FIRST & FARMERS NATIONAL BANK, INC.

SOMERSET, KY | Medium | Est. Oct. 15, 1903, midnight | FDIC #2738 | RSSD #721949 | OCC
Latest Report: 2025-12-31

FIRST & FARMERS NATIONAL BANK, INC. is amn medium FDIC-insured commercial bank headquartered in SOMERSET, KY, established in Oct. 15, 1903, midnight. As of 2025-12-31, the bank reported total assets of $676M and total deposits of $578M. Profitability stands at 1.43% ROA and 12.51% ROE, with a net interest margin of 4.35%. The bank's CET1 capital ratio is 14.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.84% and a Texas Ratio of 4.87%. FDIC Certificate #2738.

Assets

$676M

Deposits

$578M

Loans

$482M

Equity

$76M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 12.51%
Net Interest Margin (NIM) 4.35%
Yield on Assets 5.69%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.84%
Net Charge-Off Ratio -0.07%
Texas Ratio 4.87%
NPA Ratio 0.61%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 14.47%
Tier 1 Capital 14.47%
Total Capital Ratio 15.73%
Leverage Ratio 11.47%
Loan-to-Deposit 83.39%

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