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First & Farmers National Bank, Inc. Locations & Branches Somerset, Kentucky
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First & Farmers National Bank, Inc. operates 11 branches from its headquarters in Somerset, KY, .
First & Farmers National Bank, Inc. branch network
All 11 branches are in KENTUCKY, across 7 cities. Somerset, KY has the most of its branches, 3. Its largest office by deposits is its main office in Somerset, KY, with $153.2M (24.3% of its branch deposits). On June 30, 2025 it had 12 branches, 1 more than in 2026.
First & Farmers National Bank, Inc. at a glance
Its CET1 capital ratio was 14.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $714.2M
- CET1 ratio, Q2 2026
- 14.61%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1903
Full financial profile · Is First & Farmers National Bank, Inc. safe? · First & Farmers National Bank, Inc. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Somerset, KY (3 branches) | 3 of 12 | 12.3% | $214.3M |
| State: KY (11 branches) | 38 of 152 | 0.5% | $630.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
First & Farmers National Bank, Inc.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Pulaski, KY (5 branches) | 3 of 12 | 13.9% | $263.5M | $1.89B |
| Adair, KY (2 branches) | 2 of 5 | 26.4% | $138.3M | $523.8M |
| Clinton, KY (2 branches) | 1 of 3 | 49.8% | $131.3M | $263.5M |
| Cumberland, KY (1 branch) | 2 of 2 | 49.3% | $78.4M | $158.8M |
| Russell, KY (1 branch) | 5 of 7 | 2.7% | $19.2M | $716.6M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Somerset, KY (5 branches) | 3 of 12 | 13.9% | $263.5M | $1.89B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First & Farmers National Bank, Inc. (main office) | Somerset, KY | 42501 | $153.2M |
| Columbia Downtown Branch | Columbia, KY | 42728 | $100.5M |
| 200 South Washington Street Branch | Albany, KY | 42602 | $97.2M |
| Burkesville Branch | Burkesville, KY | 42717 | $78.4M |
| Wright Drive Branch | Columbia, KY | 42728 | $37.8M |
| Somerset Plaza Branch | Somerset, KY | 42503 | $37.2M |
| Nancy Branch | Nancy, KY | 42544 | $35.6M |
| Albany Branch | Albany, KY | 42602 | $34.0M |
| Somerset North Main Street Branch | Somerset, KY | 42501 | $23.9M |
| Russell Springs Branch | Russell Springs, KY | 42642 | $19.2M |
| Burnside Branch | Burnside, KY | 42519 | $13.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 2738) · FFIEC NIC profile (RSSD 721949)