First Farmers Bank & Trust Co.: Peer Group Comparison
BankRegReports is independent of First Farmers Bank & Trust Co. and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Farmers Bank & Trust Co. of Converse, IN against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.67% | 1.29% | +0.38% | 75th better half |
| ROAE | 17.74% | 12.61% | +5.13% | 83rd best quarter |
| Net Interest Margin | 4.04% | 3.71% | +0.33% | 71st better half |
| Efficiency Ratio | 45.89% | 58.32% | -12.43% | 15th best quarter |
| PPNR / Avg Assets | 2.38% | 1.75% | +0.63% | 84th best quarter |
| Yield on Earning Assets | 6.18% | 5.54% | +0.64% | 82nd |
| Cost of Funds | 2.34% | 2.01% | +0.33% | 73rd worse half |
| Net Interest Spread | 3.43% | 3.09% | +0.34% | 72nd better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.52% | +0.48% | 73rd worse half |
| NPA / Total Assets | 0.74% | 0.41% | +0.33% | 70th worse half |
| NCO / Avg Loans | -0.13% | 0.03% | -0.16% | 1st best quarter |
| ACL / Total Loans | 1.64% | 1.15% | +0.49% | 90th |
| ACL / NPLs (Coverage) | 163.75% | 204.05% | -40.30% | 41st worse half |
| Texas Ratio | 6.94% | 3.58% | +3.36% | 74th worse half |
| CRE / Total Capital | 224.62% | 223.76% | +0.86% | 50th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.82% | 13.52% | -0.70% | 39th worse half |
| Tier 1 Ratio | 12.82% | 13.55% | -0.73% | 38th worse half |
| Total Capital Ratio | 14.07% | 14.66% | -0.59% | 41st worse half |
| Leverage Ratio | 10.06% | 10.52% | -0.46% | 38th worse half |
| Equity / Assets | 9.76% | 10.38% | -0.62% | 37th worse half |
| TCE / Tangible Assets | 9.45% | 9.80% | -0.35% | 42nd worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 85.23% | 88.15% | -2.92% | 42nd |
| Core Deposit Ratio | 87.02% | 88.46% | -1.44% | 42nd worse half |
| Uninsured Deposit Ratio | 30.24% | 30.92% | -0.68% | 48th better half |
| Borrowings / Total Assets | 2.77% | 3.92% | -1.15% | 39th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.46% | 5.45% | +0.01% | 50th |
| Loan Growth (Y/Y) | 5.55% | 5.90% | -0.35% | 48th |
| Deposit Growth (Y/Y) | 5.84% | 5.07% | +0.77% | 55th |
See First Farmers Bank & Trust Co.'s peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Farmers Bank & Trust Co. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Farmers Bank & Trust Co. peer analysis.