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 First & Farmers National Bank, Inc.
First & Farmers National Bank, Inc.
| RSSD ID 721949 | CERTIFICATE 2738 | ABA NUMBER 83903108 |
| 2020 S Highway 27 |
Quarter Ended : |
2025-12-31 |
| Somerset, Kentucky, 42501 |
Updated : |
2026-01-26 |
| www.firstandfarmers.com |
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| Institution Profile |
| Year Opened : |
1903 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
11 |
Number of Employees : |
113 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 676,306 |
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Total Interest Income | 33,915 |
| Total Liabilities | 599,951 |
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Total NonInterest Income | 2,888 |
| Total Bank Equity Capital | 76,355 |
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Total Interest Expense | 8,288 |
| Total Deposits | 577,584 |
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Total NonInterest Expense | 17,156 |
| Net Loans & Leases | 473,967 |
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Net Income | 9,004 |
| Loan Loss Allowance | 7,652 |
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Net Charge Offs | (337) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 83,630 |
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Total loans | 479,926 |
| Total assets for the leverage ratio | 671,285 |
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Loans secured by real estate: | 438,606 |
| Tier 1 Leverage Ratio | 11.47 |
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Commercial and industrial loans | 14,907 |
| Tier 1 Capital Ratio | 14.47 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.73 |
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Loans to individuals - Other | 20,771 |
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:· First & Farmers National Bank, Inc.
