B
First & Farmers National Bank, Inc.
Rating Date
August 2026
Risk Based
Capital Ratio
15.86
Leverage
Ratio
11.51
Return On
Assets
1.50%
Total
Assets
714.15M
Capital
78.32M
Total
Deposits
630.65M
Net
Income
5.18M
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Weiss Ratings First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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Rating B
Asset Quality Index 6.90
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 7.00
Stability Index 6.30
Company Info First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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FDIC Number 2738
Phone Number (606) 679-7451
Website www.firstandfarmers.com
Asset Quality First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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1-Year Asset Growth 9.10%
5-Year Asset Growth 3.78%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 4.45%
Non-Performing Loans to Loans 0.74%
Balance Sheet First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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Total Assets 714.15M
Total Deposits 630.65M
Capital and Reserves First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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Capital 78.32M
Leverage Ratio 11.51
Loan Loss Reserves to Loans 1.54%
Risk-Based Capital Ratio 15.86
Liquidity First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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Hot Money Ratio 21.75%
Liquidity Ratio 25.13%
Profitability First & Farmers National Bank, Inc.
Somerset, KY 		Click to
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5-Year Return on Average Assets 1.06%
Net Income 5.18M
Net Interest Spread 4.20%
Operating Profit to Average Assets 1.92%
Overhead Efficiency Ratio 56.40%
Return on Assets 1.50%
Return on Equity 13.46%