First & Farmers National Bank, Inc.

First & Farmers National Bank, Inc. is a currently active all other under 1 billion banking institution headquartered in Somerset, Kentucky. Established in 10/15/1903, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First & Farmers National Bank, Inc. manages $679.5M in total assets and holds $591.5M in customer deposits. When evaluating the stability of First & Farmers National Bank, Inc., one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 11.25%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.47%, while its Return on Equity (ROE) sits at 13.09%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.