First & Farmers National Bank, Inc.
Somerset, KY · Cert 2738 · Peer group: banks under $1B in assets in KY (n=69) · Pine Knob Holdings LLC
National charter · OCC · 1 affiliate bank · 11 branches (30 in holding)
Q2 2026
$714.2MAssets
$495.1MLoans
$630.7MDeposits
$78.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 75% of banks under $1B in assets in KY (rank 17 of 69).
- Widest gap: nonperforming loans / loans trails 62% of banks under $1B in assets in KY (rank 44 of 69).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.45%
Rank 17 of 69
Net Interest Margin
3.94%
Rank 20 of 69
Efficiency Ratio
56.40%
Rank 22 of 69
Equity / Assets
10.97%
Rank 28 of 69
Non-interest income vs. expense
Unfavorable gap of $14.1M · efficiency ratio beats 70% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.83% | 1.18% | 1.44% | Beats 75% | 17 / 69 | |
| Return on Equity | 13.21% | 7.64% | 11.70% | 15.70% | Beats 59% | 28 / 69 | |
| Net Interest Margin | 3.94% | 3.45% | 3.75% | 3.96% | Beats 71% | 20 / 69 | |
| Efficiency Ratio | 56.40% | 55.32% | 62.99% | 70.80% | Beats 70% | 22 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.18% | 0.52% | 1.14% | Beats 38% | 44 / 69 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.06% | Beats 43% | 40 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 14.61% | 11.33% | 13.58% | 16.27% | Beats 59% | 28 / 69 | |
| Total Risk-Based Capital Ratio | 15.86% | 11.55% | 14.43% | 17.27% | Beats 67% | 23 / 69 | |
| Equity / Assets | 10.97% | 8.31% | 9.91% | 12.53% | Beats 59% | 28 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 78.51% | 71.40% | 81.07% | 88.03% | 42nd pctl | 40 / 69 | |
| Loans / Assets | 69.33% | 61.10% | 68.66% | 76.68% | 51st pctl | 34 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |