First & Farmers National Bank, Inc. on Your Credit Report
In short: Headquartered in Somerset, KY, First & Farmers National Bank, Inc. has operated since 1903 as a national bank chartered by the Office of the Comptroller of the Currency. The FDIC lists it under certificate 2738 with $714 million in total assets spread across 11 reported offices as of 06/30/2026. Because First & Farmers National Bank, Inc. lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First & Farmers National Bank, Inc. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First & Farmers National Bank, Inc. has been in continuous operation for 123 years, chartered October 15, 1903 and carried on the FDIC's books as certificate 2738. Its 06/30/2026 call report shows 11 FDIC-reported offices and $714 million in total assets, averaging roughly $65 million per office.
How First & Farmers National Bank, Inc. appears on your credit report
Disputing a First & Farmers National Bank, Inc. tradeline is not the same as disputing one from a national issuer. With $714 million in assets across 11 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. A short, specific letter that points to one incorrect field usually gets a cleaner response than a broad demand to remove the account.
Names it may report under
Products that commonly show up
- ◆Home-equity lines of credit secured by the borrower’s residence
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Agricultural operating lines carried on the owner’s personal file
Grounds to dispute a First & Farmers National Bank, Inc. entry
Each of these is a reason a First & Farmers National Bank, Inc. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Charge-off reported by First & Farmers National Bank, Inc. after the account was settled in full
- ◆Loan modified or deferred by First & Farmers National Bank, Inc. but still reporting the original delinquent status
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First & Farmers National Bank, Inc. is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First & Farmers National Bank, Inc. has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First & Farmers National Bank, Inc. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First & Farmers National Bank, Inc. questions, answered
Is First & Farmers National Bank, Inc. FDIC-insured, and what is its certificate number?
Yes. First & Farmers National Bank, Inc. holds FDIC certificate 2738. The FDIC record shows a charter established October 15, 1903, headquarters in Somerset, KY, and 11 FDIC-reported offices with $714 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates First & Farmers National Bank, Inc., and where do I escalate if a dispute fails?
First & Farmers National Bank, Inc. is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First & Farmers National Bank, Inc.?
None that can be attributed with confidence. First & Farmers National Bank, Inc. does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First & Farmers National Bank, Inc. would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a First & Farmers National Bank, Inc. charge-off stay on my credit report?
A charged-off First & Farmers National Bank, Inc. account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date First & Farmers National Bank, Inc. charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with First & Farmers National Bank, Inc. and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. First & Farmers National Bank, Inc. is the source. When you dispute with First & Farmers National Bank, Inc. under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does First & Farmers National Bank, Inc. report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of First & Farmers National Bank, Inc. — 11 offices, $714 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a First & Farmers National Bank, Inc. account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
First & Farmers National Bank, Inc. was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted First & Farmers National Bank, Inc. account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1903, core-system conversions are the usual cause.
Can I dispute First & Farmers National Bank, Inc. reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send First & Farmers National Bank, Inc. a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on First & Farmers National Bank, Inc. reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 123-year-old lender like First & Farmers National Bank, Inc., older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First & Farmers National Bank, Inc.; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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