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 First Southern National Bank
First Southern National Bank
| RSSD ID 702612 | CERTIFICATE 2700 | ABA NUMBER 42102403 |
| 27 Public Sq |
Quarter Ended : |
2025-12-31 |
| Lancaster, Kentucky, 40444 |
Updated : |
2026-01-29 |
| WWW.FSNB.NET |
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| Institution Profile |
| Year Opened : |
1865 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
17 |
Number of Employees : |
224 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,257,558 |
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Total Interest Income | 62,282 |
| Total Liabilities | 1,110,438 |
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Total NonInterest Income | 8,711 |
| Total Bank Equity Capital | 147,120 |
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Total Interest Expense | 11,228 |
| Total Deposits | 1,096,068 |
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Total NonInterest Expense | 38,342 |
| Net Loans & Leases | 778,425 |
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Net Income | 30,394 |
| Loan Loss Allowance | 11,893 |
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Net Charge Offs | 289 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 145,568 |
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Total loans | 785,670 |
| Total assets for the leverage ratio | 1,241,834 |
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Loans secured by real estate: | 681,573 |
| Tier 1 Leverage Ratio | 10.92 |
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Commercial and industrial loans | 70,521 |
| Tier 1 Capital Ratio | 16.96 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 18.22 |
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Loans to individuals - Other | 26,646 |
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:· First Southern National Bank
