← Back to Institutions
First Farmers Bank & Trust Co.
Converse, IN·FDIC Cert #12839·Charter: STATE·Est. 19320101.0·HC: FIRST FARMERS FINANCIAL CORP
Total Assets
$3.4B
Q4 2025
Return on Assets
1.52%
+0.04%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.98%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.52%+0.04
ROE
16.55%+0.25
Efficiency
48.98%-0.28
Equity/Assets
0.00%+0.00
NPL Ratio
0.67%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.33%+2.67
Charge-offs
0.13%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.0 | 1.0 | 1.2 | 1.6 | 1.5 | 1.5 | 1.5 |
| ROE | 16.1 | 11.3 | 11.7 | 13.1 | 17.4 | 16.3 | 16.3 | 16.6 |
| Efficiency | 46.0 | 46.8 | 47.2 | 47.1 | 47.3 | 48.5 | 49.3 | 49.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.0 | 0.6 | 0.7 | 0.7 | 1.0 | 0.7 | 0.7 |
| Charge-offs | -0.0 | 1.6 | 1.3 | 1.0 | 0.2 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 82.3 | 88.0 | 82.8 | 83.5 | 84.9 | 84.2 | 83.7 | 86.3 |
Balance Sheet
Total Assets$3.4B
Total Deposits$2.9B
Total Loans$2.5B
Total Equity$326.9M
Profitability
ROA1.52%
ROE16.55%
Efficiency Ratio48.98%
Net Income$50.4M
Risk & Asset Quality
NPL Ratio0.67%
Charge-off Rate0.13%
Loan/Deposit86.33%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans