First&Farmers Nb Inc (FDIC #2738): Bank Stress & Real-Estate Credit Exposure
First&Farmers Nb Inc (FDIC Cert #2738): bank stress 57/100, moderate, STABLE over 7 days; parent PINE KNOB HOLDINGS LLC.
First&Farmers Nb Inc (#2738) lends in 5 counties across 1 state; First&Farmers Nb Inc (#2738) reaches 29 ZIP codes: Kentucky 5 counties, 29 ZIPs.
First&Farmers Nb Inc (#2738) largest markets: Adair County, KY (22 branches, 11 ZIPs) (#2738), Pulaski County, KY (55 branches, 11 ZIPs) (#2738), Russell County, KY (7 branches, 7 ZIPs) (#2738), Clinton County, KY (8 branches, 4 ZIPs) (#2738), Cumberland County, KY (4 branches, 4 ZIPs) (#2738).
First&Farmers Nb Inc (#2738) reports $714.2 million in total assets; First&Farmers Nb Inc (#2738) equity $78.3 million (11.0% of First&Farmers Nb Inc (#2738) assets); First&Farmers Nb Inc (#2738) domestic deposits $630.7 million; First&Farmers Nb Inc (#2738) net income $5.2 million; First&Farmers Nb Inc (#2738) return on assets 1.50%; First&Farmers Nb Inc (#2738) return on equity 13.44%; First&Farmers Nb Inc (#2738) net interest income $13.8 million; First&Farmers Nb Inc (#2738) call report June 30, 2026.
First&Farmers Nb Inc (#2738) noncurrent real-estate loans 0.02% of its book; First&Farmers Nb Inc (#2738) net charge-offs on real estate 0.84%; First&Farmers Nb Inc (#2738) multifamily charge-offs 2.71%; First&Farmers Nb Inc (#2738) residential charge-offs 0.19%.
First&Farmers Nb Inc (#2738) net interest margin 4.21% against an eight-quarter First&Farmers Nb Inc (#2738) average of 3.98% (First&Farmers Nb Inc (#2738) compression -0.24 points); First&Farmers Nb Inc (#2738) real-estate loans 2.1% of equity; First&Farmers Nb Inc (#2738) non-residential real estate 19.0% of equity; First&Farmers Nb Inc (#2738) rate-exposure score 40/100, First&Farmers Nb Inc (#2738) fixed-rate trap 40/100; First&Farmers Nb Inc (#2738) risk type credit driven; First&Farmers Nb Inc (#2738) rate regime rates elevated, First&Farmers Nb Inc (#2738) snapshot October 19, 2026.
First&Farmers Nb Inc (#2738) stress score moved from 55.3 on June 22, 2026 to 57.1 on October 19, 2026; First&Farmers Nb Inc (#2738) ranged 55.3 to 57.1 over 116 snapshots.
First&Farmers Nb Inc (#2738) alerts: 5 counties; top First&Farmers Nb Inc (#2738) alert scores: Albany County, KY 20 (low); Burkesville County, KY 20 (low); Columbia County, KY 20 (low); Russell Springs County, KY 20 (low); Somerset County, KY 20 (low).