First & Farmers National Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.07 percentage points higher than in Q1 2026, at 208.23%. First & Farmers National Bank, Inc. ranks 45th of 119 Kentucky banks on return on assets, in the upper half at 1.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First & Farmers National Bank, Inc. sits 0.28 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.86% |
| Tier 1 leverage ratio | 11.51% |
| Equity capital to assets | 10.97% |
| Tangible equity to tangible assets | 10.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.81% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | 208.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 13.83% |
| Net interest margin | 4.23% |
| Efficiency ratio | 49.21% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.51% |
| Core deposits to total deposits | 90.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.31% |
| Securities to assets | 22.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.77% | 13.77% | 15.02% | 10.77% | 0.99% |
| Q4 2023 | 13.49% | 13.49% | 14.74% | 10.63% | 0.72% |
| Q1 2024 | 13.32% | 13.32% | 14.57% | 10.66% | 0.88% |
| Q2 2024 | 13.48% | 13.48% | 14.73% | 11.05% | 1.09% |
| Q3 2024 | 14.11% | 14.11% | 15.37% | 11.30% | 0.99% |
| Q4 2024 | 13.82% | 13.82% | 15.07% | 11.38% | 1.22% |
| Q1 2025 | 13.96% | 13.96% | 15.22% | 11.14% | 1.17% |
| Q2 2025 | 14.43% | 14.43% | 15.68% | 11.43% | 1.41% |
| Q3 2025 | 14.89% | 14.89% | 16.14% | 11.75% | 1.39% |
| Q4 2025 | 14.47% | 14.47% | 15.73% | 11.47% | 1.43% |
| Q1 2026 | 14.73% | 14.73% | 15.98% | 11.52% | 1.47% |
| Q2 2026 | 14.61% | 14.61% | 15.86% | 11.51% | 1.53% |
First & Farmers National Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Farmers National Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First & Farmers National Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2738) · FFIEC NIC profile (RSSD 721949)