Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FIRST FARMERS BANK&TRUST CO

FDIC #12839 · IN · period 20260630

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Total assets1,482,443-7.70% YoY

Total deposits1,222,421-6.42% YoY

Net loans and leases1,094,007-6.29% YoY

Return on assets1.08%-18.22% YoY

Return on equity10.61%-18.45% YoY

Net interest margin3.82%+1.71% YoY

Peer position

Return on assets76thstrength · n=902

Return on equity84thstrength · n=894

Net interest margin68thin line · n=902

Equity to assets37thin line · n=894

Noncurrent loans27thopportunity · n=887

Liquid assets59thin line · n=895

Brokered deposits31stin line · n=890

Loans to deposits58thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,482,443	1,222,421	1,094,007	1.08	10.61	3.82
2016-06-30	1,556,958	1,289,241	1,139,773	1.05	10.30	3.83
2016-09-30	1,547,292	1,268,214	1,140,079	1.08	10.46	3.84
2016-12-31	1,612,900	1,323,068	1,154,040	1.11	10.87	3.81
2017-03-31	1,606,042	1,306,349	1,167,483	1.33	13.01	3.75
2017-06-30	1,595,827	1,268,976	1,201,569	1.31	12.67	3.89
2017-09-30	1,642,596	1,320,267	1,213,142	1.28	12.31	3.91
2017-12-31	1,671,238	1,335,998	1,219,059	1.33	12.73	3.93
2018-03-31	1,688,522	1,361,408	1,222,502	1.56	14.74	4.00
2018-06-30	1,676,363	1,354,388	1,252,593	1.57	14.82	4.19
2018-09-30	1,702,554	1,372,118	1,265,416	1.62	15.27	4.17
2018-12-31	1,743,398	1,413,023	1,302,246	1.63	15.35	4.18
2019-03-31	1,804,171	1,450,924	1,305,222	1.55	14.54	4.10
2019-06-30	1,847,051	1,477,215	1,376,591	1.57	14.71	4.12
2019-09-30	1,898,874	1,500,183	1,365,669	1.58	14.82	4.09
2019-12-31	1,907,914	1,532,060	1,401,855	1.61	15.10	4.09
2020-03-31	1,974,653	1,575,710	1,405,847	1.39	13.02	3.73
2020-06-30	2,063,870	1,641,850	1,518,856	1.40	13.25	3.68
2020-09-30	2,085,190	1,645,497	1,557,903	1.38	12.92	3.68
2020-12-31	2,204,345	1,759,985	1,540,532	1.47	13.76	3.70
2021-03-31	2,312,915	1,901,051	1,559,270	1.58	14.82	3.46
2021-06-30	2,298,100	1,970,405	1,616,796	1.46	13.60	3.49
2021-09-30	2,291,957	1,960,078	1,577,095	1.53	14.12	3.75
2021-12-31	2,429,620	2,097,766	1,697,667	1.56	14.40	3.68
2022-03-31	2,516,228	2,144,000	1,711,093	1.70	16.55	3.57
2022-06-30	2,476,969	2,130,539	1,821,034	1.67	16.60	3.65
2022-09-30	2,571,990	2,200,389	1,898,573	1.66	16.99	3.83
2022-12-31	2,738,488	2,345,976	2,049,343	1.62	16.87	3.89
2023-03-31	2,805,884	2,482,049	2,065,127	1.66	18.58	3.93
2023-06-30	2,845,965	2,308,461	2,114,238	1.65	18.43	3.92
2023-09-30	2,955,804	2,481,809	2,183,169	1.61	18.42	3.88
2023-12-31	2,998,172	2,612,282	2,222,986	1.61	18.28	3.86
2024-03-31	3,111,526	2,728,746	2,246,934	1.44	16.11	3.70
2024-06-30	3,198,316	2,634,427	2,318,664	0.99	11.27	3.66
2024-09-30	3,232,794	2,831,952	2,346,069	1.04	11.74	3.68
2024-12-31	3,231,517	2,826,011	2,360,649	1.16	13.12	3.71
2025-03-31	3,266,875	2,802,120	2,377,644	1.56	17.45	3.75
2025-06-30	3,314,782	2,863,096	2,410,786	1.46	16.32	3.80
2025-09-30	3,316,095	2,882,670	2,411,516	1.48	16.30	3.83
2025-12-31	3,425,975	2,884,429	2,489,987	1.52	16.55	3.83
2026-03-31	3,551,779	3,118,046	2,508,195	1.60	17.07	3.86
2026-06-30	3,495,725	3,030,225	2,540,321	1.65	17.35	4.00

Structure and branch footprint

37 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2016-04-01	1	549545	139843
2015-04-18	1	638346	139843
2015-04-18	1	685733	139843
2015-04-18	1	546647	139843
2013-10-26	7	98548	139843
2012-05-01	1	921842	139843
2009-12-05	1	919241	139843
1995-01-01	1	878348	139843
1975-07-01	1	435040	139843

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.