First & Farmers National Bank


Overview / Commentary
606-679-7451
2020 S. Hwy 27
Somerset, KY 42501

First & Farmers National Bank is headquartered in SOMERSET and is the 28th largest bank in the state of Kentucky. It is also the 1,451st largest bank in the nation. It was established in 1903 and as of March of 2025, it had grown to 116 employees at 12 locations. First & Farmers National Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #2738
Year Established1903
Employees116
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD10.92%
Annual Interest Income$8.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$657.9MM$661.5MM
LoansQ1 2025vs Q1 2024$461MM$442MM
DepositsQ1 2025vs Q1 2024$560.3MM$581.9MM
Equity CapitalQ1 2025vs Q1 2024$71MM$66.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.3MM$6.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$799K$907K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations

Availability



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