Our story began in February of 2008 with the incorporation of First & Farmers National Bank, but our roots in our four communities are much deeper.

Our history can be traced back to Citizens Bank of Albany, located in Clinton County, KY, dating back to 1898; to First National Bank of Columbia, located in Adair County, KY, dating back to 1903; to Bank of Cumberland, located in Cumberland County, KY, dating back to 1889; and to First and Farmers Bank located in Pulaski County, KY, dating back to 1818. 

Our team of approximately 135 employees strive to provide exemplary customer service at our 11 convenient locations. We take pride in our long history at a well-respected, sound, and profitable bank– with over $613,000,000 in assets. 

We invite you to visit any one of our locations and experience how pleasant banking can really be. It’s what we mean by, “Putting YOU First!”

Banking

First & Farmers National Bank, Inc.

Terry A. Pugh

Steve Morgan

The Lending and Credit Team at First & Farmers National Bank, Inc. is responsible for evaluating, approving, and managing loans for individuals and businesses. This team, composed of experienced professionals including the Chief Credit Officer, Market President And Senior Lender, and various Loan Officers and Vice Presidents, ensures the financial stability and growth of the bank's lending portfolio. They work closely with customers to understand their financial needs, provide tailored lending solutions, maintain credit quality, and support the bank's commitment to exceptional customer service.

Lending and Credit Team

About

Team members

Other teams at First & Farmers National Bank, Inc.

Leadership Team