Branch Network
First Southern National Bank Locations & Branches Lancaster, Kentucky
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First Southern National Bank operates 14 branches from its headquarters in Lancaster, KY, .
First Southern National Bank branch network
All 14 branches are in KENTUCKY, across 13 cities. Stanford, KY has the most of its branches, 2. Its largest office by deposits is the Bethel Branch office in Russellville, KY, with $213.9M (19.1% of its branch deposits). It had the same number of branches on June 30, 2025.
First Southern National Bank at a glance
Its CET1 capital ratio was 18.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.28B
- CET1 ratio, Q2 2026
- 18.33%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1865
Full financial profile · Is First Southern National Bank safe? · First Southern National Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lancaster, KY (1 branch) | 1 of 4 | 44.7% | $88.4M |
| State: KY (14 branches) | 23 of 152 | 0.9% | $1.12B |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
First Southern National Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lincoln, KY (2 branches) | 1 of 4 | 59.1% | $249.2M | $421.9M |
| Logan, KY (1 branch) | 1 of 8 | 27.2% | $213.9M | $785.8M |
| Muhlenberg, KY (2 branches) | 4 of 6 | 16.1% | $99.1M | $614.2M |
| Garrard, KY (1 branch) | 1 of 4 | 44.7% | $88.4M | $198.0M |
| Wayne, KY (1 branch) | 2 of 4 | 17.1% | $87.1M | $510.2M |
| Caldwell, KY (1 branch) | 2 of 4 | 20.7% | $77.0M | $372.4M |
| Pulaski, KY (1 branch) | 8 of 12 | 4.1% | $76.8M | $1.89B |
| Jessamine, KY (1 branch) | 6 of 11 | 7.6% | $72.6M | $953.6M |
| Madison, KY (1 branch) | 12 of 17 | 3.1% | $62.5M | $1.99B |
| Fayette, KY (1 branch) | 22 of 31 | 0.5% | $59.2M | $12.02B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Danville, KY (2 branches) | 2 of 11 | 17.0% | $249.2M | $1.47B |
| Lexington-Fayette, KY (2 branches) | 21 of 36 | 0.8% | $131.8M | $16.02B |
| Central City, KY (2 branches) | 4 of 6 | 16.1% | $99.1M | $614.2M |
| Somerset, KY (1 branch) | 8 of 12 | 4.1% | $76.8M | $1.89B |
| Richmond-Berea, KY (1 branch) | 12 of 18 | 2.9% | $62.5M | $2.17B |
| Bowling Green, KY (1 branch) | 19 of 22 | 0.6% | $29.9M | $4.84B |
| Clarksville, TN-KY (1 branch) | 17 of 19 | <0.1% | $1.9M | $6.21B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 2700) · FFIEC NIC profile (RSSD 702612)