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First & Farmers National Bank, Inc.

Somerset, KY · Cert 2738 · 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
Loan mix
93%RE $441.3M3%C&I $14.8M4%Consumer $20.8MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $452.6M28%Noninterest $178.1MQ2 2025Q2 2026

NIM

4.78%Q2 ’245.00%Q2 ’255.08%Q2 ’26+10%+5%

Non-interest income vs. expense

2.58%Q2 ’242.52%Q2 ’252.48%Q2 ’26+0%-4%

Executive Summary

  • Earnings: ROA of 1.50%, up 19 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.77% of loans (+51 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.51%, up 7 bps from a year ago.
  • Funding: loans stand at 78.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+19 bps YoY

Efficiency Ratio (YTD, annualized)

50.78%-356 bps YoY

Tier 1 Leverage Ratio

11.51%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.34%1.36%1.47%1.50%+19 bps
Return on Equity11.96%12.06%12.23%13.09%13.44%+148 bps
Net Interest Margin3.76%3.78%3.82%3.97%3.94%+19 bps
Efficiency Ratio54.34%53.90%54.11%51.80%50.78%-356 bps
Non-Interest Burden2.10%2.09%2.12%2.08%2.02%-8 bps
Growth
Asset Growth (YoY)-0.67%0.39%4.49%3.29%9.10%+977 bps
Loan Growth (YoY)1.43%2.27%2.08%2.62%5.97%+454 bps
Deposit Growth (YoY)-3.65%0.01%4.86%5.58%13.42%+1,707 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.93%0.97%0.81%0.77%+51 bps
Net Charge-Offs / Loans0.00%0.01%-0.07%0.07%0.05%+4 bps
Allowance / Loans1.57%1.54%1.59%1.58%1.54%-3 bps
Allowance Coverage of NPLs5.9x1.6x1.6x1.9x2.0x-3.9x
Capital
Tier 1 Leverage Ratio11.43%11.75%11.47%11.52%11.51%+7 bps
Total Risk-Based Capital15.68%16.14%15.73%15.98%15.86%+18 bps
Equity / Assets11.21%11.62%11.29%11.25%10.97%-25 bps
Liquidity & Funding
Loans / Deposits84.03%84.43%83.39%81.25%78.51%-552 bps
Liquid Assets / Assets1.99%2.07%2.43%2.45%3.66%+167 bps
CRE / Total Capitaln/a174.24%180.28%174.20%n/an/a