FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE

RUSSELL SPRINGS, KY | Small | Est. Jan. 1, 1906, midnight | FDIC #2767 | RSSD #173641 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE is asn small FDIC-insured commercial bank headquartered in RUSSELL SPRINGS, KY, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $465M and total deposits of $422M. Profitability stands at 1.52% ROA and 17.22% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 8.76%. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.73%. FDIC Certificate #2767.

Assets

$465M

Deposits

$422M

Loans

$317M

Equity

$41M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 17.22%
Net Interest Margin (NIM) 4.13%
Yield on Assets 6.68%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.73%
NPA Ratio 0.16%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 8.76%
Tier 1 Capital 8.76%
Total Capital Ratio 9.20%
Leverage Ratio 10.18%
Loan-to-Deposit 75.11%

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