 20255 Nov 2025 - Net income and EPS surged, fueled by strong loan growth and the SimplyBank acquisition.THFF
Q2 20257 Aug 2025 - Loan and deposit growth offset lower net income from higher credit loss provisions.THFF
Q3 202413 Jun 2025
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