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The First National Bank Of Russell Springs
Russell Springs, KY · FDIC Certificate #2767 · Chartered 01/0
Total assets
$475.18M
Total deposits
$409.02M
Total equity
$42.96M
Net loans
$343.28M
Branches (offices)
3
Net income (YTD)
$3.41M
Rank: #1,848 of 4,213 U.S. banks by assets · #42 of 120 in Kentucky. Assets changed 14.0% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 16.37% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 9.04% |
| Tier 1 leverage ratio | 10.52% |
| Uninsured deposits (share of deposits) | 42.1% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 83.9% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $309.31M | 90.1% | |
| Commercial & industrial | $25.27M | 7.4% | |
| Consumer / individual | $5.69M | 1.7% | |
| Construction & development | $46.01M | 13.4% | |
| Agricultural | $4.42M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $295.62M | $264.12M | $1.60M | $28.31M |
| Jun 2023 | $330.79M | $300.09M | $1.96M | $29.60M |
| Jun 2024 | $356.56M | $321.65M | $1.98M | $33.15M |
| Jun 2025 | $417.00M | $376.88M | $2.24M | $37.15M |
| Jun 2026 | $475.18M | $409.02M | $3.41M | $42.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $409.02M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $409.02M.
Similar-sized banks
Blc Community Bank ($475.45M) · Louisiana National Bank ($474.03M)
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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