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First Southern National Bank
Lancaster, KY · FDIC Certificate #2700 · Chartered 04/1
Total assets
$1.28B
Total deposits
$1.12B
Total equity
$148.86M
Net loans
$780.11M
Branches (offices)
14
Net income (YTD)
$5.24M
Rank: #856 of 4,213 U.S. banks by assets · #14 of 120 in Kentucky. Assets changed 3.5% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.82% |
| Return on equity | 7.06% |
| Net interest margin (YTD) | 4.95% |
| Equity to assets | 11.61% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 30.5% |
| Noncurrent loans (share of loans) | 0.61% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 69.8% |
| Real estate loans (share of loans) | 87.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $682.08M | 87.4% | |
| Commercial & industrial | $77.77M | 10.0% | |
| Consumer / individual | $26.23M | 3.4% | |
| Construction & development | $36.61M | 4.7% | |
| Agricultural | $8.57M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.20B | $1.09B | $2.91M | $96.51M |
| Jun 2023 | $1.20B | $1.10B | $5.29M | $98.11M |
| Jun 2024 | $1.21B | $1.09B | $7.95M | $108.27M |
| Jun 2025 | $1.24B | $1.10B | $11.36M | $128.06M |
| Jun 2026 | $1.28B | $1.12B | $5.24M | $148.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.12B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
Synergy Bank ($1.28B) · Consumers National Bank ($1.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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