First Southern National Bank
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
$1.3BAssets
$793.7MLoans
$1.1BDeposits
$148.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks $1B-$10B in assets operating in a single state (rank 17 of 258).
- Widest gap: return on equity trails 86% of banks $1B-$10B in assets operating in a single state (rank 222 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $32.4M · efficiency ratio beats 40% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |