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 1,392nd largest bank in the nation. It was established in 1903 and as of September of 2019, it had grown to 147 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 - YTD0.51%
Return on Equity - YTD3.85%
Annual Interest Income$15.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$525.2MM$507.8MM
LoansQ3 2019vs Q3 2018$303.1MM$295.8MM
DepositsQ3 2019vs Q3 2018$439.8MM$424.3MM
Equity CapitalQ3 2019vs Q3 2018$70.2MM$65.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$4.3MM$4.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$3.8MM$1.5MM
Real Estate OwnedQ3 2019vs Q3 2018$45.00K$0
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First & Farmers National Bank Checking Account Rates

2.00%*-$5kFreedom Rewards Checking
OTHER TIERS: 0.15% $5k+


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