First & Farmers National Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First & Farmers National Bank, Inc. of Somerset, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 13.83% | 13.31% | +0.52% | 59th above |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 49.21% | 61.15% | -11.94% | 82nd top |
| PPNR / Avg Assets | 2.01% | 1.68% | +0.33% | 73rd above |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 43rd below |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 0.94% | -0.20% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| ACL / NPLs (Coverage) | 208.23% | 1539.68% | -1331.45% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.81% | 7.33% | -2.52% | 43rd below |
| Provision / NCO | 66.96% | 1396.89% | -1329.93% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.61% | 19.51% | -4.90% | 45th below |
| Tier 1 Ratio | 14.61% | 19.54% | -4.93% | 45th below |
| Total Capital Ratio | 15.86% | 20.63% | -4.77% | 46th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.51% | 12.14% | -0.63% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.97% | 11.37% | -0.40% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.64% | 11.09% | -0.45% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.51% | 80.64% | -2.13% | 54th above |
| Core Deposit Ratio | 90.38% | 86.86% | +3.52% | 57th above |
| Wholesale Funding Ratio | 0.00% | 5.04% | -5.04% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.10% | 6.85% | +2.25% | 80th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.97% | 7.90% | -1.93% | 54th above |
| Deposit Growth (Y/Y) | 13.42% | 6.28% | +7.14% | 89th top |
See First & Farmers National Bank, Inc.'s peers by name
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Unlock First & Farmers National Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First & Farmers National Bank, Inc. profile, how to read a UBPR, or how this data updates.