Total Assets
$714.2M
Total Deposits
$630.7M
Branches
11
Established
1903
First & Farmers National Bank, Inc. is a bank headquartered in Somerset, Kentucky, established in 1903. It holds $714.2M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First & Farmers National Bank, Inc. earns a TFS Financial Health Grade of A (89.6/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
89.6 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First & Farmers National Bank, Inc.HQ | 2020 S Highway 27 | Somerset | KY | 11 |
| First & Farmers National Bank, Inc. | 200 S Washington St | Albany | KY | 11 |
| First & Farmers National Bank, Inc. | 101 Plaza Dr | Albany | KY | 11 |
| First & Farmers National Bank, Inc. | 129 N Main St | Burkesville | KY | 11 |
| First & Farmers National Bank, Inc. | 14 French Avenue | Burnside | KY | 11 |
| First & Farmers National Bank, Inc. | 701 Wright Dr | Columbia | KY | 11 |
| First & Farmers National Bank, Inc. | 114 Will Walker Rd | Columbia | KY | 11 |
| First & Farmers National Bank, Inc. | 9260 W Highway 80 | Nancy | KY | 11 |
| First & Farmers National Bank, Inc. | 2198 Lakeway Drive | Russell Springs | KY | 11 |
| First & Farmers National Bank, Inc. | 100 Turner St | Somerset | KY | 11 |
| First & Farmers National Bank, Inc. | 527 N Main St | Somerset | KY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
89.6
Tier 1 capital ratio
11.51%
Return on assets
1.50%
Non-performing loans
0.77%
Efficiency ratio
50.78%
Asset growth (YoY)
9.10%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.