First Farmers Bank & Trust Co.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Farmers Bank & Trust Co. runs leaner than most banks of its size. Its balance sheet stood at $3.5 billion at June 30, 2026, up 5.5% from a year earlier; it is based in Converse, Indiana. It spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also returns 17.7% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Earnings jumped: net income for the quarter was $15 million, 32% above the same quarter a year earlier. Its $428 million non-owner-occupied commercial real estate book is improving, with 0.23% past due or on nonaccrual, down from 1.08% a year earlier.
As of June 30, 2026, First Farmers Bank & Trust Co. reported a CET1 capital ratio of 12.82%, a return on assets of 1.67%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 6.94%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 123 N Jefferson St, Converse, IN 46919
- County
- Miami
- Metro Area
- Peru, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1932
- Former names
- First Farmers Bank and Trust Company (1995-2020)
- Offices
- 37 domestic
- Employees (FTE)
- 442
- Domestic deposits
- $3.03B
- Allowance for credit losses
- $42.3M
- Net charge-offs (YTD)
- -$183K
- Average total assets
- $3.54B
- Average total loans
- $2.53B
- Average interest-bearing deposits
- $2.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12839
- Fed RSSD
- 139843
- Website
- www.ffbt.com →
- Parent Holding Company
- FIRST FARMERS FINANCIAL CORPORATION (RSSD 1249039)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Farmers Bank & Trust Co. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Farmers Bank & Trust Co., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Farmers Bank & Trust Co. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.82% | 1.67% | 1.00% | 6.94% | 4.04% |
| Q1 2026 | 12.45% | 1.60% | 0.89% | 6.19% | 3.83% |
| Q4 2025 | 12.52% | 1.64% | 0.66% | 4.58% | 3.83% |
| Q3 2025 | 12.67% | 1.52% | 0.72% | 4.95% | 3.83% |
| Q2 2025 | 12.18% | 1.36% | 0.99% | 7.08% | 3.80% |
| Q1 2025 | 12.31% | 1.56% | 0.72% | 5.27% | 3.70% |
| Q4 2024 | 12.31% | 1.48% | 0.74% | 5.48% | 3.66% |
| Q3 2024 | 12.00% | 1.12% | 0.55% | 4.24% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 37 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Farmers Bank & Trust Co. (main office) | Converse , IN | 46919 | $356.3M |
| Kokomo Square Branch | Kokomo , IN | 46901 | $280.6M |
| Logansport Branch | Logansport , IN | 46947 | $211.4M |
| Tipton Branch | Tipton , IN | 46072 | $205.1M |
| Peru River Branch | Peru , IN | 46970 | $124.8M |
| Carmel Branch | Carmel , IN | 46032 | $110.7M |
| Greentown Branch | Greentown , IN | 46936 | $102.6M |
| Marion Branch | Marion , IN | 46952 | $91.5M |
| Kokomo Central Branch | Kokomo , IN | 46902 | $90.4M |
| Paris East Branch | Paris , IL | 61944 | $86.3M |
| Elwood Branch | Elwood , IN | 46036 | $85.2M |
| 32 South Court Street Branch | Sullivan , IN | 47882 | $84.6M |
| Wabash Branch | Wabash , IN | 46992 | $84.2M |
| The Citizens Exchange Bank Branch | Fairmount , IN | 46928 | $83.1M |
| Oakwood Branch | Oakwood , IL | 61858 | $74.6M |
| Hoopeston Branch | Hoopeston , IL | 60942 | $73.6M |
| Culver Branch | Culver , IN | 46511 | $68.9M |
| Galveston Branch | Galveston , IN | 46932 | $68.0M |
| Knox Branch | Knox , IN | 46534 | $58.0M |
| North Judson Keller Branch | North Judson , IN | 46366 | $56.3M |
| Sheridan Branch | Sheridan , IN | 46069 | $55.0M |
| Kokomo South Branch | Kokomo , IN | 46902 | $53.3M |
| Russiaville Branch | Russiaville , IN | 46979 | $52.4M |
| Flora Branch | Flora , IN | 46929 | $49.3M |
| Brazil Branch | Brazil , IN | 47834 | $48.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2016 | Structure Change | Acquired The Citizens Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2015 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2013 | Structure Change | Acquired Bank of Indiana, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| May 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2012 | Structure Change | Acquired The Citizens National Bank of Paris Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2009 | Structure Change | Acquired Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1975 | Structure Change | Acquired State Bank of Amboy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Farmers Bank & Trust Co., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in IN, rank 21 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,331 applications, 906 loans originated, $185.7M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Farmers Bank & Trust Co.
What are First Farmers Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, First Farmers Bank & Trust Co. reported total assets of $3.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Farmers Bank & Trust Co. headquartered?
First Farmers Bank & Trust Co. is headquartered in Converse, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Farmers Bank & Trust Co. founded?
First Farmers Bank & Trust Co. was established in 1932, per the FDIC institution directory.
Is First Farmers Bank & Trust Co. FDIC-insured?
Yes. First Farmers Bank & Trust Co. is an FDIC-insured commercial bank (FDIC Certificate #12839). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Farmers Bank & Trust Co.?
First Farmers Bank & Trust Co.'s primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Farmers Bank & Trust Co.'s CET1 capital ratio?
First Farmers Bank & Trust Co. reported a Common Equity Tier 1 (CET1) capital ratio of 12.82% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Farmers Bank & Trust Co. operate?
First Farmers Bank & Trust Co. operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Farmers Bank & Trust Co.'s Texas Ratio?
First Farmers Bank & Trust Co.'s Texas Ratio is 6.94% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Farmers Bank & Trust Co. previously called?
The charter now named First Farmers Bank & Trust Co. has also operated as First Farmers Bank and Trust Company (1995-2020), per FDIC structure-change records.
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