First Southern National Bank: 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: 209.16 percentage points higher than in Q1 2026, at 340.10%. On return on assets, First Southern National Bank is 3rd from the bottom among 119 Kentucky banks, 0.08% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, First Southern National Bank reported 0.08% on return on assets in Q2 2026, 1.19 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.33% |
| Tier 1 risk-based capital ratio | 18.33% |
| Total risk-based capital ratio | 19.58% |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 11.61% |
| Tangible equity to tangible assets | 10.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 4.01% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 340.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.08% |
| Return on equity | 0.72% |
| Net interest margin | 5.07% |
| Efficiency ratio | 59.34% |
| Yield on earning assets | 5.87% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.01% |
| Core deposits to total deposits | 95.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.16% |
| Securities to assets | 19.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 13.55% | 14.81% | 8.13% | 0.80% |
| Q4 2023 | 13.63% | 13.63% | 14.88% | 8.35% | 1.05% |
| Q1 2024 | 14.18% | 14.18% | 15.44% | 8.64% | 1.06% |
| Q2 2024 | 14.76% | 14.76% | 16.02% | 8.66% | 1.53% |
| Q3 2024 | 15.27% | 15.27% | 16.52% | 9.06% | 1.26% |
| Q4 2024 | 15.26% | 15.26% | 16.52% | 9.14% | 0.75% |
| Q1 2025 | 16.24% | 16.24% | 17.50% | 9.63% | 1.81% |
| Q2 2025 | 16.76% | 16.76% | 18.02% | 9.57% | 1.88% |
| Q3 2025 | 16.91% | 16.91% | 18.17% | 10.18% | 2.36% |
| Q4 2025 | 16.96% | 16.96% | 18.22% | 10.92% | 3.72% |
| Q1 2026 | 17.75% | 17.75% | 19.01% | 10.98% | 1.57% |
| Q2 2026 | 18.33% | 18.33% | 19.58% | 10.85% | 0.08% |
First Southern National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern National Bank, 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 First Southern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2700) · FFIEC NIC profile (RSSD 702612)