First & Farmers National Bank, Inc.: how it compares with its peers
Against 41 KY banks with half to twice its assets, First & Farmers National Bank, Inc.'s strongest measure in Q2 2026 is efficiency ratio (50.78% vs. a 58.25% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.26% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.87% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.78% | 58.25% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.0M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.30% | 84.58% | Context |
What it means for lending operations
Its efficiency ratio of 50.78% is better than the 58.25% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens National Bank of Somerset Somerset, KY · $701M
- Citizens Bank of Kentucky, Inc. Paintsville, KY · $670M
- FNB Bank, Inc. Mayfield, KY · $770M
- Farmers Bank and Trust Company Marion, KY · $794M
- Franklin Bank & Trust Company Franklin, KY · $804M
- Cumberland Valley National Bank & Trust Company London, KY · $816M
Questions about First & Farmers National Bank, Inc.
How big is First & Farmers National Bank, Inc.?
First & Farmers National Bank, Inc., established in 1903, is headquartered in Somerset, KY. It reported $714M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First & Farmers National Bank, Inc.'s return on assets?
1.50% annualized in Q2 2026, against a 1.26% median for 41 KY banks with half to twice its assets, ahead of 71% of them.
What is First & Farmers National Bank, Inc.'s efficiency ratio?
50.78% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 58.25%, and lower is better.
Is First & Farmers National Bank, Inc. growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 13.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.