FIRST FARMERS BANK & TRUST CO.

CONVERSE, IN | Large | Est. Jan. 1, 1932, midnight | FDIC #12839 | RSSD #139843 | FED
Latest Report: 2025-12-31

FIRST FARMERS BANK & TRUST CO. is aln large FDIC-insured commercial bank headquartered in CONVERSE, IN, established in Jan. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $3.4B and total deposits of $2.9B. Profitability stands at 1.64% ROA and 17.22% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 12.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.56% and a Texas Ratio of 3.94%. FDIC Certificate #12839.

Assets

$3.4B

Deposits

$2.9B

Loans

$2.5B

Equity

$327M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 17.22%
Net Interest Margin (NIM) 3.97%
Yield on Assets 6.40%
Cost of Funds 3.42%

Asset Quality

NPL Ratio 0.56%
Net Charge-Off Ratio 0.12%
Texas Ratio 3.94%
NPA Ratio 0.42%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 12.52%
Tier 1 Capital 12.52%
Total Capital Ratio 13.77%
Leverage Ratio 10.08%
Loan-to-Deposit 87.64%

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