First & Farmers National Bank

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

First & Farmers National Bank is headquartered in Somerset and is the 27th largest bank in the state of Kentucky. It is also the 1,444th largest bank in the nation. It was established in 1903 and as of September of 2020, it had grown to 135 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 - YTD0.73%
Return on Equity - YTD5.52%
Annual Interest Income$16.2MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$571.5MM$525.2MM
LoansQ3 2020vs Q3 2019$342.0MM$303.1MM
DepositsQ3 2020vs Q3 2019$471.2MM$439.8MM
Equity CapitalQ3 2020vs Q3 2019$75.7MM$70.2MM
Loan Loss AllowanceQ3 2020vs Q3 2019$5.0MM$4.3MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$1.6MM$3.8MM
Real Estate OwnedQ3 2020vs Q3 2019$0$45.00K
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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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