First & Farmers National Bank

Overview / Commentary
2020 S. Hwy 27
Somerset, KY 42501

First & Farmers National Bank is headquartered in Somerset and is the 29th largest bank in the state of Kentucky. It is also the 1,449th largest bank in the nation. It was established in 1903 and as of June of 2020, it had grown to 146 employees at 11 locations. First & Farmers National Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #2738
Year Established1903
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD5.13%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$567.4MM$518.1MM
LoansQ2 2020vs Q2 2019$329.5MM$294.7MM
DepositsQ2 2020vs Q2 2019$474.9MM$437.7MM
Equity CapitalQ2 2020vs Q2 2019$74.4MM$69.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$4.7MM$4.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.0MM$2.1MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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First & Farmers National Bank Checking Account Rates

1.00%*-$5kFreedom Rewards Checking
OTHER TIERS: 0.15% $5k+


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