🏦Bank Scorer

FIRST & FARMERS NATIONAL BANK, INC.

SOMERSET, KY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1903FDIC #2,738
Outstanding Up

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Address

2020 S Highway 27, SOMERSET, KY

County

Pulaski County

Established

October 15, 1903

Total Assets

$680M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 30, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$680M

Total Deposits

$592M

Net Loans

$473M

Net Income

$2M

ROA

1.47%

ROE

13.09%

Risk-Based Capital

15.98%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$556M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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