The First National Bank of Russell Springs
The First National Bank of Russell Springs is an FDIC-insured commercial bank headquartered in Russell Springs, KY, supervised by the OCC, with $475.2M in total assets at Q2 2026, up 14.0% from Q2 2025, the 42nd largest of 120 banks headquartered in Kentucky. It was established in 1906 and holds FDIC certificate 2767. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB of Russell Springs
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2767
- Headquarters
- Russell Springs, KY
- Established
- 1906
- Total assets, Q2 2026
- $475.2M
- Assets vs Q2 2025
- +14.0%
- Tier 1 leverage ratio, Q2 2026
- 10.52%
- Domestic offices
- 3 · The First National Bank of Russell Springs branches FDIC institution directory, current count
- Routing number
- 083905892
- Safety and soundness
- Is The First National Bank of Russell Springs safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Russell Springs Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- FIRST BANCORP, INC.
- Asset rank in state
- 42nd of 120 in Kentucky
The First National Bank of Russell Springs runs leaner than most banks of its size. The Russell Springs, Kentucky bank had $475 million in assets at June 30, 2026, up 14.0% from a year earlier. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.9 million, 57% above the same quarter a year earlier. Over the same year, loans grew 21.4% and deposits grew 8.5%. Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, The First National Bank of Russell Springs reported a return on assets of 1.64%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Russell Springs is the 42nd largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $475.2M, loans rose 1.6% and deposits fell 3.8%. Non-owner-occupied commercial real estate loans made up 25.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.5%. The FDIC Summary of Deposits lists 3 offices for it, in Russell Springs, KY. On its Q2 2026 call report, The First National Bank of Russell Springs meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 36 W Steve Wariner Dr, Russell Springs, KY 42642
- County
- Russell
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $409.0M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $464.7M
- Average total loans
- $345.6M
- Average interest-bearing deposits
- $338.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2767
- Fed RSSD
- 173641
- Website
- www.fnbrs.com →
- Parent Holding Company
- FIRST BANCORP, INC. (RSSD 1099140)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Russell Springs reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Russell Springs's total assets moved between a low of $333.8M (Q3 2023) and a high of $475.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$475.2M total assets against $417.0M; $432.2M total liabilities against $379.8M.
$343.3M net loans and leases against $282.6M; $409.0M total deposits against $376.9M.
$83.5M securities against $73.5M; $38.3M cash and balances due against $52.0M.
$6.8M total interest income against $5.9M; $2.6M total interest expense against $2.5M.
$4.2M net interest income against $3.4M.
$271K total noninterest income against $291K; $2.0M total noninterest expense against $1.9M.
$0 provision for credit losses against $170K.
$1.9M net income against $1.2M.
1.64% return on assets against 1.14%; 3.72% net interest margin against 3.32%.
10.52% tier 1 leverage ratio against 10.33%.
Inside the full The First National Bank of Russell Springs terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The First National Bank of Russell Springs rankings
Its closest position to the top of a national ranking is 360 of 3,606, for efficiency ratio; its furthest is 2,784 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.64% (Q2 2026) and its net interest margin ran from 2.88% (Q1 2025) to 3.90% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.52% | 1.64% | 0.11% | 0.82% | 3.72% |
| Q1 2026 | 10.08% | 1.27% | 0.11% | 0.85% | 3.36% |
| Q4 2025 | 10.18% | 1.52% | 0.24% | 1.73% | 3.90% |
| Q3 2025 | 10.31% | 1.26% | 0.01% | 0.11% | 3.40% |
| Q2 2025 | 10.33% | 1.14% | 0.02% | 0.11% | 3.32% |
| Q1 2025 | 10.08% | 0.96% | 0.04% | 0.29% | 2.88% |
| Q4 2024 | 10.69% | 1.23% | 0.04% | 0.30% | 3.30% |
| Q3 2024 | 11.26% | 1.11% | 0.09% | 0.61% | 3.21% |
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Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Russell Springs | Russell Springs , KY | 42642 | $314.9M |
| Highway 127 South Branch | Russell Springs , KY | 42642 | $53.2M |
| Downtown Branch | Russell Springs , KY | 42642 | $40.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 7, 2013, OCC: Formal Agreement: The First National Bank of Russell Springs
- Period: Most recent institution action August 7, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KY, rank 56 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $364K approved, $364K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Russell Springs
What are The First National Bank of Russell Springs's total assets?
As of the Q2 2026 filing, The First National Bank of Russell Springs reported total assets of $475.2 million in its FFIEC call report.
Where is The First National Bank of Russell Springs headquartered?
It is headquartered in Russell Springs, KY, United States.
When was The First National Bank of Russell Springs founded?
It was established in 1906, per the FDIC institution directory.
Is The First National Bank of Russell Springs FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Russell Springs?
The First National Bank of Russell Springs's primary federal regulator is the OCC.
How many branches does The First National Bank of Russell Springs operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Russell Springs's Texas Ratio?
Its Texas Ratio is 0.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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