First&Farmers Nb INC Safety Rating
First&Farmers Nb INC's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #849 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First&Farmers Nb INC's best component is loan quality (95/100) and its weakest is profitability (68/100).
This page answers a common banking-safety question: First&Farmers Nb INC Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First&Farmers Nb INC Safety Rating Breakdown
- Overall rating
- Grade A (88/100)
- National rank
- #849 of 3,960
- Tier 1 capital (35%)
- 88/100
- Loan quality (30%)
- 95/100
- Liquidity (25%)
- 88/100
- Profitability (10%)
- 68/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places First&Farmers Nb INC among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 21% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.48% | 88/100 |
| Nonperforming Loan Ratio | 0.24% | 95/100 |
| Liquidity Ratio | 27.05% | 88/100 |
| Return on Assets | 1.21% | 68/100 |
| Total Assets | $0.7B | |
How does First&Farmers Nb INC compare?
With a Bank Health Score of 88/100, First&Farmers Nb INC sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Kentucky, where 103 FDIC-insured banks are headquartered, First&Farmers Nb INC ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.48% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.24% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First&Farmers Nb INC's Bank Health Score fell by 2.0 points to 88/100. Tier 1 capital weakened by 0.29 percentage points to 13.48%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
First&Farmers Nb INC's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #849 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First&Farmers Nb INC's best component is loan quality (95/100) and its weakest is profitability (68/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For First&Farmers Nb INC: Tier 1 capital scores 88/100, loan quality 95/100, liquidity 88/100, and profitability 68/100 — combining to 88/100 (grade A).
First&Farmers Nb INC's Bank Health Score of 88/100 is 16.0 points above the Kentucky state average of 72/100. 103 FDIC-insured banks are headquartered in Kentucky.
Yes. First&Farmers Nb INC (FDIC certificate #2738) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First&Farmers Nb INC
First&Farmers Nb INC's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #849 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First&Farmers Nb INC's best component is loan quality (95/100) and its weakest is profitability (68/100).