Total Assets
$3.4B
Total balance-sheet footings
FDIC Cert #12839 · Converse, Indiana · Est. 1932
First Farmers Bank & Trust Co. - FDIC Bank Health Profile
A community-scale look at First Farmers Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.4B
- Total assets
- A
- Health grade · Excellent
- 1.52%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Farmers Bank & Trust Co. earns a PlainBankData health grade of A (95/100), with well-capitalized at 12.52% Tier 1, profitable at 1.52% ROA, efficient (49% cost ratio).
- #373
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 12.52%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Farmers Bank & Trust Co.'s 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Farmers Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (12.52%) 35/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (4.57%) 20/20
Efficiency Ratio (48.98%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.9B
Customer-funded liabilities
Net Loans
$2.5B
Outstanding loan book
Net Income
$50M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Farmers Bank & Trust Co. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Farmers Bank & Trust Co.'s score of 95/100 falls in the highlighted band.
First Farmers Bank & Trust Co.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Farmers Bank & Trust Co.'s $3.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.52%
Texas Ratio
4.57%
Equity Capital
$327M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
16.55%
Efficiency Ratio
48.98%
What the numbers say about First Farmers Bank & Trust Co.
First Farmers Bank & Trust Co. is an FDIC-insured institution (Certificate #12839) headquartered in Converse, Indiana, established in 1932. It holds $3.4B in total assets - 373rd of 4,313 FDIC-insured banks, $2.9B in customer deposits, and $2.5B in net loans. Looking at capital strength, Tier 1 stands at 12.52%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.57%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First Farmers Bank & Trust Co.'s asset base places it among the largest FDIC-insured institutions in the country, 373rd of 4,313 nationally, and 12th of 90 banks headquartered in Indiana. Only First Internet Bank of Indiana ($5.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$195M
Interest Income
$19M
Non-Interest Income
$68M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Farmers Bank & Trust Co. reports a Texas Ratio of 4.57% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.57% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Farmers Bank & Trust Co. (FDIC Cert #12839) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is First Farmers Bank & Trust Co.'s health grade?▼
First Farmers Bank & Trust Co. receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Farmers Bank & Trust Co.?▼
First Farmers Bank & Trust Co. holds $3.4B in total assets and $2.9B in deposits, ranking 373rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Converse, Indiana.
Is my money safe at First Farmers Bank & Trust Co.?▼
Yes, deposits at First Farmers Bank & Trust Co. (Certificate #12839) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Farmers Bank & Trust Co.'s Tier 1 Capital Ratio?▼
First Farmers Bank & Trust Co. has a Tier 1 Capital Ratio of 12.52%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Farmers Bank & Trust Co.?▼
First Farmers Bank & Trust Co. has a Texas Ratio of 4.57%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Farmers Bank & Trust Co.?▼
First Farmers Bank & Trust Co. has an Efficiency Ratio of 48.98%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Farmers Bank & Trust Co.'s profile as a depositor or analyst.
- First Farmers Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Farmers Bank & Trust Co. against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.