First National Bank of Russell Springs, The
Russell Springs, KY · Cert 2767 · Peer group: banks under $1B in assets in KY (n=69) · First Bcorp Inc.
National charter · OCC · 1 affiliate bank · 3 branches (7 in holding)
Q2 2026
$475.2MAssets
$346.6MLoans
$409.0MDeposits
$43.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in KY (rank 4 of 69).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in KY (rank 57 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.44%
Rank 19 of 69
Net Interest Margin
3.46%
Rank 51 of 69
Efficiency Ratio
46.68%
Rank 4 of 69
Equity / Assets
9.04%
Rank 44 of 69
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 96% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.83% | 1.18% | 1.44% | Beats 72% | 19 / 69 | |
| Return on Equity | 15.87% | 7.64% | 11.70% | 15.70% | Beats 75% | 17 / 69 | |
| Net Interest Margin | 3.46% | 3.45% | 3.75% | 3.96% | Beats 26% | 51 / 69 | |
| Efficiency Ratio | 46.68% | 55.32% | 62.99% | 70.80% | Beats 96% | 4 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.18% | 0.52% | 1.14% | Beats 83% | 13 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 72% | 20 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 10.52% | 11.33% | 13.58% | 16.27% | Beats 17% | 57 / 69 | |
| Total Risk-Based Capital Ratio | 10.52% | 11.55% | 14.43% | 17.27% | Beats 17% | 57 / 69 | |
| Equity / Assets | 9.04% | 8.31% | 9.91% | 12.53% | Beats 36% | 44 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 84.74% | 71.40% | 81.07% | 88.03% | 61st pctl | 27 / 69 | |
| Loans / Assets | 72.94% | 61.10% | 68.66% | 76.68% | 61st pctl | 27 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |