$3.55B
+8.7%y/y
Percentile by value22nd percentileby value
FDIC
ASSETFF
First Farmers Bank & Trust Co.
Converse, IndianaFDIC Cert #12839
STATEEstablished 193237 branches
Holding company: FIRST FARMERS FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Farmers Bank & Trust Co. reported $3.55B in total assets. Deposits grew 11.27% over the prior year.
Return on assets was 1.60%, compared with an asset-peer median of 1.31%. The leverage ratio was 9.86%.
- Why is Total Assets below asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$3.12B
+11.3%y/y
Percentile by value28th percentileby value
FDIC
DEP$2.51B
+5.5%y/y
Percentile by value22nd percentileby value
FDIC
LNLSNET1.60%
+3 bpsy/y
Peer standing75th percentile
FDIC
NETINC + ROA47.36%
+8 bpsy/y
Peer standing81st percentile
FDIC
NONIX + NIM + NONII + EEFFR9.86%
+5 bpsy/y
Peer standing34th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.3B | $1.97B |
| Q3 2021 | $2.29B | $1.96B |
| Q4 2021 | $2.43B | $2.1B |
| Q1 2022 | $2.52B | $2.14B |
| Q2 2022 | $2.48B | $2.13B |
| Q3 2022 | $2.57B | $2.2B |
| Q4 2022 | $2.74B | $2.35B |
| Q1 2023 | $2.81B | $2.48B |
| Q2 2023 | $2.85B | $2.31B |
| Q3 2023 | $2.96B | $2.48B |
| Q4 2023 | $3B | $2.61B |
| Q1 2024 | $3.11B | $2.73B |
| Q2 2024 | $3.2B | $2.63B |
| Q3 2024 | $3.23B | $2.83B |
| Q4 2024 | $3.23B | $2.83B |
| Q1 2025 | $3.27B | $2.8B |
| Q2 2025 | $3.31B | $2.86B |
| Q3 2025 | $3.32B | $2.88B |
| Q4 2025 | $3.43B | $2.88B |
| Q1 2026 | $3.55B | $3.12B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $225M |
| Investor CRE | $426M |
| Multifamily | $207M |
| Construction | $224M |
| 1–4 family | $233M |
| C&I | $481M |
| Agriculture | $652M |
| Other | $99.9M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.60%75th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE17.07%85th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.86%66th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.36%81st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+11.27%80th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+5.49%46th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.89%32nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ9.86%34th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.77%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC226%46th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.60%82nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.05%90th 1.83%Observations 91
ROE
FDIC
NETINC + ROE17.07%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.78%Median 11.48%90th 18.46%Observations 91
NIM
FDIC
NIM + NIMY3.86%69th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.84%Median 3.58%90th 4.41%Observations 91
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.36%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.36%Median 66.91%90th 86.14%Observations 91
Deposits YoY
FDIC
DEP+11.27%83rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.95%Median +4.02%90th +13.36%Observations 89
Loans YoY
FDIC
LNLSNET+5.49%38th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.85%Median +6.73%90th +14.99%Observations 87
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.89%31st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.57%90th 1.99%Observations 87
Leverage
FDIC
RBC1AAJ9.86%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.59%Median 10.27%90th 15.60%Observations 91
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.77%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.65%Median 2.44%90th 3.22%Observations 90
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC226%78th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 148%90th 270%Observations 56
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.60%56th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.27%Median 1.48%90th 1.80%Observations 10
ROE
FDIC
NETINC + ROE17.07%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.59%Median 13.12%90th 16.62%Observations 10
NIM
FDIC
NIM + NIMY3.86%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.19%Median 3.66%90th 4.34%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.36%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.14%Median 52.46%90th 76.45%Observations 10
Deposits YoY
FDIC
DEP+11.27%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.90%Median −0.02%90th +8.59%Observations 10
Loans YoY
FDIC
LNLSNET+5.49%78th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.55%Median +4.00%90th +14.94%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.89%22nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.36%Median 0.63%90th 1.09%Observations 10
Leverage
FDIC
RBC1AAJ9.86%22nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.36%90th 12.49%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.77%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.05%Median 2.48%90th 3.58%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC226%56th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 130%Median 225%90th 294%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 37 branches
- Headquarters
- Converse, IN
FDIC
OFFDOMOpen the Indiana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data