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First National Bank of Russell Springs, The

Russell Springs, KY · Cert 2767 · First Bcorp Inc.

National charter · OCC · 1 affiliate bank · 3 branches (7 in holding)

Q2 2026

$475.2MAssets
$346.6MLoans
$409.0MDeposits
$43.0MEquity
Loan mix
91%RE $304.0M7%C&I $23.6M2%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $332.9M19%Noninterest $76.1MQ2 2025Q2 2026

NIM

5.18%Q2 ’245.59%Q2 ’255.85%Q2 ’26+3%+13%

Non-interest income vs. expense

1.94%Q2 ’241.79%Q2 ’251.69%Q2 ’26-9%-4%

Executive Summary

  • Earnings: ROA of 1.61%, up 47 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.11% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.52%, up 19 bps from a year ago.
  • Funding: loans stand at 84.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.61%+47 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+43 bps YoY

Efficiency Ratio (quarter, annualized)

43.96%-779 bps YoY

Tier 1 Leverage Ratio

10.52%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.29%1.52%1.29%1.61%+47 bps
Return on Equity13.18%14.40%17.22%14.68%18.07%+489 bps
Net Interest Margin3.18%3.26%3.78%3.25%3.61%+43 bps
Efficiency Ratio51.75%49.31%45.25%49.63%43.96%-779 bps
Non-Interest Burden1.51%1.49%1.59%1.50%1.46%-6 bps
Growth
Asset Growth (YoY)16.95%20.09%14.65%8.44%13.95%-300 bps
Loan Growth (YoY)11.89%17.08%20.08%26.84%21.36%+947 bps
Deposit Growth (YoY)17.17%21.21%14.44%7.87%8.53%-864 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.24%0.11%0.11%+9 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.02%0.00%-2 bps
Allowance / Loans1.07%1.01%1.05%0.97%0.96%-11 bps
Allowance Coverage of NPLs66.2x70.6x4.4x8.7x8.7x-57.5x
Capital
Tier 1 Leverage Ratio10.33%10.31%10.18%10.08%10.52%+19 bps
Total Risk-Based Capital10.33%10.31%10.18%10.08%10.52%+19 bps
Equity / Assets8.91%8.96%8.76%8.80%9.04%+13 bps
Liquidity & Funding
Loans / Deposits75.78%79.15%75.11%80.22%84.74%+896 bps
Liquid Assets / Assets9.85%7.77%10.68%6.91%5.51%-434 bps
CRE / Total Capitaln/a416%411%436%n/an/a