First Financial Corporation (NASDAQ: THFF) operates as a regional bank holding company for First Financial Bank, N.A., delivering traditional banking and financial services to individuals and businesses. The company's core business model revolves around attracting retail and commercial deposits and utilizing those funds to originate a variety of loans. Its loan portfolio is diversified across commercial and industrial loans, commercial real estate, residential mortgages, and consumer loans. In addition to traditional lending and deposit-gathering, First Financial offers lease financing, trust and wealth management services, and depositor services such as merchant processing and cash management.
Geographically, the company maintains a strong Midwest and Mid-South footprint, operating approximately 79 banking centers across west-central Indiana, east-central Illinois, western Kentucky, central and western Tennessee, and northern Georgia. The bank expanded its presence in the Nashville metropolitan area through the acquisition of CedarStone Financial in early 2026. First Financial Corporation generates the vast majority of its revenue from net interest income, supplemented by non-interest income from trust fees, service charges on deposit accounts, and wealth management services. Operating in a highly competitive regional banking landscape, the company differentiates itself through its deep historical roots—holding the 47th national bank charter granted in the U.S.—and a community-focused relationship banking model.
