BlastPoint's Banking Scorecard

First & Farmers National Bank, Inc.

$100M-$1B Specialty: Other KY FDIC cert 2738

Somerset, KY

11 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
Deposits +13.4% year over year ($630.7M on the books).
Delinquency rate 0.78%.
Return on assets 1.50%.
Efficiency ratio 50.78% vs a 64.48% peer average.
Loan-to-deposit ratio 77.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

First & Farmers National Bank, Inc. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.18% above tier average
+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 13.69% below tier average
+ Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 49.8% in tier

Get updates when First & Farmers National Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$714.2M +9.1% YoY +5.1% QoQ	+$327.6M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	Top 12.0% in tier
Total Loans ?	$487.5M +6.0% YoY +3.1% QoQ	+$229.2M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	Top 12.6% in tier
Total Deposits ?	$630.7M +13.4% YoY +6.6% QoQ	+$303.9M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	Top 10.4% in tier
Return on Assets ?	1.50% +14.8% YoY +1.7% QoQ	+0.18%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	4.21% +4.4% YoY +0.9% QoQ	+0.23%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	50.78% -6.5% YoY -2.0% QoQ	-13.69%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.78% +189.5% YoY -5.2% QoQ	-0.13%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	77.30% -6.5% YoY -3.3% QoQ	-0.65%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	28.24% -7.5% YoY -3.1% QoQ	+6.21%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	77%
Nonperforming Asset Ratio ?	0.54% +181.2% YoY -7.0% QoQ	-0.13%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	38%
Tier 1 Capital Ratio ?	14.61% +1.2% YoY -0.8% QoQ	-1.30%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.22% +3.6% YoY +95.4% QoQ	-0.34%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	57%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Noninterest-Bearing	28.2% -2.3pp YoY -0.9pp QoQ	+6.1pp	22.1%	23.5%	22.2%	76%
Brokered Deposits	n/a	n/a	7.9%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	3.5% +0.2pp YoY +0.3pp QoQ	-8.1pp	11.6%	8.6%	12.5%	12%
CRE	27.4% -1.7pp YoY -1.3pp QoQ	-12.2pp	39.5%	37.1%	41.4%	30%
1-4 Family	58.5% +2.2pp YoY +1.3pp QoQ	+25.9pp	32.6%	41.6%	31.3%	89%
Consumer	4.2% -0.4pp YoY -0.2pp QoQ	+0.1pp	4.1%	4.8%	5.0%	72%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	14.6% +0.2pp YoY -0.1pp QoQ	-4.2pp	18.8%	20.2%	19.7%	45%
Leverage Ratio	11.5% +0.1pp YoY 0.0pp QoQ	-0.7pp	12.2%	14.0%	12.6%	58%
Total Capital Ratio	15.9% +0.2pp YoY -0.1pp QoQ	-4.1pp	19.9%	21.3%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	117 +3 (+2.6%) YoY +3 (+2.6%) QoQ	+58	58	105	482	92%
Assets per Employee ($)	$6.1M +6.3% YoY +2.4% QoQ	-$1.4M	$7.5M	$6.3M	$8.8M	36%
Branch Count	11 -1 (-8.3%) YoY 0 QoQ	+6	4	8	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	44%
Nonaccrual	0.7% +0.5pp YoY -0.1pp QoQ	-0.2pp	0.9%	0.8%	1.0%	63%
Allowance Coverage	1.99x -66.1% YoY +2.9% QoQ	-22.16x	24.15x	7.45x	20.23x	47%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	13.4% +1.5pp YoY +0.3pp QoQ	+1.2pp	12.2%	13.3%	11.6%	59%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	21%
Net Income ($, YTD)	$5.2M +21.2% YoY — QoQ	+$2.6M	$2.6M	$5.1M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#467 of 936 • Bottom 49.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

277

Total Deposits

size

Value: $630.65M

Peer Median: $326.73M

#277 of 2643 Top 10.4% in $100M-$1B

319

Total Assets

size

Value: $714.15M

Peer Median: $386.57M

#319 of 2643 Top 12.0% in $100M-$1B

335

Total Loans

size

Value: $487.50M

Peer Median: $258.35M

#335 of 2643 Top 12.6% in $100M-$1B

487

Efficiency Ratio

profitability

Value: 50.78%

Peer Median: 64.48%

#487 of 2643 Top 18.4% in $100M-$1B

619

Non-Interest-Bearing Deposit Share

funding

Value: 28.24%

Peer Median: 22.03%

#619 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available