First Financial reports Q4 EPS 51c, consensus 48c

Reports Q4 net interest margin 3.81% vs. 3.67% last year. Tangible book value was $11.20 from $10.59 at previous quarter end. Common equity Tier 1 capital ratio was 19.99% vs. 19.10% in the previous quarter. “We are pleased to report a strong finish to 2025, highlighted by record quarterly net income. We are especially happy with the strong deposit growth during the quarter, which will set us up well to grow both loans and securities in 2026,” said F. Scott Dueser, CEO. “We are encouraged by our organic balance sheet growth of almost $1.50B in the past year, increasing earning assets while continuing to grow net interest income. As we enter 2026, we will continue to remain focused on sound lending growth, managing the changing interest rate environment and the regulatory landscape. We appreciate the continued support of our customers, shareholders and associates and assure you that we will continue to put You First!”