The First National Bank of Russell Springs: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.04 percentage points higher than in Q1 2026, at 874.28%. Within Kentucky, The First National Bank of Russell Springs is 37th of 119 on return on assets, 1.64% as of Q2 2026, above the middle of the field. The First National Bank of Russell Springs reported 1.64% on return on assets for Q2 2026, 0.38 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.52% |
| Equity capital to assets | 9.04% |
| Tangible equity to tangible assets | 9.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.82% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 874.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 18.07% |
| Net interest margin | 3.72% |
| Efficiency ratio | 43.69% |
| Yield on earning assets | 6.03% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.74% |
| Core deposits to total deposits | 84.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.08% |
| Securities to assets | 17.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.16% | 1.14% | 3.30% | 0.34% | 0.02% |
| Q4 2023 | 11.43% | 1.38% | 3.54% | 0.24% | 0.00% |
| Q1 2024 | 11.43% | 1.10% | 3.22% | 0.23% | 0.01% |
| Q2 2024 | 11.25% | 1.13% | 3.24% | 0.27% | 0.01% |
| Q3 2024 | 11.26% | 1.11% | 3.21% | 0.31% | 0.03% |
| Q4 2024 | 10.69% | 1.23% | 3.30% | 0.20% | 0.06% |
| Q1 2025 | 10.08% | 0.96% | 2.88% | 0.19% | -0.06% |
| Q2 2025 | 10.33% | 1.14% | 3.32% | 0.16% | 0.01% |
| Q3 2025 | 10.31% | 1.26% | 3.40% | 0.14% | -0.00% |
| Q4 2025 | 10.18% | 1.52% | 3.90% | 0.24% | -0.00% |
| Q1 2026 | 10.08% | 1.27% | 3.36% | 0.11% | 0.02% |
| Q2 2026 | 10.52% | 1.64% | 3.72% | 0.11% | -0.00% |
The First National Bank of Russell Springs vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Russell Springs, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Russell Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2767) · FFIEC NIC profile (RSSD 173641)