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First Financial
First Financial (THFF) investor relations material
First Financial Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary28 Apr, 2026
Executive summary
Net income for Q1 2026 was $19.8 million, up from $18.4 million in Q1 2025, with diluted EPS of $1.67 versus $1.55 year-over-year.
Surpassed $6 billion in total assets and achieved a tenth consecutive quarter of loan growth.
Completed the acquisition of CedarStone Financial, adding $292 million in loans and $313 million in deposits, and recorded a $716,000 bargain purchase gain.
Financial highlights
Net interest income reached a record $56.9 million, up 9.5% year-over-year.
Non-interest income was $11.2 million, up from $10.5 million in Q1 2025.
Non-interest expense increased to $40.9 million from $36.8 million year-over-year.
Pre-tax, pre-provision net income was $27.3 million, up from $25.7 million in Q1 2025.
Provision for credit losses rose to $2.6 million from $2.0 million year-over-year.
Net charge-offs were $1.5 million, down from $1.8 million in Q1 2025.
Outlook and guidance
Management highlighted strong margin at 4.23% and stable credit quality.
Continued focus on organic loan growth, especially in commercial and consumer auto segments.
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Latest events from First Financial
- 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.THFFProxy Filing17 Mar 2026
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- Proxy covers director elections, executive pay, auditor ratification, and major 2024 achievements.THFFProxy Filing2 Dec 2025
- Proxy details director elections, executive pay, auditor ratification, and ESG progress.THFFProxy Filing2 Dec 2025
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- Loan and deposit growth offset lower net income from higher credit loss provisions.THFFQ3 202413 Jun 2025
- Earnings fell on higher credit costs, but capital, liquidity, and loan growth remain strong.THFFQ2 202413 Jun 2025
Next First Financial earnings date
Q2 202621 Jul, 2026
First Financial
Next First Financial earnings date
Q2 202621 Jul, 2026
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Amina0781App Store
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