BanksFIRST FARMERS BANK & TRUST CO.

FIRST FARMERS BANK & TRUST CO.

CONVERSE, INLargeEst. Jan. 1, 1932, midnightFDIC #12839RSSD #139843FED
Latest · 2025-12-31

FIRST FARMERS BANK & TRUST CO. is an 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%. CET1 capital ratio: 12.52%, well above regulatory minimums. NPL ratio: 0.56% · Texas Ratio: 3.94%. Operates 38 domestic branches.

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 Margin3.97%
Yield on Assets6.40%
Cost of Funds2.49%

Asset Quality

NPL Ratio0.56%
Net Charge-Off Ratio0.12%
Texas Ratio3.94%
NPA Ratio0.42%
ACL / Loans1.50%

Capital & Liquidity

CET1 Ratio12.52%
Tier 1 Capital12.52%
Total Capital Ratio13.77%
Leverage Ratio10.08%
Loan-to-Deposit87.64%

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