Banks | First & Farmers National Bank, Inc.
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First & Farmers National Bank, Inc.


First & Farmers National Bank, Inc. is an FDIC insured institution headquartered at 2020 S Highway 27, Somerset, KY 42501.
It was founded in 1903 and has approximately $1 billion in assets. Customers can open an account at one of its 12 branches.

Deposit Rates - November 03, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.40% $10,000 Compare
12 Mo CD
0.40% $100,000 Compare
18 Mo CD
0.50% $10,000 Compare
18 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.75% $10,000 Compare
24 Mo CD
0.75% $100,000 Compare
36 Mo CD
0.80% $10,000 Compare
36 Mo CD
0.80% $100,000 Compare
48 Mo CD
0.85% $10,000 Compare
48 Mo CD
0.85% $100,000 Compare
60 Mo CD
1.00% $10,000 Compare
60 Mo CD
1.00% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2738
Date Established 1903
Assets $ 654.58 million
Loans $ 459.92 million
Deposits $ 556.04 million
Capital $ 73.40 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 23.91 million
Interest-bearing balances $ 13.00 million
Total securities $ 145.02 million
Federal funds sold and reverse repurchase $ 0.75 million
Net loans and leases $ 459.92 million
Loan loss allowance $ 7.31 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 4.32 million
All other assets $ 6.68 million
     Total Assets $ 581.18 million

LIABILITIES
Total deposits $ 556.04 million
      Interest-bearing deposits $ 386.32 million
      Deposits held in domestic offices $ 556.04 million
      % insured (estimated)" 84.80%
Federal funds purchased and repurchase agreements $ 19.31 million
Trading liabilities N.A.
Other borrowed funds $ 3.00 million
Subordinated debt N.A.
All other liabilities $ 3.28 millionn
      Total Liabilities $ 581.18 million
      Shareholders’ Equity $ 73.40 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 16.63 million
Total Interest Expense $ 4.20 million
Net interest income $ 12.43 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 1.42 million
Total non interest expense $ 8.39 million
Pre-tax Net Operating Income $ 3.15 million

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