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First & Farmers National Bank, Inc.
Somerset, KY · FDIC Certificate #2738 · Chartered 10/1
Total assets
$714.15M
Total deposits
$630.65M
Total equity
$78.32M
Net loans
$487.50M
Branches (offices)
11
Net income (YTD)
$5.17M
Rank: #1,360 of 4,213 U.S. banks by assets · #25 of 120 in Kentucky. Assets changed 9.1% and deposits 13.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.50% |
| Return on equity | 13.44% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 10.97% |
| Tier 1 leverage ratio | 11.51% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 0.77% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 77.3% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $453.96M | 93.1% | |
| Commercial & industrial | $16.87M | 3.5% | |
| Consumer / individual | $20.58M | 4.2% | |
| Construction & development | $26.67M | 5.5% | |
| Agricultural | $3.56M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $628.35M | $544.54M | $2.65M | $64.35M |
| Jun 2023 | $638.86M | $559.52M | $2.62M | $64.41M |
| Jun 2024 | $658.99M | $577.09M | $3.21M | $67.74M |
| Jun 2025 | $654.58M | $556.04M | $4.27M | $73.40M |
| Jun 2026 | $714.15M | $630.65M | $5.17M | $78.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $630.65M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $630.65M.
Similar-sized banks
Pilgrim Bank ($714.56M) · Florida Capital Bank, National Association ($713.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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