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 Leadership Team at First & Farmers National Bank, Inc. is responsible for setting the strategic direction of the bank, overseeing risk management, and ensuring the delivery of exceptional customer service across all branches. This team, consisting of senior executives and key officers, spearheads initiatives to drive profitable growth, maintain financial stability, and uphold the bank's commitment to its community-centric values.

Leadership Team

About

Team members

Other teams at First & Farmers National Bank, Inc.

Lending and Credit Team