First Southern National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Southern National Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.3 billion at June 30, 2026, up 3.5% from a year earlier; it is based in Lancaster, Kentucky. It keeps 5.07 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 0.87% on its deposits and borrowings, about half the median of 2.01% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they lost $5.2 million on paper in the quarter, out of $399,000 of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Loans are outrunning deposits: over the year loans rose 5.1% and deposits rose 1.8%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.49% a year earlier.
As of June 30, 2026, First Southern National Bank reported a CET1 capital ratio of 18.33%, a return on assets of 0.08%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 3.50%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 27 Public Sq, Lancaster, KY 40444
- County
- Garrard
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 13, 1865
- Former names
- First Southern National (1998-2011); First Southern National Bank of Garrard County (1992-1998)
- Offices
- 17 domestic
- Employees (FTE)
- 230
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $13.6M
- Net charge-offs (YTD)
- $218K
- Average total assets
- $1.29B
- Average total loans
- $790.3M
- Average interest-bearing deposits
- $862.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2700
- Fed RSSD
- 702612
- Website
- WWW.FSNB.NET →
- Parent Holding Company
- FIRST SOUTHERN NATIONAL BANCSHARES INC (RSSD 6030278)
- Ultimate Parent
- FIRST SOUTHERN BANCORP, INC. (RSSD 1247987)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Southern National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Southern National Bank, freeFirst Southern National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.33% | 0.08% | 0.50% | 3.50% | 5.07% |
| Q1 2026 | 17.75% | 1.57% | 1.17% | 9.06% | 4.58% |
| Q4 2025 | 16.96% | 3.72% | 0.84% | 5.18% | 4.41% |
| Q3 2025 | 16.91% | 2.36% | 0.40% | 2.54% | 4.46% |
| Q2 2025 | 16.76% | 1.88% | 0.44% | 2.97% | 4.29% |
| Q1 2025 | 16.24% | 1.81% | 0.44% | 2.38% | 4.26% |
| Q4 2024 | 15.26% | 0.75% | 0.49% | 3.51% | 4.12% |
| Q3 2024 | 15.27% | 1.26% | 0.71% | 4.99% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bethel Branch | Russellville , KY | 42276 | $213.9M |
| Stanford Branch | Stanford , KY | 40484 | $135.2M |
| Stanford Branch | Stanford , KY | 40484 | $114.1M |
| First Southern National Bank (main office) | Lancaster , KY | 40444 | $88.4M |
| Monticello Branch | Monticello , KY | 42633 | $87.1M |
| Princeton Main Branch | Princeton , KY | 42445 | $77.0M |
| Somerset Branch | Somerset , KY | 42503 | $76.8M |
| Nicholasville Branch | Nicholasville , KY | 40356 | $72.6M |
| Richmond Branch | Richmond , KY | 40475 | $62.5M |
| Central City Branch | Central City , KY | 42330 | $61.3M |
| Lexington Branch | Lexington , KY | 40503 | $59.2M |
| Greenville Branch | Greenville , KY | 42345 | $37.7M |
| Bowling Green Branch | Bowling Green , KY | 42104 | $29.9M |
| Hopkinsville Branch | Hopkinsville , KY | 42240 | $1.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 25, 2015 | Structure Change | Acquired First National Bank of Muhlenberg County, Kentucky Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2005 | Structure Change | Acquired First Bank and Trust Co. of Princeton, Kentucky Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 1998 | Structure Change | Acquired First Southern National Bank of Wayne County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1992 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for First Southern National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action February 16, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in KY, rank 23 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $82K approved, $82K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Southern National Bank
What are First Southern National Bank's total assets?
As of the Q2 2026 filing, First Southern National Bank reported total assets of $1.28 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Southern National Bank headquartered?
First Southern National Bank is headquartered in Lancaster, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Southern National Bank founded?
First Southern National Bank was established in 1865, per the FDIC institution directory.
Is First Southern National Bank FDIC-insured?
Yes. First Southern National Bank is an FDIC-insured commercial bank (FDIC Certificate #2700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Southern National Bank?
First Southern National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Southern National Bank's CET1 capital ratio?
First Southern National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Southern National Bank operate?
First Southern National Bank operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Southern National Bank's Texas Ratio?
First Southern National Bank's Texas Ratio is 3.50% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Southern National Bank previously called?
The charter now named First Southern National Bank has also operated as First Southern National (1998-2011), First Southern National Bank of Garrard County (1992-1998), per FDIC structure-change records.
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