Here are the 10-K annual reports from First Financial Corporation (THFF) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow THFF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full THFF filings page.
First Financial Corporation files its 2025 Form 10‑K, outlining its community banking business across Indiana, Illinois, Kentucky, Tennessee and Georgia and the regulatory framework it operates under. The company had 946 full‑time equivalent employees at the close of 2025, with 11,891,896 common shares outstanding as of March 2, 2026.
The filing emphasizes exposure to economic cycles, interest‑rate shifts, inflation, liquidity pressures and competition from banks, fintechs, cryptocurrencies and stablecoins under the new GENIUS Act. It notes that about 58.6% of the loan portfolio is in commercial and commercial real estate, heightening credit risk in downturns.
Management also highlights operational and technology risks, including cybersecurity, reliance on third‑party vendors, rapid fintech and AI adoption, and evolving consumer‑protection, capital and incentive‑compensation rules. The bank remains subject to Basel III capital standards and believes its main banking subsidiary was well capitalized as of December 31, 2025.