First Financial Bank, National Association

Terre Haute, Indiana, Vigo County

$6.2B in total assets, the 251st largest of 4,309 US banks and 10th of 89 headquartered in Indiana.

At a glance

Compared with 16 banks headquartered in Indiana with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$6.2B	69%	$3.1B
Loans	$4.5B	75%	$2.0B
Deposits	$4.9B	69%	$2.8B
Return on assets	1.49%	62%	1.22%
Net interest margin	4.27%	81%	3.52%
Efficiency ratio	56.8%	56%	55.8%
Equity to assets	10.72%	81%	9.50%
Loans to deposits	92%	81%	85%

Total assets grew 6.0% a year over the last 5 years and 8.0% a year over 10 years, including 5 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Mar 2026	CedarStone Bank Lebanon, TN	$369M
Jul 2024	SimplyBank. Dayton, TN	$683M
Feb 2022	The Morris Plan Company of Terre Haute, Inc. Terre Haute, IN, an affiliate under the same holding company	$124M
Nov 2021	Hancock Bank & Trust Company Hawesville, KY	$334M
Jul 2019	Heritage Bank USA, Inc. Hopkinsville, KY	$932M
Dec 2011	Freestar Bank, National Association Pontiac, IL	$406M
Jul 2009	The First National Bank of Danville Danville, IL	$148M
Sep 2005	First Community Bank, National Association Olney, IL, an affiliate under the same holding company	$125M
Feb 2005	First Crawford State Bank Robinson, IL, an affiliate under the same holding company	$96M
Sep 2004	First Farmers State Bank Sullivan, IN, an affiliate under the same holding company	$183M
Jul 2004	First State Bank Brazil, IN, an affiliate under the same holding company	$131M
May 2004	First Parke State Bank Rockville, IN, an affiliate under the same holding company	$119M
Feb 2004	First Citizens State Bank Newport, IN, an affiliate under the same holding company	$129M
Nov 2003	First National Bank Marshall, IL, an affiliate under the same holding company	$50M
Oct 2003	First Ridge Farm State Bank Ridge Farm, IL, an affiliate under the same holding company	$26M

82 branches in 44 counties.

County	Deposits	Market share	Rank
Vigo County, IN	$1.5B	52.9%	1 of 8
Vermilion County, IL	$259M	17.3%	3 of 14
Sullivan County, IN	$215M	57.9%	1 of 3
Rhea County, TN	$210M	31.5%	2 of 5
Vermillion County, IN	$200M	67.5%	1 of 2
Clay County, IN	$164M	31.7%	2 of 4

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 13 branches since 2016 (69 to 82, +18.8%). 1 opened, 41 acquired, 29 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				69
2016	Closed Hillsboro	0	1	−1	68
2017	Closed Sandborn and Urbana	0	2	−2	66
2019	Acquired Heritage Bank USA, Inc.Opened Clinton, closed 4 in Indiana	19	4	+15	81
2021	Acquired Hancock Bank & Trust CompanyClosed 10 in 2 states	7	10	−3	78
2023	Closed 8 in 4 states	0	8	−8	70
2024	Acquired SimplyBank.	13	0	+13	83
2025	Closed 4 in 3 states	0	4	−4	79
2026 through Q2	Acquired CedarStone Bank	3	0	+3	82

Type	This bank	Peers
Commercial real estate	25%	27%
1-4 family residential	18%	23%
Consumer	16%	2%
Business (C&I)	14%	17%
Multifamily	11%	12%
Construction and land	7%	7%
Farmland	3%	6%
Agricultural	3%	2%
Other	3%	3%

Type	This bank	Peers
Other interest-bearing	63%	59%
Noninterest-bearing	20%	18%
Time deposits	17%	23%

Brokered deposits are 1.0% of deposits (peers 4.9%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-financial-bank-terre-haute-in