This institution is no longer active

Operations ceased on June 25, 1999. CRA examination history below reflects the period it was active.

FIRST AND FARMERS BANK OF SOMERSET, INC.

SOMERSET, KY · Supervised by FDIC

Est. 1890FDIC #2,724RSSD: FDIC-2724

Part ofUNION PLANTERS CORP→ View all charters

Outstanding Same

Current rating · Exam: October 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.54%

Institution Profile

FDIC BankFind

Address

Fountain Square, SOMERSET, KY

County

Pulaski County

Established

January 1, 1890

Total Assets

$299M(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

October 1, 1998

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1999Call Report / FDIC

Total Assets

$299M

Total Deposits

$217M

Net Loans

$152M

Net Income

$386K

ROA

0.54%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.17%

Risk-Based Capital

20.34%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.54%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.34%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 1998	Outstanding	Large Bank
Jan 1997	Outstanding	Small Bank
Dec 1994	Outstanding	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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