First & Farmers National Bank

Overview / Commentary
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 1,453rd largest bank in the nation. It was established in 1903 and as of March of 2021, it had grown to 131 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 - YTD0.75%
Return on Equity - YTD5.95%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$610.2MM$529.3MM
LoansQ1 2021vs Q1 2020$340.0MM$313.6MM
DepositsQ1 2021vs Q1 2020$520.1MM$445.5MM
Equity CapitalQ1 2021vs Q1 2020$72.9MM$68.8MM
Loan Loss AllowanceQ1 2021vs Q1 2020$5.4MM$4.4MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.1MM$2.3MM
Real Estate OwnedQ1 2021vs Q1 2020$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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