Lancaster, KY · Cert 2700 · First Southern Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
33
Profitability
42
Liquidity
31
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lancaster, KY · Cert 2700 · First Southern Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 0.8% share · #21 of 36 inst. · $0.1B of $16.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.17% | 1.80% | 1.86% | 2.03% | 2.46% | 1.57% | 0.82% | -104 bps | |
| Return on Equity | 14.52% | 12.82% | 18.33% | 18.59% | 19.85% | 23.41% | 13.43% | 7.06% | -1,153 bps | |
| Net Interest Margin | 3.74% | 3.78% | 4.07% | 4.01% | 4.13% | 4.11% | 4.39% | 4.59% | +58 bps | |
| Efficiency Ratio | 67.86% | 68.24% | 64.12% | 60.42% | 62.72% | 64.15% | 65.49% | 62.36% | +194 bps | |
| Non-Interest Burden | 2.32% | 2.36% | 2.38% | 2.06% | 2.28% | 2.36% | 2.50% | 2.52% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | 1.57% | 0.44% | 1.93% | 4.64% | 3.67% | 5.08% | 3.55% | +161 bps | |
| Loan Growth (YoY) | -3.16% | -3.28% | -5.14% | -1.47% | 1.87% | 2.82% | 7.11% | 5.14% | +661 bps | |
| Deposit Growth (YoY) | -3.88% | 0.60% | -1.23% | 0.37% | 3.42% | 0.97% | 2.88% | 1.82% | +145 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.51% | 0.38% | 0.49% | 0.43% | 0.94% | 1.63% | 0.61% | +12 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.05% | 0.03% | 0.03% | 0.04% | 0.07% | 0.05% | +3 bps | |
| Allowance / Loans | 1.49% | 1.46% | 1.53% | 1.54% | 1.53% | 1.50% | 1.54% | 1.71% | +18 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.9x | 4.1x | 3.2x | 3.5x | 1.6x | 0.9x | 2.8x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.14% | 9.63% | 9.57% | 10.18% | 10.92% | 10.98% | 10.85% | +128 bps | |
| Total Risk-Based Capital | 16.52% | 16.52% | 17.50% | 18.02% | 18.17% | 18.22% | 19.01% | 19.58% | +157 bps | |
| Equity / Assets | 9.73% | 9.55% | 10.10% | 10.34% | 10.80% | 11.70% | 11.65% | 11.61% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.77% | 70.81% | 69.08% | 68.77% | 69.71% | 72.10% | 71.92% | 71.01% | +225 bps | |
| Liquid Assets / Assets | 3.05% | 4.74% | 8.59% | 11.13% | 11.54% | 7.66% | 10.83% | 11.60% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 242% | 239% | 234% | n/a | n/a | |
Lancaster, KY · Cert 2700 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Southern Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Return on Assets
0.82%
Rank 211 of 258
Net Interest Margin
4.59%
Rank 17 of 258
Efficiency Ratio
62.36%
Rank 154 of 257
Equity / Assets
11.61%
Rank 73 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.93% | 1.23% | 1.54% | Beats 18% | 211 / 258 | ||
| Return on Equity | 7.03% | 9.26% | 11.84% | 14.74% | Beats 14% | 222 / 258 | ||
| Net Interest Margin | 4.59% | 3.16% | 3.49% | 3.88% | Beats 93% | 17 / 258 | ||
| Efficiency Ratio | 62.36% | 51.71% | 60.30% | 69.65% | Beats 40% | 154 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.19% | 0.46% | 0.90% | Beats 33% | 174 / 258 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 32% | 177 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.33% | 11.41% | 12.98% | 15.12% | Beats 89% | 28 / 258 | ||
| Total Risk-Based Capital Ratio | 19.58% | 12.10% | 13.91% | 16.08% | Beats 90% | 25 / 258 | ||
| Equity / Assets | 11.61% | 9.09% | 10.24% | 11.72% | Beats 72% | 73 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.01% | 73.24% | 86.34% | 95.95% | 20th pctl | 207 / 258 | ||
| Loans / Assets | 61.89% | 63.01% | 72.27% | 78.40% | 22nd pctl | 201 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||