BankingStats

First Southern National Bank

Lancaster, Kentucky, Garrard County

$1.3B in total assets, the 875th largest of 4,309 US banks and 14th of 120 headquartered in Kentucky.

FDIC certificate
2700
Established
1865
Owned by
First Southern Bcorp Inc
Primary regulator
OCC
Website
WWW.FSNB.NET

At a glance

Compared with 15 banks headquartered in Kentucky with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure This bank Percentile Peer range, middle 90% Peer median
Total assets $1.3B 20% $2.0B
Loans $794M 7% $1.2B
Deposits $1.1B 20% $1.7B
Return on assets 1.92% 87% 1.27%
Net interest margin 4.95% 93% 3.81%
Efficiency ratio 62.4% 60% 54.6%
Equity to assets 11.61% 67% 10.00%
Loans to deposits 71% 20% 84%

Growth

Total assets grew 2.8% a year over the last 5 years and 4.2% a year over 10 years, without acquisitions.

Acquisitions

ClosedAcquired bankAssets at acquisition
Jul 2015First National Bank of Muhlenberg County, Kentucky Central City, KY, an affiliate under the same holding company$146M
Jul 2005Citizens State Bank of Ballard County Wickliffe, KY, an affiliate under the same holding company$54M
Jul 2005First Bank and Trust Co. of Princeton, Kentucky Princeton, KY, an affiliate under the same holding company$84M
Jul 2005The Citizens National Bank of Russellville Russellville, KY, an affiliate under the same holding company$163M
Dec 1998First Southern National Bank Somerset, KY, an affiliate under the same holding company$144M
Dec 1998First Southern National Bank of Madison County Richmond, KY, an affiliate under the same holding company$24M
Dec 1998First Southern National Bank of Wayne County Monticello, KY, an affiliate under the same holding company$50M
Dec 1998First Southern National Bank of the Bluegrass Lexington, KY, an affiliate under the same holding company$57M

Where they operate

14 branches in 12 counties.

Largest markets by deposits

CountyDepositsMarket shareRank
Lincoln County, KY$249M59.1%1 of 4
Logan County, KY$214M27.2%1 of 8
Muhlenberg County, KY$99M16.1%4 of 6
Garrard County, KY$88M44.7%1 of 4
Wayne County, KY$87M17.1%2 of 4
Caldwell County, KY$77M20.7%2 of 4

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Branch history since 2016

Net loss of 4 branches since 2016 (18 to 14, −22.2%). 1 opened, 0 acquired, 5 closed or sold.

PeriodWhat happenedOpened or acquiredClosed or soldNet changeBranches at end
Start of 2016Starting point18
2016Closed Hustonville and Wilmore02−216
2017Closed Bremen01−115
2022Closed Princeton01−114
2023Opened HopkinsvilleClosed Monticello11014

Balance sheet and earnings

Loans by type

TypeShareThis bankPeers
1-4 family residential 43%32%
Commercial real estate 30%30%
Business (C&I) 10%9%
Multifamily 5%7%
Construction and land 5%9%
Farmland 4%5%
Consumer 3%5%
Agricultural 1%1%
Other 0%2%

Deposits by type

TypeShareThis bankPeers
Other interest-bearing 64%55%
Noninterest-bearing 21%22%
Time deposits 15%23%

Brokered deposits are 0.0% of deposits (peers 2.7%).

Return on assets

Trailing four quarters, with the peer median.

Credit and capital

This bankPeer median
Noncurrent loans0.61%0.25%
Net charge-offs, annualized0.05%0.01%
Reserves to loans1.71%1.18%
Leverage ratio10.85%10.63%

Noncurrent loans exclude government-guaranteed portions.

Similar size in Kentucky

Largest competitors in Lincoln County, KY

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-southern-national-bank-lancaster-ky