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First Farmers Bank & Trust Co.
Converse, IN · FDIC Certificate #12839 · Chartered 01/0
Total assets
$3.50B
Total deposits
$3.03B
Total equity
$341.06M
Net loans
$2.54B
Branches (offices)
37
Net income (YTD)
$28.76M
Rank: #371 of 4,213 U.S. banks by assets · #12 of 87 in Indiana. Assets changed 5.5% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 17.35% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 9.76% |
| Tier 1 leverage ratio | 10.06% |
| Uninsured deposits (share of deposits) | 30.2% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 83.8% |
| Real estate loans (share of loans) | 65.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.66B | 65.4% | |
| Commercial & industrial | $468.76M | 18.5% | |
| Consumer / individual | $14.13M | 0.6% | |
| Construction & development | $240.03M | 9.4% | |
| Agricultural | $357.44M | 14.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.48B | $2.13B | $20.64M | $237.15M |
| Jun 2023 | $2.85B | $2.31B | $23.02M | $254.49M |
| Jun 2024 | $3.20B | $2.63B | $15.43M | $275.93M |
| Jun 2025 | $3.31B | $2.86B | $23.91M | $296.50M |
| Jun 2026 | $3.50B | $3.03B | $28.76M | $341.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $2.72B | 32 |
| Illinois | $306.39M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.03B.
Similar-sized banks
Bank Of Ann Arbor ($3.50B) · The Farmers & Merchants State Bank ($3.49B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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