The First National Bank of Russell Springs
Russell Springs, KY
IDRSSD: 173641
Total Assets
$465.07M
Latest filing
Total Deposits
$421.54M
Latest filing
Net Interest Margin
3.94%
Profitability
Key People
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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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 2767 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $465.07M |
| Total Deposits | $421.54M |
| Total Liabilities | $424.34M |
| Total Equity Capital | $40.73M |
| Net Income | $1.72M |
| Net Loans and Leases | $313.27M |
| Assets Per Employee ($Millions) | $12.92M |
| Bank Premises and Fixed Assets | $2.02M |
| Cash and Balances due from Depository Institutions | $57.11M |
| Deposits Held in Domestic Offices | $421.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 17.22% |
| Net Interest Margin | 3.94% |
| Efficiency Ratio | 45.25% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.758% |
| Earning Assets to total Assets | 96.56% |
Income and Expense
| Total Interest Income | $6.94M |
| Total Noninterest Income | $259.00k |
| Total Interest Expense | $2.65M |
| Total Noninterest Expense | $2.06M |
| Net Interest Income | $4.29M |
| Pre-tax Net Operating Income | $2.26M |
| Provision for Credit Losses | $230.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $2.81M |
| Total Liabilities and Capital | $465.07M |
Securities
| Securities | $86.10M |
| Available-for-sale debt securities | $86.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$465.07M as of the latest filing.
How much are The First National Bank of Russell Springs's total deposits?
$421.54M in total deposits.
Where is The First National Bank of Russell Springs located?
Russell Springs, KY.
What is the Net Interest Margin?
3.94%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$313.27M (latest filing).
What is the total interest income (latest filing)?
$6.94M.