Converse, IN · Cert 12839 · First Farmers Financial Corp.
State charter, Fed member · FED · 37 branches
Q2 2026
Market Position · Kokomo, IN · 2026 SOD (annual) · 31.1% share · #2 of 8 inst. · $0.6B of $2.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.52% | 1.56% | 1.36% | 1.53% | 1.64% | 1.60% | 1.68% | +32 bps | |
| Return on Equity | 12.79% | 16.91% | 17.45% | 15.15% | 16.49% | 17.22% | 17.07% | 17.74% | +259 bps | |
| Net Interest Margin | 3.45% | 3.48% | 3.52% | 3.63% | 3.65% | 3.65% | 3.66% | 3.87% | +24 bps | |
| Efficiency Ratio | 48.06% | 46.91% | 47.28% | 49.62% | 50.78% | 48.19% | 47.36% | 46.41% | -321 bps | |
| Non-Interest Burden | 1.40% | 1.34% | 1.38% | 1.55% | 1.56% | 1.43% | 1.46% | 1.49% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.37% | 7.78% | 4.99% | 3.64% | 2.58% | 6.02% | 8.72% | 5.46% | +182 bps | |
| Loan Growth (YoY) | 7.18% | 6.03% | 5.56% | 4.12% | 2.92% | 5.59% | 5.61% | 5.55% | +143 bps | |
| Deposit Growth (YoY) | 14.11% | 8.18% | 2.69% | 8.68% | 1.79% | 2.07% | 11.27% | 5.84% | -284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.74% | 0.72% | 0.99% | 0.72% | 0.66% | 0.89% | 1.00% | +1 bps | |
| Net Charge-Offs / Loans | 0.67% | 0.28% | 0.18% | 0.23% | 0.04% | 0.06% | 0.10% | -0.13% | -36 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.42% | 1.47% | 1.51% | 1.50% | 1.53% | 1.64% | +17 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.9x | 2.0x | 1.5x | 2.1x | 2.3x | 1.7x | 1.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.64% | 9.81% | 9.78% | 10.06% | 10.08% | 9.86% | 10.06% | +28 bps | |
| Total Risk-Based Capital | 13.11% | 13.45% | 13.59% | 13.43% | 13.92% | 13.77% | 13.71% | 14.07% | +64 bps | |
| Equity / Assets | 9.02% | 8.90% | 9.04% | 8.94% | 9.55% | 9.54% | 9.20% | 9.76% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.00% | 84.72% | 86.07% | 85.46% | 84.93% | 87.64% | 81.69% | 85.23% | -23 bps | |
| Liquid Assets / Assets | 2.24% | 2.26% | 2.67% | 2.63% | 2.05% | 2.26% | 5.26% | 2.25% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 304% | 317% | 314% | n/a | n/a | |