First Southern National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.82 percentage points lower than in Q1 2026, at 142.76%. Within Kentucky, First Southern National Bank is 96th of 120 on loan-to-deposit ratio, 71.01% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Southern National Bank sits 17.19 points lower, at 71.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $793.7M |
| Net loans and leases | $780.1M |
| Loans held for sale | $0 |
| Loans to total assets | 61.89% |
| Loan-to-deposit ratio | 71.01% |
| Net loans to equity capital | 5.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.87% |
| Multifamily (5+ residential) | 4.78% |
| Commercial and industrial | 9.77% |
| Consumer | 3.29% |
| Credit cards | 0.00% |
| Farm | 3.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.76% |
| Construction concentration (Tier 1 capital + allowance) | 24.18% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.55% |
| Interest income on loans | $14.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $782.1M | $1.11B | 32.46% | 10.53% | 3.43% |
| Q4 2023 | $794.7M | $1.08B | 31.68% | 10.73% | 3.41% |
| Q1 2024 | $786.7M | $1.09B | 31.28% | 10.39% | 3.47% |
| Q2 2024 | $766.2M | $1.09B | 32.39% | 9.62% | 3.63% |
| Q3 2024 | $757.4M | $1.07B | 31.34% | 9.56% | 3.66% |
| Q4 2024 | $768.6M | $1.09B | 31.64% | 9.46% | 3.47% |
| Q1 2025 | $746.2M | $1.08B | 31.71% | 9.28% | 3.56% |
| Q2 2025 | $754.9M | $1.10B | 30.43% | 9.24% | 3.60% |
| Q3 2025 | $771.5M | $1.11B | 31.59% | 7.71% | 3.50% |
| Q4 2025 | $790.3M | $1.10B | 31.35% | 8.94% | 3.38% |
| Q1 2026 | $799.2M | $1.11B | 30.92% | 9.50% | 3.25% |
| Q2 2026 | $793.7M | $1.12B | 29.87% | 9.77% | 3.29% |
First Southern National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern National Bank, freeSource: Call Report Schedule RC-C, 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)