First Southern National Bank
Lancaster, KY
IDRSSD: 702612
Total Assets
$1.26B
Latest filing
Total Deposits
$1.10B
Latest filing
Net Interest Margin
4.49%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Southern National Bank
27 Public Sq
Lancaster, KY 40444
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/13/1865FDIC Certificate 1744
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First Southern National Bank (Main) | 27 Public Sq | Lancaster, KY |
| SOMERSET BRANCH | 15 N Highway 27 | Somerset, KY |
| RICHMOND BRANCH | 894 Richmond Plz | Richmond, KY |
| CENTRAL CITY BRANCH | 130 W Broad St | Central City, KY |
| PRINCETON MAIN BRANCH | 101 W Washington St | Princeton, KY |
| STANFORD BRANCH | 103 Vincent Dr | Stanford, KY |
| LINCOLN/PULASKI COURIER SER. BRANCH | 15 N Highway 27 | Somerset, KY |
| STANFORD BRANCH | 102 W Main St | Stanford, KY |
Showing 7 of 16
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 | 04/13/1865 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40444 |
| State and County Number | 21079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | 223 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.FSNB.NET |
| Data Updated | 01/30/2026 |
| CERT | 2700 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.26B |
| Total Deposits | $1.10B |
| Total Liabilities | $1.11B |
| Total Equity Capital | $147.12M |
| Net Income | $11.71M |
| Net Loans and Leases | $778.42M |
| Assets Per Employee ($Millions) | $5.61M |
| Bank Premises and Fixed Assets | $23.12M |
| Cash and Balances due from Depository Institutions | $134.99M |
| Deposits Held in Domestic Offices | $1.10B |
Key Performance Ratios
| Return on Assets (ROA) | 3.73% |
| Return on Equity (ROE) | 33.14% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 68.49% |
| Tier 1 Risk-Based Capital Ratio | 16.962% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.699% |
| Earning Assets to total Assets | 92.79% |
Income and Expense
| Total Interest Income | $15.87M |
| Total Noninterest Income | $1.74M |
| Total Interest Expense | $2.77M |
| Total Noninterest Expense | $10.17M |
| Net Interest Income | $13.10M |
| Pre-tax Net Operating Income | $4.53M |
| Provision for Credit Losses | $150.00k |
| 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 | $117.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.19M |
| All Other Liabilities | $13.18M |
| Total Liabilities and Capital | $1.26B |
Securities
| Securities | $292.09M |
| Available-for-sale debt securities | $257.87M |
| 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 First Southern National Bank?
$1.26B as of the latest filing.
How much are First Southern National Bank's total deposits?
$1.10B in total deposits.
Where is First Southern National Bank located?
Lancaster, KY.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
17.
When was it established?
04/13/1865.
What is the Return on Assets (ROA)?
3.73%.
How much are total loans and leases?
$778.42M (latest filing).
What is the total interest income (latest filing)?
$15.87M.