First Southern National Bank
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Data as of · sourced from FFIEC call reports. How we update
First Southern National Bank is an FDIC-insured commercial bank headquartered in Lancaster, KY, established in 1865 (FDIC certificate 2700), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.28B, up 3.5% from Q2 2025, the 14th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 18.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2700
- Headquarters
- Lancaster, KY
- Established
- 1865
- Total assets, Q2 2026
- $1.28B
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 18.33%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 042102403
- Latest call report
- Q2 2026, FFIEC 051 · First Southern National Bank call report
- Holding company
- FIRST SOUTHERN NATIONAL BANCSHARES INC
- Asset rank in state
- 14th of 120 in Kentucky
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%. The figures come from its call report filed with the FFIEC.
First Southern National Bank ranks as the 14th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $1.28B, loans fell 0.7% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.8%. Its 14 offices in the FDIC Summary of Deposits are in 13 cities in KY; its Stanford 2 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, First Southern National Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 17 FDIC institution directory, current count
- 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
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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Southern National Bank's total assets ran between $1.19B (Q4 2023) and $1.28B (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
$1.28B total assets against $1.24B; $1.13B total liabilities against $1.11B.
$780.1M net loans and leases against $743.3M; $1.12B total deposits against $1.10B.
$249.7M securities against $272.8M; $200.0M cash and balances due against $173.1M.
$17.8M total interest income against $15.6M; $2.4M total interest expense against $2.9M.
$15.4M net interest income against $12.7M.
$2.1M total noninterest income against $3.6M; $10.4M total noninterest expense against $9.4M.
$1.6M provision for credit losses against $150K.
$267K net income against $5.9M.
0.08% return on assets against 1.88%; 5.07% net interest margin against 4.29%.
18.33% CET1 capital ratio against 16.76%; 10.85% tier 1 leverage ratio against 9.57%.
Inside the full First Southern National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Southern National Bank rankings
Its closest position to the top of a national ranking is 848 of 4,196, for total assets; its furthest is 531 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.08% (Q2 2026) to 3.72% (Q4 2025) and its net interest margin ran from 3.93% (Q3 2024) to 5.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.33% | 0.08% | 0.61% | 3.50% | 5.07% |
| Q1 2026 | 17.75% | 1.57% | 1.63% | 9.06% | 4.58% |
| Q4 2025 | 16.96% | 3.72% | 0.94% | 5.18% | 4.41% |
| Q3 2025 | 16.91% | 2.36% | 0.43% | 2.54% | 4.46% |
| Q2 2025 | 16.76% | 1.88% | 0.49% | 2.97% | 4.29% |
| Q1 2025 | 16.24% | 1.81% | 0.38% | 2.38% | 4.26% |
| Q4 2024 | 15.26% | 0.75% | 0.51% | 3.51% | 4.12% |
| Q3 2024 | 15.27% | 1.26% | 0.74% | 4.99% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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.
- 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).
- 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 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.
Where is First Southern National Bank headquartered?
It is headquartered in Lancaster, KY, United States.
When was First Southern National Bank founded?
It was established in 1865, per the FDIC institution directory.
Is First Southern National Bank FDIC-insured?
Yes. It 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.
What is First Southern National Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.50% 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.
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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