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Stocks•30 April 2026•

1 min read

First Financial Sustains Growth Through Loan Expansion and CedarStone Integration

Key Facts

1First Financial recorded strong loan and deposit growth in Q1, benefiting from the CedarStone acquisition.

2The company's net interest margin stood at 4.23% in Q1, remaining among the highest in the coverage universe despite a sequential decline.

3Asset quality remained stable with improved nonperforming loan ratios and an efficiency ratio of 58.72%.

First Financial Corporation reported robust growth in its loan and deposit portfolios during the first quarter of 2026, driven by the successful integration of CedarStone. The company's net interest margin remained strong at 4.23%, positioning it among the top performers in its peer group despite sequential industry pressures. Asset quality remained a highlight, characterized by improving nonperforming loan ratios and a solid efficiency ratio of 58.72%. These results underscore the firm's ability to maintain high margins while executing its organic expansion strategy. Management's focus on operational discipline has allowed the bank to navigate broader economic headwinds effectively. Overall, the quarterly performance reflects a stable outlook for the institution's core lending activities.