First Financial Corporation is a regional bank holding company based in Terre Haute, Indiana. Its sole operating subsidiary, First Financial Bank, is the largest bank in Vigo County, Indiana, and operates a branch network across five states: Indiana, Illinois, Kentucky, Tennessee, and Georgia, plus several loan production offices. First Financial operates as a traditional community bank — it takes in deposits and lends that money out at higher interest rates, earning net interest income on the spread. The Bank offers commercial loans, residential mortgages, consumer loans, and trust and deposit services to individuals and businesses across its Midwest and South footprint. The key drivers of profitability are loan volume and mix, net interest margin, credit quality, and fee income from mortgage origination and trust services. First Financial retains adjustable-rate mortgages and sells most long-term fixed-rate mortgages into the secondary market, reducing interest rate risk on its residential portfolio. The Bank positions itself as a community bank with local decision-making and deep roots in its core markets.