First & Farmers National Bank, Inc.
Somerset, KY
IDRSSD: 721949
Total Assets
$676.31M
Latest filing
Total Deposits
$577.58M
Latest filing
Net Interest Margin
4.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083903108SOMERSET, KY
Key People
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Locations
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Main Office
First & Farmers National Bank, Inc.
2020 S Highway 27
Somerset, KY 42501
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/15/1903FDIC Certificate 1777
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First & Farmers National Bank, Inc. (Main) | 2020 S Highway 27 | Somerset, KY |
| BURNSIDE BRANCH | 14 French Avenue | Burnside, KY |
| SOMERSET PLAZA BRANCH | 100 Turner St | Somerset, KY |
| NANCY BRANCH | 9260 W Highway 80 | Nancy, KY |
| WRIGHT DRIVE BRANCH | 701 Wright Dr | Columbia, KY |
| ALBANY BRANCH | 101 Plaza Dr | Albany, KY |
| BURKESVILLE BRANCH | 129 N Main St | Burkesville, KY |
| COLUMBIA DOWNTOWN BRANCH | 114 Will Walker Rd | Columbia, KY |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/15/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42501 |
| State and County Number | 21199 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Somerset, KY |
Operational Info
| Number of Employees | 112 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstandfarmers.com |
| Data Updated | 01/30/2026 |
| CERT | 2738 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $676.31M |
| Total Deposits | $577.58M |
| Total Liabilities | $599.95M |
| Total Equity Capital | $76.36M |
| Net Income | $2.41M |
| Net Loans and Leases | $473.97M |
| Assets Per Employee ($Millions) | $5.99M |
| Bank Premises and Fixed Assets | $12.71M |
| Cash and Balances due from Depository Institutions | $31.41M |
| Deposits Held in Domestic Offices | $577.58M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 12.51% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 54.7% |
| Tier 1 Risk-Based Capital Ratio | 14.473% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.29% |
| Earning Assets to total Assets | 94.28% |
Income and Expense
| Total Interest Income | $8.79M |
| Total Noninterest Income | $741.00k |
| Total Interest Expense | $2.08M |
| Total Noninterest Expense | $4.51M |
| Net Interest Income | $6.72M |
| Pre-tax Net Operating Income | $2.95M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $43.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $792.00k |
| Federal Funds Purchased and Repurchased Agreement | $18.13M |
| All Other Liabilities | $4.23M |
| Total Liabilities and Capital | $676.31M |
Securities
| Securities | $146.40M |
| Available-for-sale debt securities | $146.40M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First & Farmers National Bank, Inc.?
$676.31M as of the latest filing.
How much are First & Farmers National Bank, Inc.'s total deposits?
$577.58M in total deposits.
Where is First & Farmers National Bank, Inc. located?
Somerset, KY.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
11.
When was it established?
10/15/1903.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$473.97M (latest filing).
What is the total interest income (latest filing)?
$8.79M.