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Letter portraitLegal landscapeQuarterYTD

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 $20.8MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $452.6M28%Noninterest $178.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.54%, up 11 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.77% of loans (+51 bps YoY), with net charge-offs at 0.03%.
  • 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.

Return on Assets (quarter, annualized)

1.54%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.04%+17 bps YoY

Efficiency Ratio (quarter, annualized)

49.82%-251 bps YoY

Tier 1 Leverage Ratio

11.51%+7 bps YoY

NIM

4.86%Q2 ’245.04%Q2 ’255.21%Q2 ’26+10%+4%

Non-interest income vs. expense

2.56%Q2 ’242.52%Q2 ’252.49%Q2 ’26+2%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.20%1.18%1.43%1.41%1.43%1.47%1.54%+11 bps
Return on Equity9.23%11.07%10.92%13.00%12.34%12.51%13.09%13.83%+83 bps
Net Interest Margin3.54%3.81%3.67%3.87%3.88%4.00%3.97%4.04%+17 bps
Efficiency Ratio60.71%57.25%56.50%52.33%53.06%54.70%51.80%49.82%-251 bps
Non-Interest Burden2.23%2.24%2.15%2.05%2.11%2.24%2.08%2.02%-4 bps
Growth
Asset Growth (YoY)3.49%-0.62%-0.54%-0.67%0.39%4.49%3.29%9.10%+977 bps
Loan Growth (YoY)7.38%6.52%4.35%1.43%2.27%2.08%2.62%5.97%+454 bps
Deposit Growth (YoY)-0.24%-1.53%-3.71%-3.65%0.01%4.86%5.58%13.42%+1,707 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.23%0.17%0.27%0.93%0.97%0.81%0.77%+51 bps
Net Charge-Offs / Loans0.03%-0.11%0.00%0.00%0.02%-0.30%0.07%0.03%+3 bps
Allowance / Loans1.51%1.54%1.56%1.57%1.54%1.59%1.58%1.54%-3 bps
Allowance Coverage of NPLs7.6x6.7x9.2x5.9x1.6x1.6x1.9x2.0x-3.9x
Capital
Tier 1 Leverage Ratio11.30%11.38%11.14%11.43%11.75%11.47%11.52%11.51%+7 bps
Total Risk-Based Capital15.37%15.07%15.22%15.68%16.14%15.73%15.98%15.86%+18 bps
Equity / Assets10.84%10.79%10.79%11.21%11.62%11.29%11.25%10.97%-25 bps
Liquidity & Funding
Loans / Deposits82.57%85.66%83.59%84.03%84.43%83.39%81.25%78.51%-552 bps
Liquid Assets / Assets2.77%0.53%2.46%1.99%2.07%2.43%2.45%3.66%+167 bps
CRE / Total Capitaln/an/an/an/a174.24%180.28%174.20%n/an/a