TellerScore

Headquartered in Somerset, Kentucky, First & Farmers National Bank, Inc. is a national bank with $714.2M in total assets and $630.7M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1903.

Based on its Q2 2026 filing, First & Farmers National Bank, Inc. scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 45th. Its strongest component is problem-loan coverage (91/100; 4.5%), and its lowest is capital cushion (65/100; 11.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.51%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.77%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 77.3% · 15.6% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.45%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (78 → 75), mostly because the loan quality component weakened by 17 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202476
Q1 202576
Q2 202578
Q3 202573
Q4 202572
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%8.37%11.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.05%
Q3 202411.30%
Q4 202411.38%
Q1 202511.14%
Q2 202511.43%
Q3 202511.75%
Q4 202511.47%
Q1 202611.52%
Q2 202611.51%
Noncurrent loans
0.17%0.57%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.20%
Q4 20240.23%
Q1 20250.17%
Q2 20250.27%
Q3 20250.93%
Q4 20250.97%
Q1 20260.81%
Q2 20260.77%
Return on assets
0.98%1.24%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.98%
Q4 20241.03%
Q1 20251.18%
Q2 20251.31%
Q3 20251.34%
Q4 20251.36%
Q1 20261.47%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$714.2M11.51%0.77%1.50%77.3%
Q1 202675$679.5M11.52%0.81%1.47%80.0%
Q4 202572$676.3M11.47%0.97%1.36%82.1%
Q3 202573$667.6M11.75%0.93%1.34%83.1%
Q2 202578$654.6M11.43%0.27%1.31%82.7%
Q1 202576$657.9M11.14%0.17%1.18%82.3%
Q4 202476$647.3M11.38%0.23%1.03%84.3%
Q3 202476$665.0M11.30%0.20%0.98%81.3%
Q2 202475$659.0M11.05%0.24%0.98%78.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.51%
58th
Total risk-based capital15.86%
73rd
Problem loans0.77%
35th
Net charge-offs0.05%
29th
Return on assets1.50%
65th
Net interest margin4.21%
66th
Efficiency ratio50.8%
82nd
Loans to deposits77.3%
55th
Uninsured deposits15.6%
80th
Loan-loss reserves1.54%
81st
Texas ratio4.5%
38th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens National Bank of SomersetBank Somerset, KY75 out of 100, Strong$700.9M9.0%0.18%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs
FNB Bank, Inc.Bank Mayfield, KY65 out of 100, Moderate$770.0M8.5%0.68%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
Franklin Bank & Trust CompanyBank Franklin, KY75 out of 100, Strong$803.6M13.5%1.08%vs
Cumberland Valley National Bank & Trust CompanyBank London, KY69 out of 100, Moderate$816.1M9.5%0.22%vs

Deposit insurance

Is my money safe at First & Farmers National Bank, Inc.?

Yes. First & Farmers National Bank, Inc. is an FDIC-insured institution (FDIC certificate #2738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($98.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.86% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First & Farmers National Bank, Inc. lists 11 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First & Farmers National Bank, Inc.
Former names
The First National Bank of Columbia
Type
National bank
FDIC certificate #
2738
RSSD ID
721949
Primary regulator
OCC
Holding company
Pine Knob Holdings Llc
Established
October 15, 1903
Headquarters
2020 S Highway 27, Somerset, KY 42501
Employees
117

Quick answers

First & Farmers National Bank, Inc.: common questions

Is First & Farmers National Bank, Inc. FDIC insured?

Yes. First & Farmers National Bank, Inc. is an FDIC-insured institution (FDIC certificate #2738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First & Farmers National Bank, Inc.'s TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First & Farmers National Bank, Inc. ever failed?

There is no failure record for FDIC certificate #2738 in the FDIC failed bank list.

How many branches does First & Farmers National Bank, Inc. have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Somerset

InstitutionScoreAssetsCapitalProblem loansCompare
Pbk Bank, Inc.Bank Stanford, KY94 out of 100, Very strong$175.6M15.2%0.46%vs
Cumberland Security Bank, Inc.Bank Somerset, KY87 out of 100, Very strong$420.1M14.1%0.16%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
The Citizens National Bank of SomersetBank Somerset, KY75 out of 100, Strong$700.9M9.0%0.18%vs
The First National Bank of Russell SpringsBank Russell Springs, KY73 out of 100, Strong$475.2M10.5%0.11%vs