First Farmers Bank & Trust Co.
Converse, IN · Cert 12839 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 18 of 176).
- Widest gap: nonperforming loans / loans trails 66% of banks $1B-$10B in assets operating regionally (rank 118 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.65%
Rank 32 of 176
Net Interest Margin
3.74%
Rank 68 of 176
Efficiency Ratio
46.86%
Rank 22 of 176
Equity / Assets
9.76%
Rank 113 of 176
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.93% | 1.26% | 1.54% | Beats 82% | 32 / 176 | | |
| Return on Equity | 16.86% | 9.26% | 11.89% | 14.46% | Beats 90% | 18 / 176 | | |
| Net Interest Margin | 3.74% | 3.25% | 3.59% | 3.93% | Beats 61% | 68 / 176 | | |
| Efficiency Ratio | 46.86% | 52.79% | 59.55% | 67.66% | Beats 88% | 22 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.30% | 0.64% | 1.32% | Beats 34% | 118 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 55% | 81 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.82% | 11.15% | 12.72% | 14.15% | Beats 52% | 85 / 176 | | |
| Total Risk-Based Capital Ratio | 14.07% | 11.81% | 13.63% | 15.33% | Beats 59% | 73 / 176 | | |
| Equity / Assets | 9.76% | 9.16% | 10.35% | 11.80% | Beats 36% | 113 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.23% | 80.94% | 89.73% | 97.21% | 36th pctl | 113 / 176 | | |
| Loans / Assets | 73.88% | 69.25% | 75.12% | 80.82% | 45th pctl | 97 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |