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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 0.76% | 1.80% | 1.92% | 2.35%1 | 3.73%1 | 1.57% | 0.08% | -184 bps | |
| Return on Equity | 13.64% | 7.86% | 18.33% | 18.80% | 22.24% | 33.14% | 13.43% | 0.72% | -1,808 bps | |
| Net Interest Margin | 3.76% | 3.93% | 4.07% | 4.12% | 4.27% | 4.22% | 4.39% | 4.85% | +74 bps | |
| Efficiency Ratio | 67.99% | 69.34% | 64.12% | 57.32% | 67.39% | 68.49% | 65.49% | 59.35% | +204 bps | |
| Non-Interest Burden | 2.34% | 2.51% | 2.38% | 1.84% | 2.66% | 2.68% | 2.50% | 2.58% | +74 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% | 0.06% | 0.05% | 0.01% | 0.05% | 0.05% | 0.07% | 0.04% | +4 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 | |