First Farmers Bank & Trust Co.
Converse, IN · Cert 12839 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · First Farmers Financial Corp.
State charter, Fed member · FED · 37 branches
Q2 2026
$3.5BAssets
$2.6BLoans
$3.0BDeposits
$341.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks $1B-$10B in assets operating regionally (rank 17 of 174).
- Widest gap: nonperforming loans / loans trails 69% of banks $1B-$10B in assets operating regionally (rank 121 of 174).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.65%
Rank 31 of 174
Net Interest Margin
3.74%
Rank 66 of 174
Efficiency Ratio
46.86%
Rank 22 of 174
Equity / Assets
9.76%
Rank 112 of 174
Non-interest income vs. expense
Unfavorable gap of $51.8M · efficiency ratio beats 88% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.93% | 1.27% | 1.52% | Beats 82% | 31 / 174 | |
| Return on Equity | 16.86% | 9.26% | 11.89% | 14.41% | Beats 90% | 17 / 174 | |
| Net Interest Margin | 3.74% | 3.22% | 3.56% | 3.91% | Beats 62% | 66 / 174 | |
| Efficiency Ratio | 46.86% | 51.59% | 59.21% | 67.02% | Beats 88% | 22 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.29% | 0.60% | 1.18% | Beats 31% | 121 / 174 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 53% | 82 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 12.82% | 11.19% | 12.82% | 14.11% | Beats 50% | 87 / 174 | |
| Total Risk-Based Capital Ratio | 14.07% | 11.81% | 13.70% | 15.33% | Beats 56% | 76 / 174 | |
| Equity / Assets | 9.76% | 9.15% | 10.31% | 11.72% | Beats 36% | 112 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 85.23% | 80.93% | 90.31% | 97.12% | 37th pctl | 110 / 174 | |
| Loans / Assets | 73.88% | 69.01% | 75.52% | 80.85% | 44th pctl | 98 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |