BlastPoint's Banking Scorecard

First Farmers Bank & Trust Co.

$1B-$10B Specialty: Agricultural IN FDIC cert 12839

Designations: ✓ Community bank

Converse, IN

37 branches across IN · IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +5.8% year over year ($3.0B on the books).
Delinquency rate 1.02%.
Return on assets 1.65%.
Efficiency ratio 46.86% vs a 59.73% peer average.
Loan-to-deposit ratio 83.83% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

First Farmers Bank & Trust Co. has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.26% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 12.86% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.7% in tier

Get updates when First Farmers Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$3.5B +5.5% YoY -1.6% QoQ	+$702.5M	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$2.5B +5.4% YoY +1.3% QoQ	+$577.1M	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$3.0B +5.8% YoY -2.8% QoQ	+$711.4M	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.65% +12.7% YoY +3.0% QoQ	+0.26%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	4.00% +5.1% YoY +3.5% QoQ	+0.13%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	46.86% -3.3% YoY -1.0% QoQ	-12.86%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	1.02% +1.5% YoY +13.0% QoQ	+0.15%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	83.83% -0.4% YoY +4.2% QoQ	-1.20%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	15.49% -9.2% YoY -3.2% QoQ	-5.78%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.74% +1.5% YoY +16.3% QoQ	+0.06%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	12.82% +5.3% YoY +2.9% QoQ	-2.02%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.27% +6.6% YoY +114.4% QoQ	-0.25%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	15.5% -1.6pp YoY -0.5pp QoQ	-5.9pp	21.4%	16.8%	22.2%	29%
Brokered Deposits	5.9% -5.3pp YoY -1.3pp QoQ	-3.5pp	9.5%	7.2%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	18.5% -0.7pp YoY -0.7pp QoQ	+4.5pp	14.0%	11.1%	12.5%	76%
CRE	43.7% +2.6pp YoY +0.6pp QoQ	-6.3pp	50.0%	36.2%	41.4%	32%
1-4 Family	9.6% +0.8pp YoY +0.3pp QoQ	-16.8pp	26.4%	40.0%	31.3%	16%
Consumer	0.6% -0.1pp YoY 0.0pp QoQ	-4.2pp	4.7%	3.2%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	12.8% +0.6pp YoY +0.4pp QoQ	-2.8pp	15.6%	17.5%	19.7%	38%
Leverage Ratio	10.1% +0.3pp YoY +0.2pp QoQ	-1.2pp	11.3%	13.0%	12.6%	38%
Total Capital Ratio	14.1% +0.6pp YoY +0.4pp QoQ	-2.6pp	16.7%	18.7%	20.8%	40%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	442 +41 (+10.2%) YoY +10 (+2.3%) QoQ	+128	313	237	482	80%
Assets per Employee ($)	$7.9M -4.3% YoY -3.8% QoQ	-$2.6M	$10.5M	$7.5M	$8.8M	38%
Branch Count	37 -1 (-2.6%) YoY 0 QoQ	+17	20	17	18	88%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.2%	0.2%	0.4%	93%
Nonaccrual	0.6% -0.3pp YoY +0.1pp QoQ	-0.2pp	0.8%	0.8%	1.0%	58%
Allowance Coverage	1.64x +10.0% YoY -5.0% QoQ	-17.07x	18.71x	6.71x	20.23x	41%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	5%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	17.4% +1.0pp YoY +0.3pp QoQ	+4.8pp	12.6%	11.2%	11.6%	84%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.8%	1.7%	73%
Net Income ($, YTD)	$28.8M +20.3% YoY — QoQ	+$9.5M	$19.2M	$16.3M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#68 of 402 • Bottom 16.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

138

Efficiency Ratio

profitability

Value: 46.86%

Peer Median: 59.73%

#138 of 885 Top 15.5% in $1B-$10B

199

Total Deposits

size

Value: $3.03B

Peer Median: $2.32B

#199 of 885 Top 22.4% in $1B-$10B

204

Total Loans

size

Value: $2.54B

Peer Median: $1.96B

#204 of 885 Top 22.9% in $1B-$10B

208

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.39%

#208 of 885 Top 23.4% in $1B-$10B

209

Total Assets

size

Value: $3.50B

Peer Median: $2.79B

#209 of 885 Top 23.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available