Risk factors

First Financial (THFF) risk factors

Item 1A of every First Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    47 risks7 new3 dropped7 reworded

    First Financial Corp added risks regarding artificial intelligence adoption, Federal Reserve leadership changes, tax laws, and accounting estimates. The bank updated interest rate cuts from 100 basis points in 2024 to 75 basis points in 2025. The SimplyBank acquisition risk was dropped.

    Filed Mar 04, 2026
  • FY2024 10-K risk factors
    43 risks

    First Financial Corp faces concentrated geographic risks across multiple states and heavy exposure to commercial real estate loans. The bank is sensitive to interest rate fluctuations, inflation, and regulatory changes under the new presidential administration. Integration risks from the SimplyBank acquisition and cybersecurity threats also feature prominently.

    Filed Mar 05, 2025