First Financial (THFF) investor relations material

Business profile and footprint

• Established in 1984 as Indiana’s first multi-bank holding company; 90 locations across Indiana, Illinois, Tennessee, Kentucky and Georgia, including 75 full-service centers, 6 limited-service centers and 9 loan offices.

• $6.2B in assets and $2.3B in trust assets under management; primary banking subsidiary founded in 1834 and headquartered in Terre Haute, Indiana.

• Recognitions include a 5-star BauerFinancial rating, 2026 Top Performing Community Bank recognition and Top 50 U.S. Bank designation.

Financial performance and capital

• 2026 YTD net interest income $181.681M, net income $69.988M and diluted EPS $5.89; net interest margin 4.36%, ROAA 1.54% and ROAE 13.91%.

• 2026 YTD total assets $6,060.947M; 2025 net income $79.208M and diluted EPS $6.68.

• As of September 30, 2026, total risk-based capital 14.33%, Tier 1 risk-based capital 13.34% and Tier 1 leverage 11.20%; tangible book value per share $45.79.

• Nine-year EPS CAGR 8.83%; shareholder dividends increased for over 30 consecutive years.

• Total shareholder return index reached 192.98 at September 30, 2026, versus 133.16 for Russell 2000, 111.73 for KRE and 116.80 for CBNK, each indexed to 100 at December 31, 2021.

Lending and asset quality

• Total loans reached $4.412B at September 30, 2026; commercial loans were 70.72% of portfolio, consumer 21.23% and residential 8.05%.

• Seven-year total portfolio loan CAGR was 10.994%; 3Q26 balance was $4.412B.

• Consumer loans totaled $936.5M, with an average portfolio yield of 7.74%; 98.18% secured and 73.04% of borrowers had FICO scores of 700 or higher.

• Mortgage loans totaled $355.0M; 2026 YTD production was 50.58% sold and 49.42% retained in portfolio; total portfolio yield was 6.07%.

• Commercial new-loan rates in 2026 YTD were 6.712% for adjustable-rate and 6.741% for fixed-rate loans; commercial pipeline was $1.527B, including $526.9M of new-money pipeline.