First & Farmers National Bank, Inc. is a bank based in Somerset, Kentucky, established in 1903, with $680 million in total assets across 11 branches. By Trust Grade it ranks 20th of 120 banks we track in Kentucky. Its capital ratio of 11.2% is stronger than 65% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.47% return on assets. No consumer complaints against First & Farmers National Bank, Inc. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First & Farmers National Bank, Inc. compares to Kentucky peers
How we graded First & Farmers National Bank, Inc.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Strongly profitable (ROA 1.47%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First & Farmers National Bank, Inc. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 2020 S Highway 27, Somerset, KY 42501
- 14 French Avenue, Burnside, KY 42519
- 100 Turner St, Somerset, KY 42503
- 9260 W Highway 80, Nancy, KY 42544
- 701 Wright Dr, Columbia, KY 42728
- 101 Plaza Dr, Albany, KY 42602
- 129 N Main St, Burkesville, KY 42717
- 114 Will Walker Rd, Columbia, KY 42728
- 527 N Main St, Somerset, KY 42501
- 200 S Washington St, Albany, KY 42602
- 2198 Lakeway Drive, Russell Springs, KY 42642
Are deposits at First & Farmers National Bank, Inc. insured?
Yes. First & Farmers National Bank, Inc. is an FDIC-insured bank (FDIC certificate #2738). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First & Farmers National Bank, Inc.: frequently asked questions
Is First & Farmers National Bank, Inc. a good bank?
First & Farmers National Bank, Inc. earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Strongly profitable (ROA 1.47%).
Is First & Farmers National Bank, Inc. FDIC-insured?
Yes. First & Farmers National Bank, Inc. is a FDIC-insured bank (FDIC certificate #2738). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First & Farmers National Bank, Inc.?
First & Farmers National Bank, Inc. holds $680 million in total assets, ranking 20th of 120 banks we track in Kentucky. It operates 11 branches.
Does First & Farmers National Bank, Inc. have CFPB complaints?
No CFPB complaints against First & Farmers National Bank, Inc. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
