First Southern National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.2% in Q2 2026 to -$4.7M, the biggest move on this page. Within Kentucky, First Southern National Bank is 18th of 69 on CET1 ratio, 18.33% as of Q2 2026, above the middle of the field. First Southern National Bank reported 18.33% on CET1 ratio for Q2 2026, 4.85 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.33% |
| Tier 1 risk-based capital ratio | 18.33% |
| Total risk-based capital ratio | 19.58% |
| Tier 1 leverage ratio | 10.85% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $137.8M |
| Tier 1 capital | $137.8M |
| Total risk-based capital | $147.2M |
| Total equity capital | $148.9M |
| Risk-weighted assets | $751.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.61% |
| Tangible equity to tangible assets | 10.51% |
| Equity capital to average assets | 11.58% |
| Internal capital growth rate | 0.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $779K |
| Common stock surplus | $71.2M |
| Retained earnings | $81.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 13.55% | 14.81% | 8.13% | $729.5M |
| Q4 2023 | 13.63% | 13.63% | 14.88% | 8.35% | $741.9M |
| Q1 2024 | 14.18% | 14.18% | 15.44% | 8.64% | $728.4M |
| Q2 2024 | 14.76% | 14.76% | 16.02% | 8.66% | $718.3M |
| Q3 2024 | 15.27% | 15.27% | 16.52% | 9.06% | $713.1M |
| Q4 2024 | 15.26% | 15.26% | 16.52% | 9.14% | $721.7M |
| Q1 2025 | 16.24% | 16.24% | 17.50% | 9.63% | $705.8M |
| Q2 2025 | 16.76% | 16.76% | 18.02% | 9.57% | $707.1M |
| Q3 2025 | 16.91% | 16.91% | 18.17% | 10.18% | $738.1M |
| Q4 2025 | 16.96% | 16.96% | 18.22% | 10.92% | $799.1M |
| Q1 2026 | 17.75% | 17.75% | 19.01% | 10.98% | $774.6M |
| Q2 2026 | 18.33% | 18.33% | 19.58% | 10.85% | $751.9M |
First Southern National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern National Bank, freeSource: Call Report Schedule RC-R, 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 First Southern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2700) · FFIEC NIC profile (RSSD 702612)