The First National Bank of Russell Springs
Russell Springs, KY
IDRSSD: 173641
Total Assets
$438.41M
Latest filing
Total Deposits
$395.92M
Latest filing
Net Interest Margin
3.49%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Russell Springs
36 W Steve Wariner Dr
Russell Springs, KY 42642
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1906FDIC Certificate 1803
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Russell Springs (Main) | 36 W Steve Wariner Dr | Russell Springs, KY |
| DOWNTOWN BRANCH | Main And Wilson | Russell Springs, KY |
| HIGHWAY 127 SOUTH BRANCH | Lakeway Drive And Highway 127 | Russell Springs, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42642 |
| State and County Number | 21207 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbrs.com |
| Data Updated | 11/14/2025 |
| CERT | 2767 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $438.41M |
| Total Deposits | $395.92M |
| Total Liabilities | $399.15M |
| Total Equity Capital | $39.26M |
| Net Income | $1.38M |
| Net Loans and Leases | $310.20M |
| Assets Per Employee ($Millions) | $12.18M |
| Bank Premises and Fixed Assets | $2.07M |
| Cash and Balances due from Depository Institutions | $42.99M |
| Deposits Held in Domestic Offices | $395.92M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 14.4% |
| Net Interest Margin | 3.49% |
| Efficiency Ratio | 49.31% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.955% |
| Earning Assets to total Assets | 96.02% |
Income and Expense
| Total Interest Income | $6.19M |
| Total Noninterest Income | $264.00k |
| Total Interest Expense | $2.63M |
| Total Noninterest Expense | $1.89M |
| Net Interest Income | $3.57M |
| Pre-tax Net Operating Income | $1.82M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.23M |
| Total Liabilities and Capital | $438.41M |
Securities
| Securities | $76.73M |
| Available-for-sale debt securities | $76.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Russell Springs?
$438.41M as of the latest filing.
How much are The First National Bank of Russell Springs's total deposits?
$395.92M in total deposits.
Where is The First National Bank of Russell Springs located?
Russell Springs, KY.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$310.20M (latest filing).
What is the total interest income (latest filing)?
$6.19M.